Share Loan Interest Rate in Nepal (Margin Trading Interest Rate)
By
Basanta
Published
December 5, 2025
Updated
May 17, 2026
Shrawan 2083
AD
Agricultural Development Bank Limited
ADBL
Savings 5.39%
FD 4.15%
RD 4.10%
Call 2.00%
Loan 8.85–11.60%
Base 7.00%
OD 10.35%
Home 9.85%
Auto 10.35%
Hire purchase 10.35%
Personal 10.85%
Business 10.35%
Education 10.85%
Gold 10.85%
Agriculture 9.85%
Microfinance 8.85%
Share 10.35%
Foreign emp. 10.85%
Deprived 10.35%
Subsidised 8.85%
Real estate 10.85%
CI
Citizens Bank International Limited
Citizens Bank
Savings 4.50%
FD 4.75%
RD 4.50%
Call 3.00%
Loan 8.95–11.70%
Base 6.95%
OD 10.45%
Home 9.95%
Auto 10.45%
Hire purchase 10.45%
Personal 10.95%
Business 10.45%
Education 10.95%
Gold 10.95%
Agriculture 9.95%
Microfinance 8.95%
Share 10.45%
Foreign emp. 10.95%
Deprived 10.45%
Subsidised 8.95%
Real estate 10.95%
EV
Everest Bank Limited
Everest Bank
Savings 4.00%
FD 5.00%
No RD rate
Call 3.00%
Loan 8.80–11.55%
Base 6.80%
OD 10.30%
Home 9.80%
Auto 10.30%
Hire purchase 10.30%
Personal 10.80%
Business 10.30%
Education 10.80%
Gold 10.80%
Agriculture 9.80%
Microfinance 8.80%
Share 10.30%
Foreign emp. 10.80%
Deprived 10.30%
Subsidised 8.80%
Real estate 10.80%
GL
Global IME Bank Limited
Global IME
Savings 3.75%
FD 4.00%
RD 4.00%
Call 2.50%
Loan 9.10–11.85%
Base 7.10%
OD 10.60%
Home 10.10%
Auto 10.60%
Hire purchase 10.60%
Personal 11.10%
Business 10.60%
Education 11.10%
Gold 11.10%
Agriculture 10.10%
Microfinance 9.10%
Share 10.60%
Foreign emp. 11.10%
Deprived 10.60%
Subsidised 9.10%
Real estate 11.10%
HB
Himalayan Bank Limited
HBL
Savings 5.00%
FD 5.50%
RD 4.50%
Call 2.75%
Loan 8.65–11.40%
Base 6.65%
OD 10.15%
Home 9.65%
Auto 10.15%
Hire purchase 10.15%
Personal 10.65%
Business 10.15%
Education 10.65%
Gold 10.65%
Agriculture 9.65%
Microfinance 8.65%
Share 10.15%
Foreign emp. 10.65%
Deprived 10.15%
Subsidised 8.65%
Real estate 10.65%
KU
Kumari Bank Limited
Kumari Bank
Savings 4.31%
FD 4.05%
RD 4.00%
Call 2.50%
Loan 9.20–11.95%
Base 7.20%
OD 10.70%
Home 10.20%
Auto 10.70%
Hire purchase 10.70%
Personal 11.20%
Business 10.70%
Education 11.20%
Gold 11.20%
Agriculture 10.20%
Microfinance 9.20%
Share 10.70%
Foreign emp. 11.20%
Deprived 10.70%
Subsidised 9.20%
Real estate 11.20%
LA
Laxmi Sunrise Bank Limited
Laxmi Sunrise
Savings 4.00%
FD 5.50%
RD 4.50%
Call 2.50%
Loan 9.00–11.75%
Base 7.00%
OD 10.50%
Home 10.00%
Auto 10.50%
Hire purchase 10.50%
Personal 11.00%
Business 10.50%
Education 11.00%
Gold 11.00%
Agriculture 10.00%
Microfinance 9.00%
Share 10.50%
Foreign emp. 11.00%
Deprived 10.50%
Subsidised 9.00%
Real estate 11.00%
MB
Machhapuchchhre Bank Limited
MBL
Savings 4.00%
FD 4.50%
No RD rate
Call 2.50%
Loan 9.25–12.00%
Base 7.25%
OD 10.75%
Home 10.25%
Auto 10.75%
Hire purchase 10.75%
Personal 11.25%
Business 10.75%
Education 11.25%
Gold 11.25%
Agriculture 10.25%
Microfinance 9.25%
Share 10.75%
Foreign emp. 11.25%
Deprived 10.75%
Subsidised 9.25%
Real estate 11.25%
NA
Nabil Bank Limited
Nabil Bank
Savings 3.80%
FD 6.55%
No RD rate
Call 2.75%
Loan 8.55–11.30%
