Loan Interest Rates

Loan Interest Rate List (Effective: 2083/01/01 To 2083/03/30)

S.N.	Product Name	Adjustable Interest Rate			Fixed Rate %
S.N.	Product Name	Base %	Premium %	Interest %	Fixed Rate %
Non Collateral Loans
1	General Loan	12.66	1.44	14.10	14.10
2	Seasonal Loan	12.66	1.44	14.10	14.10
3	Alternative Energy / Low Cost Housing / Foreign Employment / Auto or City Safari Loan	12.66	1.44	14.10	14.10
4	Social Loan	12.66	1.44	14.10	14.10
5	Mero Karja	12.66	1.44	14.10	14.10
Collateral Loans
1	Individual Loan	12.66	1.44	14.10	14.10
2	Micro-Enterprise Loan	12.66	1.44	14.10	14.10
3	Housing Construction Loan	12.66	1.44	14.10	14.10
4	Educational Loan	12.66	1.44	14.10	14.10
5	Foreign Employment Loan	12.66	1.44	14.10	14.10
6	Income Generation Loan	12.66	1.44	14.10	14.10

Interest rates for existing disbursed loans will remain unchanged.
Fixed Interest Rate: The rate mentioned in the Offer Letter will remain constant throughout the loan tenure.
Adjustable Interest Rate: The rate may change quarterly based on the Base Rate, but the Premium remains constant.
Minimum interest on savings shall not be less than 50% of the interest rate charged on loans.
A 1% interest rate discount will be provided to Dalits, freed Kamaiya/Badi/Haliya, conflict victims, single women, disabled persons, and senior citizens as per NRB directives.
Interest rates are subject to change per Nepal Rastra Bank directives.