An education loan in Nepal is a bank financing option that helps students and parents manage tuition fees, visa processing, accommodation, and other study-related costs through flexible EMIs. Since education loan interest rates change every month when banks revise their base rate and premium, staying updated and comparing lenders becomes essential. Choosing the right education loan allows you to reduce long-term borrowing costs and plan your academic journey with more certainty.
Similarly, a personal loan in Nepal is an unsecured loan designed to support medical needs, travel, emergencies, or any short-term financial requirement. Because banks adjust personal loan interest rates every month, tracking these changes helps you understand real affordability before applying. Comparing personal loan options across banks ensures manageable EMIs, better repayment terms, and a smoother overall borrowing experience.
| S.N. | Bank Name | Education Loan Interest Rate | Personal Loan Interest Rate |
| 1 | Rastriya Banijya Bank | 5.56% - 6.56% | 7.31% - 7.56% |
| 2 | Machhapuchhre Bank Limited | 6.76% - 8.76% | 6.76% - 8.76% |
| 3 | Everest Bank Ltd. | 6.88% - 8.88% | 5.88% - 7.88% |
| 4 | Laxmi Sunrise Bank | 7.01% - 9.01% | 7.01% - 9.01% |
| 5 | Sanima Bank | 7.11% - 9.11% | 7.11% - 9.11% |
| 6 | Nepal Bank Limited | 7.25% - 8.75% | 7.75% - 9.25% |
| 7 | Global IME Bank | 7.33% - 9.33% | 8.33% - 10.33% |
| 8 | Garima Bikas Bank | 7.39% - 9.39% | - |
| 9 | NIC Asia | 7.68% - 9.68% | 7.68% - 9.68% |
| 10 | Nepal SBI Bank | 7.96% - 9.96% | 6.46% - 8.46% |
| 11 | Nepal Investment Mega Bank | 8.19% - 10.19% | 8.19% - 10.19% |
| 12 | NMB Bank | 8.22% - 10.22% | 7.72% - 9.72% |
| 13 | Kumari Bank Limited | 8.38% - 9.88% | 7.38% - 9.38% |
| 14 | Himalayan Bank | 8.39% - 9.89% | 8.39% - 9.89% |
| 15 | Nabil Bank | 8.41% - 10.41% | 6.91% - 8.91% |
| 16 | Agriculture Dev. Bank | 8.49% | - |
| 17 | Prabhu Bank | 8.69% - 10.69% | 7.69% - 10.19% |
| 18 | Citizens Bank | 9.05% | 9.05% |
| 19 | Siddhartha Bank | 9.17% | 9.17% |
| 20 | Mahalaxmi Bikas Bank | 10.20% | - |
| 21 | Shine Resunga Dev. Bank | 10.49% | - |
| 22 | Shangri-la Development Bank | 10.68% | - |
| 23 | Lumbini Bikas Bank | 10.75% | - |
| 24 | Prime Commercial Bank | 11.26% | 11.26% |
| 25 | Jyoti Bikas Bank | 11.57% | - |
| 26 | Kamana Sewa Bikas Bank | 11.89% | - |
| 27 | Standard Chartered Bank | - | 8.86% - 9.36% |
Staying updated on monthly education loan interest rates in Nepal and personal loan interest rates is one of the simplest ways to manage borrowing costs and choose the right financing option. With banks revising their base rate and premium every month, comparing lenders helps you find lower EMIs, better terms, and a loan that truly fits your financial needs.
Saral Banking Sewa brings these updates together in one place so you can review rates easily, understand your options, and make confident decisions before applying for any loan.
