Home Loan Interest Rates in Nepal — Kartik 2083

Base rates and starting home-loan rates of every commercial bank in Nepal, sorted from the lowest. Updated every week.

Lowest home loan rate

4.55%

Nepal Investment Mega Bank

Average base rate

4.72%

20 banks

This month

↓ 0 banks cut rates

↑ 0 raised

MonthCompare with

#	Bank	Base rate	Home loan rate	Change
1	Nepal Investment Mega Banklowest✓ Checked by our team	4.55%	4.55% – 8.55%	New	🧮 EMI at 4.55%
2	Agricultural Development Bank✓ Checked by our team	4.59%	4.59% – 11.15%	New	🧮 EMI at 4.59%
3	Prime Commercial Bank✓ Checked by our team	4.87%	4.87% – 9.87%	New	🧮 EMI at 4.87%
4	Nepal Bank✓ Checked by our team	4.38%	4.88% – 8.99%	New	🧮 EMI at 4.88%
5	Nabil Bank✓ Checked by our team	4.41%	4.91% – 8.99%	New	🧮 EMI at 4.91%
6	Everest Bank⏳ Not updated this month	4.18%	5.18% – 7.25%	New	🧮 EMI at 5.18%
7	Laxmi Sunrise Bank	4.88%	5.38% – 10.99%	New	🧮 EMI at 5.38%
8	Machhapuchchhre Bank	4.92%	5.42% – 9.50%	New	🧮 EMI at 5.42%
9	NMB Bank	4.95%	5.45% – 9.99%	New	🧮 EMI at 5.45%
10	Rastriya Banijya Bank	3.96%	5.46% – 8.00%	New	🧮 EMI at 5.46%
11	Nepal SBI Bank	5.08%	5.58% – 10.49%	New	🧮 EMI at 5.58%
12	Himalayan Bank⏳ Not updated this month	5.09%	5.59% – 9.09%	New	🧮 EMI at 5.59%
13	Sanima Bank	4.60%	5.60% – 8.10%	New	🧮 EMI at 5.60%
14	Global IME Bank✓ Checked by our team	4.61%	5.61% – 8.99%	New	🧮 EMI at 5.61%
15	Kumari Bank	4.83%	5.83% – 7.83%	New	🧮 EMI at 5.83%
16	Prabhu Bank⏳ Not updated this month	4.94%	5.94% – 8.94%	New	🧮 EMI at 5.94%
17	NIC Asia Bank⏳ Not updated this month	5.69%	5.94% – 7.94%	New	🧮 EMI at 5.94%
18	Standard Chartered Bank⏳ Not updated this month	4.12%	5.99% – 8.75%	New	🧮 EMI at 5.99%
19	Siddhartha Bank	4.88%	5.99%	New	🧮 EMI at 5.99%
20	Citizens Bank International	4.91%	5.99%	New	🧮 EMI at 5.99%

1.Nepal Investment Mega Bank
Base rate: 4.55%
✓ Checked by our team
4.55%
to 8.55%
New
🧮 EMI
2.Agricultural Development Bank
Base rate: 4.59%
✓ Checked by our team
4.59%
to 11.15%
New
🧮 EMI
3.Prime Commercial Bank
Base rate: 4.87%
✓ Checked by our team
4.87%
to 9.87%
New
🧮 EMI
4.Nepal Bank
Base rate: 4.38%
✓ Checked by our team
4.88%
to 8.99%
New
🧮 EMI
5.Nabil Bank
Base rate: 4.41%
✓ Checked by our team
4.91%
to 8.99%
New
🧮 EMI
6.Everest Bank
Base rate: 4.18%
⏳ Not updated this month
5.18%
to 7.25%
New
🧮 EMI
7.Laxmi Sunrise Bank
Base rate: 4.88%
5.38%
to 10.99%
New
🧮 EMI
8.Machhapuchchhre Bank
Base rate: 4.92%
5.42%
to 9.50%
New
🧮 EMI
9.NMB Bank
Base rate: 4.95%
5.45%
to 9.99%
New
🧮 EMI
10.Rastriya Banijya Bank
Base rate: 3.96%
5.46%
to 8.00%
New
🧮 EMI
11.Nepal SBI Bank
Base rate: 5.08%
5.58%
to 10.49%
New
🧮 EMI
12.Himalayan Bank
Base rate: 5.09%
⏳ Not updated this month
5.59%
to 9.09%
New
🧮 EMI
13.Sanima Bank
Base rate: 4.60%
5.60%
to 8.10%
New
🧮 EMI
14.Global IME Bank
Base rate: 4.61%
✓ Checked by our team
5.61%
to 8.99%
New
🧮 EMI
15.Kumari Bank
Base rate: 4.83%
5.83%
to 7.83%
New
🧮 EMI
16.Prabhu Bank
Base rate: 4.94%
⏳ Not updated this month
5.94%
to 8.94%
New
🧮 EMI
17.NIC Asia Bank
Base rate: 5.69%
⏳ Not updated this month
5.94%
to 7.94%
New
🧮 EMI
18.Standard Chartered Bank
Base rate: 4.12%
⏳ Not updated this month
5.99%
to 8.75%
New
🧮 EMI
19.Siddhartha Bank
Base rate: 4.88%
5.99%
New
🧮 EMI
20.Citizens Bank International
Base rate: 4.91%
5.99%
New
🧮 EMI

Data source: bankbyaj.com · Source updated 28 Oct 2026 · Rates are indicative. Confirm the final interest rate, fees and conditions with the bank.

🧮 Calculate your EMI

How are home loan rates set in Nepal?

Every bank publishes a monthly base rate under Nepal Rastra Bank rules — the minimum rate based on its cost of funds and operating costs.
A floating-rate home loan is priced as base rate + a premium the bank adds. When the base rate moves, your instalment moves with it.
Fixed-rate loans lock the rate for some years, so they usually start higher.
"Offer" rates are time-limited or conditional — read the conditions before deciding.

What to compare before taking a home loan

Service / processing fee (often 0.25%–0.75%)
The premium over the base rate and for how long
Prepayment charges
Loan tenure and maximum amount
Insurance and valuation fees

Frequently Asked Questions

Which bank has the lowest home loan interest rate in Nepal right now?

The table above is sorted by the lowest starting rate, so the first row is the cheapest bank this month. Also compare the premium, fees and conditions.

What is the base rate?

The minimum reference lending rate a bank calculates each month under Nepal Rastra Bank directives. Floating loan rates are set as base rate plus a premium.

Do home loan rates change every month?

On floating-rate loans your rate follows the base rate (usually reviewed quarterly). Fixed-rate loans keep the same rate for the agreed period.

How reliable are these rates?

They are compiled from the rates banks publish, but premiums and conditions vary by borrower. Confirm the final rate with the bank.

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