Base 6.55%
OD 10.05%
Home 9.55%
Auto 10.05%
Hire purchase 10.05%
Personal 10.55%
Business 10.05%
Education 10.55%
Gold 10.55%
Agriculture 9.55%
Microfinance 8.55%
Share 10.05%
Foreign emp. 10.55%
Deprived 10.05%
Subsidised 8.55%
Real estate 10.55%
NE
Nepal Bank Limited
Nepal Bank
Savings 3.50%
FD 5.50%
No RD rate
Call 2.50%
Loan 8.90–11.65%
Base 6.90%
OD 10.40%
Home 9.90%
Auto 10.40%
Hire purchase 10.40%
Personal 10.90%
Business 10.40%
Education 10.90%
Gold 10.90%
Agriculture 9.90%
Microfinance 8.90%
Share 10.40%
Foreign emp. 10.90%
Deprived 10.40%
Subsidised 8.90%
Real estate 10.90%
NI
Nepal Investment Mega Bank Limited
NIMB
Savings 4.75%
FD 4.75%
RD 4.50%
Call 1.35%
Loan 8.95–11.70%
Base 6.95%
OD 10.45%
Home 9.95%
Auto 10.45%
Hire purchase 10.45%
Personal 10.95%
Business 10.45%
Education 10.95%
Gold 10.95%
Agriculture 9.95%
Microfinance 8.95%
Share 10.45%
Foreign emp. 10.95%
Deprived 10.45%
Subsidised 8.95%
Real estate 10.95%
NE
Nepal SBI Bank Limited
Nepal SBI
Savings 3.25%
FD 4.25%
No RD rate
Call 2.50%
Loan 8.45–11.20%
Base 6.45%
OD 9.95%
Home 9.45%
Auto 9.95%
Hire purchase 9.95%
Personal 10.45%
Business 9.95%
Education 10.45%
Gold 10.45%
Agriculture 9.45%
Microfinance 8.45%
Share 9.95%
Foreign emp. 10.45%
Deprived 9.95%
Subsidised 8.45%
Real estate 10.45%
NI
NIC Asia Bank Limited
NIC Asia
Savings 4.25%
FD 4.75%
No RD rate
Call 2.75%
Loan 9.05–11.80%
Base 7.05%
OD 10.55%
Home 10.05%
Auto 10.55%
Hire purchase 10.55%
Personal 11.05%
Business 10.55%
Education 11.05%
Gold 11.05%
Agriculture 10.05%
Microfinance 9.05%
Share 10.55%
Foreign emp. 11.05%
Deprived 10.55%
Subsidised 9.05%
Real estate 11.05%
NM
NMB Bank Limited
NMB Bank
Savings 3.00%
FD 4.25%
RD 4.25%
Call 2.50%
Loan 9.00–11.75%
Base 7.00%
OD 10.50%
Home 10.00%
Auto 10.50%
Hire purchase 10.50%
Personal 11.00%
Business 10.50%
Education 11.00%
Gold 11.00%
Agriculture 10.00%
Microfinance 9.00%
Share 10.50%
Foreign emp. 11.00%
Deprived 10.50%
Subsidised 9.00%
Real estate 11.00%
PR
Prabhu Bank Limited
Prabhu Bank
Savings 4.00%
FD 5.55%
No RD rate
Call 2.50%
Loan 9.40–12.15%
Base 7.40%
OD 10.90%
Home 10.40%
Auto 10.90%
Hire purchase 10.90%
Personal 11.40%
Business 10.90%
Education 11.40%
Gold 11.40%
Agriculture 10.40%
Microfinance 9.40%
Share 10.90%
Foreign emp. 11.40%
Deprived 10.90%
Subsidised 9.40%
Real estate 11.40%
PR
Prime Commercial Bank Limited
Prime Bank
Savings 5.01%
FD 5.15%
RD 4.50%
Call 2.75%
Loan 9.10–11.85%
Base 7.10%
OD 10.60%
Home 10.10%
Auto 10.60%
Hire purchase 10.60%
Personal 11.10%
Business 10.60%
Education 11.10%
Gold 11.10%
Agriculture 10.10%
Microfinance 9.10%
Share 10.60%
Foreign emp. 11.10%
Deprived 10.60%
Subsidised 9.10%
Real estate 11.10%
RB
Rastriya Banijya Bank
RBB
Savings 4.50%
FD 4.25%
No RD rate
Call 2.50%
Loan 8.50–11.25%
Base 6.50%
OD 10.00%
Home 9.50%
Auto 10.00%
Hire purchase 10.00%
Personal 10.50%
Business 10.00%
Education 10.50%
Gold 10.50%
Agriculture 9.50%
Microfinance 8.50%
Share 10.00%
Foreign emp. 10.50%
Deprived 10.00%
Subsidised 8.50%
Real estate 10.50%
SA
Sanima Bank Limited
