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Loan Eligibility Hub

#1
Best Rate Rastriya Banijya Bank 5.86%
#2
Best Rate Agriculture Dev. Bank 6.19%
#3
Best Rate Everest Bank 6.25%

Eligibility Tool

Eligible Loan Amount

Rs. 0

EMI Capacity (50% DBR) Rs. 0
Selected Interest Rate 0%
Full Bank Comparison Table (Jan 2026)
BankBase RateLending Rate
Rastriya Banijya Bank4.36%5.86%
Agriculture Dev. Bank5.19%6.19%
Everest Bank4.75%6.25%
Standard Chartered Bank4.43%6.43%
Nepal Bank Ltd5.06%6.56%
Nabil Bank4.91%6.66%
Global IME Bank5.07%7.07%
Nepal Investment Mega5.2%7.2%
NMB Bank5.2%7.2%
Sanima Bank5.34%7.34%
Prabhu Bank5.5%7.5%
Himalayan Bank5.61%7.61%
Laxmi Sunrise Bank5.61%7.61%
Nepal SBI Bank5.68%7.68%
Prime Commercial Bank5.82%7.82%
Machhapuchchhre Bank5.37%7.87%
Citizens Bank5.72%7.97%
Siddhartha Bank5.54%8.04%
Kumari Bank5.59%8.09%
NIC Asia Bank6.45%8.95%

Understanding Loan Eligibility in Nepal

When you apply for a loan at any commercial bank in Nepal, your eligibility is strictly determined by the Debt-to-Income Ratio (DBR). Current Nepal Rastra Bank guidelines suggest a maximum of 50% for individual loans.

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