Loan

Personal Loan Interest Rate in Nepal

Lowest Personal / Professional Loan Rate 9.35% Saptakoshi
Institutions 32 All classes
Personal Term / Overdraft — BR + up to 3.00% ★ Lowest
9.35%
Professional Loan — BR + up to 3.00% ★ Lowest
9.35%
Personal Loan (Term/OD) — BR + up to 3.75% ★ Lowest
9.58%
Personal Loan — BR + 0.25% to 2.00% ★ Lowest
9.63%
Consumer Loan — BR + 0.25% to 2.25%
9.88%
Professional Loan — BR + 2.00% to 3.00%
10.63%
Fixed Interest Rate Loan (Individual)
13.00%
Personal Term Loan — BR + up to 3.99% ★ Lowest
9.75%
Personal Demand Loan — BR + up to 3.99% ★ Lowest
9.75%
Personal Overdraft — BR + up to 3.99% ★ Lowest
9.75%
Fixed-rate Personal Term Loan (up to 7 yr)
10.99%
Personal / Professional Loan — BR + 2.5% to 4.5% ★ Lowest
9.80%
Personal/Mortgage/Demand (Fixed) — Up to 7 yr
15.75%
Personal/Mortgage/Demand (Fixed) — 7 to 10 yr
16.00%
Personal Term Loan — BR + 2.00% to 4.00% ★ Lowest
9.83%
Personal Overdraft Loan — BR + 2.50% to 4.50%
10.33%
General Loan — BR + 3.00% to 5.00%
10.83%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
9.85%
Personal Term Loan — BR + 3.50% to 4.50%
10.35%
Personal Overdraft Loan — BR + 3.75% to 4.75%
10.60%
Other Loan (Fixed) — Up to 5 yr ★ Lowest
9.90%
Other Loan (Fixed) — Up to 10 yr
10.50%
Other Loan (Fixed) — Up to 15 yr
10.90%
Other Retail (Fixed) — 1 to 3 yr ★ Lowest
9.99%
Other Retail (Fixed) — 3 to 5 yr
10.50%
Other Retail (Fixed) — Above 5 yr
10.75%
Personal Loan (OD/TL) — BR + 1% to 4% ★ Lowest
10.00%
Professional Loan — BR + 2% to 4% ★ Lowest
10.00%
Personal Term (Fixed)
11.50%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.45%
Personal Term Loan — BR + 3.50% to 4.50%
10.95%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.20%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.50%
Personal Term Loan — BR + 3.50% to 4.50%
11.00%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.25%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.55%
Personal Term Loan — BR + 3.50% to 4.50%
11.05%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.30%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.65%
Personal Term Loan — BR + 3.50% to 4.50%
11.15%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.40%
Personal Loan — BR + up to 3% ★ Lowest
10.66%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.80%
Personal Term Loan — BR + 3.50% to 4.50%
11.30%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.55%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.85%
Personal Term Loan — BR + 3.50% to 4.50%
11.35%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.60%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.90%
Personal Term Loan — BR + 3.50% to 4.50%
11.40%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.65%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.95%
Personal Term Loan — BR + 3.50% to 4.50%
11.45%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.70%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.95%
Personal Term Loan — BR + 3.50% to 4.50%
11.45%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.70%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
10.95%
Personal Term Loan — BR + 3.50% to 4.50%
11.45%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.70%
Personal Loan — BR + up to 4% ★ Lowest
10.95%
Professional Loan — BR + up to 4% ★ Lowest
10.95%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.00%
Personal Term Loan — BR + 3.50% to 4.50%
11.50%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.75%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.00%
Personal Term Loan — BR + 3.50% to 4.50%
11.50%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.75%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.05%
Personal Term Loan — BR + 3.50% to 4.50%
11.55%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.80%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.05%
Personal Term Loan — BR + 3.50% to 4.50%
11.55%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.80%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.10%
Personal Term Loan — BR + 3.50% to 4.50%
11.60%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.85%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.10%
Personal Term Loan — BR + 3.50% to 4.50%
11.60%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.85%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.20%
Personal Term Loan — BR + 3.50% to 4.50%
11.70%
Personal Overdraft Loan — BR + 3.75% to 4.75%
11.95%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.25%
Personal Term Loan — BR + 3.50% to 4.50%
11.75%
Personal Overdraft Loan — BR + 3.75% to 4.75%
12.00%
Professional Loan — BR + 2.75% to 4.00% ★ Lowest
11.40%
Personal Term Loan — BR + 3.50% to 4.50%
11.90%
Personal Overdraft Loan — BR + 3.75% to 4.75%
12.15%
Personal Loan — BR + up to 7% ★ Lowest
13.70%

Personal Loan Interest rates in Nepali banks are generally higher than other loans. The personal loans are unsecured or less secure as compared to other collateral-based loans. The personal loans are also termed as Personal Overdraft (OD). So, here’s the Personal Loan Interest rate in Nepal.

As we know, all the Banks and Financial Institutions used to follow the methodology set by the Central banks for determining the Loan Interest Rate. Like the deposit interest rate, the Loan interest rates are also revised every month and practice in effect from the beginning of each month. The banks set the interest rate in loan products by adding a premium rate (spread rate) to their base rate. Here, you will get the Personal Loan Interest Rate in Nepal set by each BFI.

We have extract the exact Interest Rate provided by each BFI on their Website, Social Pages and Circulars. So, let’s find the Personal Loan Interest Rate in Nepali Banks and get the best deal for your financing requirements.

Personal Loan Interest Rate in Nepali Banks (Personal OD)

Here’s the latest Interest Rates of all BFIs for this month,

Note: All the interest rates mentioned here and every BFIs are measured in p.a. (Per Anum/ Anually)

We hope you get the Personal Loan Interest Rate in Nepali Banks and financial institution to choose the best one for your financing requirements. With these interest rate data of each BFI, you will get the best idea and choose the right banks to fulfill the fund requirement and make the best decision.