Sanima Bank
Savings 3.80%
FD 5.50%
RD 4.50%
Call 2.50%
Loan 8.95–11.70%
Base 6.95%
OD 10.45%
Home 9.95%
Auto 10.45%
Hire purchase 10.45%
Personal 10.95%
Business 10.45%
Education 10.95%
Gold 10.95%
Agriculture 9.95%
Microfinance 8.95%
Share 10.45%
Foreign emp. 10.95%
Deprived 10.45%
Subsidised 8.95%
Real estate 10.95%
SI
Siddhartha Bank Limited
Siddhartha Bank
Savings 4.05%
FD 5.05%
RD 4.50%
Call 2.50%
Loan 9.05–11.80%
Base 7.05%
OD 10.55%
Home 10.05%
Auto 10.55%
Hire purchase 10.55%
Personal 11.05%
Business 10.55%
Education 11.05%
Gold 11.05%
Agriculture 10.05%
Microfinance 9.05%
Share 10.55%
Foreign emp. 11.05%
Deprived 10.55%
Subsidised 9.05%
Real estate 11.05%
ST
Standard Chartered Bank Nepal Limited
Std. Chartered
Savings 5.50%
FD 4.50%
No RD rate
Call 2.50%
Loan 7.85–10.60%
Base 5.85%
OD 9.35%
Home 8.85%
Auto 9.35%
Hire purchase 9.35%
Personal 9.85%
Business 9.35%
Education 9.85%
Gold 9.85%
Agriculture 8.85%
Microfinance 7.85%
Share 9.35%
Foreign emp. 9.85%
Deprived 9.35%
Subsidised 7.85%
Real estate 9.85%
SH
Shine Resunga Development Bank Limited
Shine Resunga
Savings 5.00%
FD 5.11%
RD 3.50%
Call 1.37%
Loan 7.91–9.91%
Base 5.91%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
Deprived 7.91%
No subsidised rate
No real estate rate
SI
Sindhu Bikas Bank Limited
Sindhu Bikas
Savings 2.75%
FD 3.25%
No RD rate
Call 1.85%
No loan rate
Base 6.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
SA
Saptakoshi Development Bank Limited
Saptakoshi
Savings 4.00%
FD 7.00%
RD 6.00%
Call 1.90%
Loan 8.35–10.50%
Base 6.35%
OD 8.35%
Home 8.85%
Auto 10.50%
Hire purchase 8.85%
Personal 9.35%
Business 8.85%
Education 8.85%
Gold 9.35%
Agriculture 8.35%
No microfinance rate
Share 8.85%
Foreign emp. 8.85%
Deprived 8.35%
Subsidised 8.35%
Real estate 9.35%
SH
Shangrila Development Bank Limited
Shangrila
Savings 4.00%
FD 4.81%
No RD rate
Call 1.37%
Loan 9.75–10.99%
Base 5.76%
OD 9.75%
Home 9.75%
Auto 9.75%
Hire purchase 9.75%
Personal 9.75%
Business 9.75%
Education 9.75%
Gold 9.75%
No agriculture rate
No microfinance rate
Share 9.75%
Foreign emp. 9.75%
Deprived 9.75%
Subsidised 9.75%
No real estate rate
SA
Salapa Bikas Bank Limited
Salapa Bikas
Savings 3.90%
FD 3.85%
RD 3.75%
Call 1.90%
No loan rate
Base 6.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
MU
Muktinath Bikas Bank Limited
Muktinath
Savings 4.01%
FD 4.81%
No RD rate
Call 1.35%
Loan 7.83–12.83%
Base 5.83%
OD 9.33%
Home 8.23%
Auto 8.83%
Hire purchase 9.83%
Personal 9.83%
Business 7.83%
Education 9.83%
Gold 9.83%
Agriculture 7.83%
Microfinance 7.83%
Share 8.83%
No foreign emp. rate
No deprived rate
Subsidised 7.83%
Real estate 8.83%
MI
Miteri Development Bank Limited
Miteri
Savings 4.00%
FD 6.00%
No RD rate
Call 1.37%
Loan 8.95–12.00%
Base 6.95%
No OD rate
Home 10.95%
No auto rate
Hire purchase 10.95%
Personal 10.95%
Business 10.95%
Education 10.95%
No gold rate
Agriculture 10.95%
No microfinance rate
Share 10.95%
No foreign emp. rate
Deprived 8.95%
No subsidised rate
Real estate 10.95%
MA
Mahalaxmi Bikas Bank Limited
