Bank Rates

Dainik Bank Rates gives you the most comprehensive comparison of loan and deposit interest rates across banks and finance companies in Nepal. Whether you are looking for a home loan, auto loan, education loan, business loan, or the best fixed deposit rate, our daily-updated data helps you find the best deal. We cover every major commercial bank, development bank, and finance company operating in Nepal.

Home loan interest rates in Nepal

Home loans are one of the most sought-after banking products in Nepal. Rates range from 8 to 13 percent with tenors up to 30 years. Most banks finance up to 60 to 80 percent of the property value. Factors that affect your rate include your credit score, income stability, loan amount, and whether you are salaried or self-employed. Compare home loan rates across banks before committing to a lender.

Auto loan interest rates in Nepal

Auto loan rates range from 9 to 14 percent. Banks typically finance up to 70 to 80 percent for new vehicles and 50 to 60 percent for used vehicles. Loan tenors range from 3 to 7 years. Some banks offer lower rates for electric vehicles as part of green financing initiatives.

Education loan interest rates in Nepal

Education loans are available for studies within Nepal and abroad. Rates range from 8 to 14 percent. Many banks offer a grace period (moratorium) covering the duration of study plus 6 to 12 months before repayment begins. Loans cover tuition, accommodation, travel, and other academic expenses.

Business loan interest rates in Nepal

Business loan rates range from 10 to 18 percent depending on the loan type (working capital, term loan, overdraft), business size, collateral, and credit history. Small and medium enterprises (SMEs) may qualify for special schemes with concessional rates. The interest rate is typically higher for unsecured business loans.

Fixed deposit and savings account rates in Nepal

Fixed deposit (FD) rates range from 7 to 12 percent for tenors from 3 months to 5 years. Longer tenors generally earn higher rates. Savings account rates range from 3 to 7 percent. Some banks offer tiered savings rates where balances above a threshold earn a higher rate. Term deposit rates are influenced by NRB policy and market liquidity.

How to choose the best bank rate in Nepal

Compare rates across multiple banks before deciding. For loans, look at the effective interest rate (not just the advertised rate) and factor in processing fees, documentation charges, and prepayment penalties. For deposits, check the compounding frequency and whether the rate is fixed for the full tenor. Always read the terms and conditions carefully before signing.

About Dainik Bank Rates

Dainik Bank Rates is part of the Dainik ecosystem, Nepal's fastest-growing platform for daily essentials. Our data is sourced from authorized financial data providers and updated daily. Rates are indicative and may vary by branch and customer profile. Always confirm directly with the bank before applying. Bookmark /dainik/bank-rates to stay informed about the latest interest rates in Nepal.