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UPDATED DAILY · FY 2083/84
Lowest Personal Loan Rates in Nepal
Personal loans across Nepali banks, ranked by interest rate — lowest first. Unsecured credit for personal needs. Verified bank rates marked ✓ Verified.नेपाली बैंकहरूको व्यक्तिगत कर्जा, ब्याज दरअनुसार क्रमबद्ध — न्यून पहिले। व्यक्तिगत आवश्यकताका लागि धितोरहित ऋण। प्रमाणित बैंक दर ✓ प्रमाणित चिन्ह लगाइएका।
✓ Sourced from NRB & bank data · Kartik 19, 2083
A personal loan provides quick unsecured credit for any personal need — medical expenses, home improvement, travel, a wedding or consolidating existing debt. Because it requires no collateral, the interest rate is typically higher than a secured loan, which is why comparing rates across banks before borrowing matters more here than almost anywhere else.व्यक्तिगत कर्जाले जुनसुकै व्यक्तिगत आवश्यकताका लागि छिटो धितोरहित ऋण दिन्छ — चिकित्सा खर्च, घर सुधार, यात्रा, विवाह वा विद्यमान ऋण एकीकरण। धितो नचाहिने भएकाले ब्याज दर सामान्यतया धितोसहित कर्जाभन्दा उच्च हुन्छ, त्यसैले ऋण लिनुअघि बैंकहरूबीच दर तुलना यहाँ अन्य जहाँभन्दा बढी महत्त्वपूर्ण हुन्छ।
Personal loan rates in Nepal range broadly between banks. The effective rate you receive also depends on your income, credit history and the bank's internal assessment of your repayment capacity. The table below ranks every bank publishing a personal loan rate, lowest first.नेपालमा व्यक्तिगत कर्जा दर बैंकहरूबीच फराकिलो दायरामा हुन्छन्। तपाईंले पाउने प्रभावकारी दर तपाईंको आम्दानी, क्रेडिट इतिहास र भुक्तानी क्षमताको बैंकको आन्तरिक मूल्यांकनमा पनि निर्भर हुन्छ। तलको तालिकाले व्यक्तिगत कर्जा दर प्रकाशित गर्ने हरेक बैंकलाई न्यून पहिले क्रमबद्ध गर्छ।
Rates are indicative and sourced from public bank/NRB data unless marked ✓ Verified. Confirm the current rate and terms directly with the bank before proceeding.
How to read the range: banks price floating loans as base rate + a premium. The first figure is the lowest premium the bank publishes, which goes to its strongest borrowers; most people pay somewhere between the two figures. Banks are ranked by the starting rate. "Fixed offer" is a fixed-rate scheme.दायरा कसरी पढ्ने: बैंकले फ्लोटिङ कर्जामा आधार दरमा प्रिमियम थपेर ब्याज तोक्छन्। पहिलो अंक बैंकले प्रकाशित गरेको सबैभन्दा कम प्रिमियम हो, जुन बलियो ग्राहकले पाउँछन्; धेरैजसोले दुई अंकको बीचमा तिर्छन्। बैंकहरू सुरुको दरअनुसार क्रमबद्ध छन्।
Want each bank's monthly EMI for your own amount? See it on Sasto Karja, our loan comparison site.आफ्नो रकममा हरेक बैंकको मासिक किस्ता हेर्न चाहनुहुन्छ? हाम्रै कर्जा तुलना साइट सस्तो कर्जा मा हेर्नुहोस्।
Today's spread across banks
4.59%Lowest starting rate · Agricultural Dev. Bank
6.38%Median starting rate, 45 banks
9.59%Highest starting rate · Janaki Finance Co.
On a Rs 5,00,000 personal loan over 3 years, the lowest starting rate costs about Rs 14,894 a month and the highest about Rs 16,038: a difference of Rs 41,182 over the loan. Your own rate depends on the premium the bank gives you, so ask for it in writing.
Personal loan EMI calculator
Monthly EMI–
Total interest–
Total repaid–
Rate pre-filled with today's median starting personal loan rate. Banks also charge a one-time service fee, valuation and insurance, so ask for the full cost before you sign. For a year-by-year schedule and the EMI at every bank, use the full personal loan EMI calculator.
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The bank at the top of the table above currently publishes the lowest personal loan interest rate. Loans are ranked lowest-first because a lower rate means less interest paid over the term.माथिको तालिकाको शीर्षमा रहेको बैंकले हाल सबैभन्दा कम व्यक्तिगत कर्जा ब्याज दर प्रकाशित गर्छ। कम दरको अर्थ अवधिभर कम ब्याज हुने भएकाले कर्जा न्यून पहिले क्रमबद्ध गरिएका छन्।
Personal loans are typically unsecured — no property or asset is required as collateral. The bank assesses your income and repayment capacity instead. Some banks offer a secured personal loan at a lower rate if you provide collateral.व्यक्तिगत कर्जा सामान्यतया धितोरहित हुन्छन् — कुनै सम्पत्ति वा जायजेथा धितोका रूपमा चाहिँदैन। बैंकले सट्टामा तपाईंको आम्दानी र भुक्तानी क्षमता मूल्यांकन गर्छ। धितो दिनुभयो भने केही बैंकले कम दरमा धितोसहित व्यक्तिगत कर्जा दिन्छन्।
Limits vary by bank and income. Most banks cap personal loans at NPR 10–30 lakh for salaried employees, though the ceiling can be higher with strong credentials. Confirm the limit with the specific bank.सीमा बैंक र आम्दानीअनुसार फरक हुन्छ। अधिकांश बैंकले तलबी कर्मचारीका लागि व्यक्तिगत कर्जा रू 10–30 लाखमा सीमित गर्छन्, बलियो प्रमाणपत्रसहित सीमा उच्च हुन सक्छ। सम्बन्धित बैंकसँग सीमा पुष्टि गर्नुहोस्।
Typically: citizenship certificate, recent salary slips or income proof, bank statements for the last 6 months, and employment letter. Self-employed applicants may need business registration and tax records.सामान्यतया: नागरिकता प्रमाणपत्र, हालैको तलब पर्ची वा आम्दानी प्रमाण, पछिल्लो 6 महिनाको बैंक स्टेटमेन्ट, र रोजगारी पत्र। स्वरोजगार आवेदकलाई व्यवसाय दर्ता र कर अभिलेख चाहिन सक्छ।
A Verified badge means the rate was confirmed directly by the bank through Byajdar's partner portal rather than scraped from public sources. Verified rates always override scraped data for that bank and product.प्रमाणित चिन्हको अर्थ हो — बैंकले सार्वजनिक स्रोतबाट होइन, Byajdar को पार्टनर पोर्टलमार्फत सिधै दर पुष्टि गरेको हो। त्यस बैंक र उत्पादनका लागि प्रमाणित दरले स्क्र्याप गरिएको डेटालाई सधैं प्रतिस्थापन गर्छ।