Mahalaxmi
Savings 3.80%
FD 4.95%
RD 3.00%
Call 1.88%
Loan 6.99–9.58%
Base 5.83%
OD 9.58%
Home 6.99%
Auto 7.49%
Hire purchase 9.58%
Personal 9.58%
Business 6.99%
Education 9.58%
No gold rate
Agriculture 9.58%
No microfinance rate
Share 9.58%
No foreign emp. rate
Deprived 9.58%
No subsidised rate
No real estate rate
LU
Lumbini Bikas Bank Limited
Lumbini
Savings 4.00%
FD 4.85%
No RD rate
Call 1.37%
Loan 8.00–11.50%
Base 6.00%
OD 10.00%
Home 10.00%
Auto 10.00%
Hire purchase 10.00%
Personal 10.00%
Business 8.00%
Education 10.00%
Gold 10.00%
Agriculture 10.00%
No microfinance rate
Share 10.00%
Foreign emp. 10.00%
Deprived 10.00%
No subsidised rate
Real estate 10.00%
KA
Kamana Sewa Bikas Bank Limited
Kamana Sewa
Savings 3.93%
FD 3.64%
No RD rate
Call 1.93%
No loan rate
Base 6.20%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
JY
Jyoti Bikash Bank Limited
Jyoti Bikash
Savings 2.75%
FD 3.59%
No RD rate
Call 1.89%
No loan rate
Base 6.30%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
GA
Garima Bikas Bank Limited
Garima
Savings 4.75%
FD 5.43%
RD 3.00%
Call 1.37%
Loan 7.30–16.00%
Base 5.30%
No OD rate
Home 8.30%
Auto 8.30%
Hire purchase 9.30%
Personal 9.80%
Business 7.80%
Education 8.30%
Gold 9.30%
Agriculture 8.30%
Microfinance 7.30%
Share 8.30%
No foreign emp. rate
Deprived 9.30%
No subsidised rate
Real estate 8.30%
EX
Excel Development Bank Limited
Excel DBL
Savings 3.50%
FD 5.81%
RD 4.00%
Call 1.91%
Loan 9.80%
Base 5.80%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
RE
Reliance Finance Limited
Reliance Finance
Savings 5.25%
FD 6.00%
No RD rate
Call 1.50%
Loan 9.13–13.00%
Base 7.63%
No OD rate
Home 9.63%
Auto 9.63%
No hire purchase rate
Personal 9.63%
Business 9.63%
Education 10.13%
Gold 10.63%
Agriculture 10.13%
No microfinance rate
Share 9.13%
No foreign emp. rate
Deprived 9.63%
No subsidised rate
Real estate 10.38%
PO
Pokhara Finance Limited
Pokhara Finance
Savings 3.15%
FD 4.05%
No RD rate
Call 1.20%
No loan rate
Base 7.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
NE
Nepal Finance Limited
Nepal Finance
Savings 3.60%
FD 5.50%
No RD rate
Call 1.50%
Loan 9.50–12.26%
Base 8.26%
No OD rate
Home 9.50%
Auto 9.50%
No hire purchase rate
Personal 9.99%
Business 11.26%
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
Deprived 10.26%
Subsidised 10.26%
No real estate rate
MU
Multipurpose Finance Company Limited
Multipurpose Finance
Savings 4.25%
FD 5.50%
No RD rate
Call 1.62%
No loan rate
Base 8.00%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
MA
Manjushree Finance Limited
Manjushree Finance
Savings 3.12%
FD 4.02%
No RD rate
Call 1.18%
No loan rate
Base 7.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
JA
Janaki Finance Company Limited
Janaki Finance
Savings 5.75%
FD 7.00%
No RD rate
Call 2.12%
No loan rate
Base 8.00%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
IC
ICFC Finance Limited
ICFC Finance
Savings 3.22%
FD 4.12%
No RD rate
Call 1.28%
No loan rate
Base 7.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
GU
