A home loan in Nepal helps you finance your house purchase, construction, or renovation with flexible EMI options suitable for your income. With monthly changes in home loan interest rates based on base rate and premium, comparing lenders becomes essential before applying. The right home financing choice can lower your EMI, reduce long-term costs, and make your homeownership journey much easier.
Meanwhile, an auto loan in Nepal makes it simpler to buy a new or used vehicle through structured EMIs and competitive financing options from banks. Since auto loan interest rates and premiums change every month, staying updated helps you understand real affordability. Comparing car loan offers ensures lower EMIs, better repayment terms, and a smoother overall vehicle financing experience.
| S.N. | Bank Name | Home Loan Interest Rate | Auto Loan Interest Rate |
| 1 | Everest Bank Ltd. | 5.88% - 7.88% | 5.88% - 7.88% |
| 2 | Nabil Bank | 5.91% - 7.91% | 6.41% - 8.41% |
| 3 | NMB Bank | 6.22% - 8.22% | 7.72% - 9.72% |
| 4 | Machhapuchhre Bank Limited | 6.26% - 8.76% | 6.26% - 8.76% |
| 5 | Standard Chartered Bank | 6.36% - 8.36% | - |
| 6 | Nepal SBI Bank | 6.46% - 8.46% | 6.21% - 8.46% |
| 7 | Laxmi Sunrise Bank | 6.51% - 8.51% | 7.01% - 9.01% |
| 8 | Rastriya Banijya Bank | 6.56% - 7.06% | 6.56% - 7.56% |
| 9 | Global IME Bank | 6.83% - 8.83% | 6.83% - 8.83% |
| 10 | NIC Asia | 6.93% - 8.93% | 7.68% - 9.68% |
| 11 | Muktinath Bikas Bank | 6.99% - 8.99% | 7.59% - 9.59% |
| 12 | Sanima Bank | 7.11% - 9.11% | 7.11% - 9.11% |
| 13 | Kumari Bank Limited | 7.38% - 9.38% | 7.88% - 9.88% |
| 14 | Garima Bikas Bank | 7.39% - 9.39% | 7.39% - 9.39% |
| 15 | Agriculture Development Bank | 7.49% - 8.49% | 7.99% |
| 16 | Nepal Bank Limited | 7.67% | 5.75% - 7.75% |
| 17 | Nepal Investment Mega Bank | 7.69% - 9.69% | 7.69% - 9.69% |
| 18 | Prabhu Bank | 7.69% - 9.69% | 7.69% - 10.19% |
| 19 | Himalayan Bank | 8.39% - 9.89% | 8.39% - 9.89% |
| 20 | Citizens Bank | 8.55% | 8.55% |
| 21 | Siddhartha Bank | 8.92% | 8.92% |
| 22 | Mahalaxmi Bikas Bank | 10.20% | 10.20% |
| 23 | Shine Resunga Development Bank | 10.49% | 10.49% |
| 24 | Shangri-la Development Bank | 10.68% | 10.68% |
| 25 | Lumbini Bikas Bank | 10.75% | 10.75% |
| 26 | Prime Commercial Bank | 11.26% | 11.26% |
| 27 | Jyoti Bikas Bank | 11.57% | 11.57% |
| 28 | Kamana Sewa Bikas Bank | 11.89% | 11.89% |
Monthly changes in home loan interest rates in Nepal and auto loan interest rates can significantly impact your EMI and overall borrowing cost. Reviewing the updated Mangsir interest rates helps you quickly identify which banks are offering competitive home financing and car loan options. To make smarter decisions, always compare loan rates, premiums, and repayment terms before applying.
Saral Banking Sewa keeps you updated every month so you can choose the right bank with clarity and confidence.