Guheswori Merchant Banking & Finance Limited
Guheswori Finance
Savings 3.14%
FD 4.06%
No RD rate
Call 1.21%
No loan rate
Base 7.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
GO
Goodwill Finance Limited
Goodwill Finance
Savings 3.16%
FD 4.07%
No RD rate
Call 1.23%
No loan rate
Base 7.50%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
GU
Gurkhas Finance Limited
Gurkhas Finance
Savings 3.75%
FD 5.55%
No RD rate
Call 1.17%
Loan 13.70%
Base 6.70%
No OD rate
Home 13.70%
No auto rate
No hire purchase rate
Personal 13.70%
Business 13.70%
No education rate
Gold 13.70%
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
CE
Central Finance Limited
Central Finance
Savings 3.65%
FD 4.85%
No RD rate
Call 1.50%
No loan rate
Base 8.00%
No OD rate
No home rate
No auto rate
No hire purchase rate
No personal rate
No business rate
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
BE
Best Finance Limited
Best Finance
Savings 5.75%
FD 6.50%
No RD rate
Call 1.50%
Loan 9.90–13.75%
Base 8.75%
No OD rate
Home 9.90%
Auto 10.50%
No hire purchase rate
Personal 9.90%
Business 13.75%
No education rate
No gold rate
No agriculture rate
No microfinance rate
No share rate
No foreign emp. rate
No deprived rate
No subsidised rate
No real estate rate
PR
Progressive Finance Limited
Progressive Finance
Savings 3.75%
FD 5.35%
RD 5.35%
Call 0.50%
Loan 9.66–11.00%
Base 7.66%
No OD rate
Home 10.66%
No auto rate
Hire purchase 10.66%
Personal 10.66%
Business 10.66%
Education 10.66%
No gold rate
Agriculture 10.66%
No microfinance rate
Share 10.66%
Foreign emp. 10.66%
Deprived 9.66%
No subsidised rate
Real estate 10.66%
Updated for Ashadh 2083 · Comparing 46 Nepal BFIs · Rates from published bank notices
For reference only — not financial advice. Always verify the latest rate sheet on the bank’s official website before applying. Published by Interest Rate in Nepal.
Share loan interest rate in Nepal (Loan against shares or Margin Trading) is offered at a floating rate determined by the bank’s base rate plus a premium. As the loans are highly secured with the liquid assets (shares/equity), the banks offer a highly competitive premium on them. Here’s the Share Loan interest rate in Nepali banks (Margin Trading Interest Rate).
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 Share 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 Share Loan Interest Rate in Nepali Banks and get the best deal for your financing requirements.
Share Loan Interest Rate in Nepali Banks (Margain Trading Interest Rate) Here’s the latest Interest Rates of all BFIs for this month,
Interest Rate in Nepali Banks Based on the Interest Rate collected from all licensed BIFs ‘A’, ‘B’ & ‘C’, we can see that the ‘C’ Class Finance Companies provide the highest Interest Rate. After Finance Companies, the ‘B’ Class Development Banks also offer a higher Interest Rate.
Note: All the interest rates mentioned here and every BFIs are measured in p.a. (Per Anum/ Anually)
We hope you get the Share 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.