Laxmi Sunrise Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Laxmi Sunrise Bank lends directly for personal loans in Nepal at fixed rates of 7.49% to 10.99%, and it suits borrowers who want a set term of 36 with a known repayment figure. The hard credit check and the 0.25% loan administration fee charge are the trade-offs.

Key facts

Best for
Borrowers in Nepal wanting a fixed rate personal loan from a direct lender.
APR
7.49% to 10.99% (Source, checked September 26, 2026)
Loan amount
up to NPR 500,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
0.25% loan administration fee (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Origination fee (%)
0.25% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Laxmi Sunrise Bank Limited (Source, checked September 26, 2026)
Headquarters
Nepal (Source, checked September 26, 2026)
Founded
2023 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
laxmisunrise.com

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Fixed rates of 7.49% to 10.99% keep the repayment figure steady for the whole term
  • It lends directly, so you deal with the bank rather than going through a broker
  • Loan sizes of up to NPR 500,000 cover larger personal needs
  • Support runs on email and phone, so help is a call or an email away

Cons

  • Free early repayment is no, so settling the balance early carries a cost
  • A hard credit check means a full file search sits behind the decision
  • Repayment terms run to 36, shorter than the longest terms on the market
Laxmi Sunrise Bank

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Nepal who want a fixed rate personal loan with a known figure
  • Anyone comfortable with a hard credit check and a full file search
  • People who prefer dealing with the lender directly rather than a broker

Who should look elsewhere

  • Anyone planning to repay early for nothing, since free early repayment is no
  • Borrowers with thin files who cannot clear a hard credit check
  • Anyone wanting a term longer than 36 may find more room at Monzo Flex

How Laxmi Sunrise Bank compares

Where Laxmi Sunrise Bank is available

Available
Nepal
Licence in Nepal
Nepal Rastra Bank, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Laxmi Sunrise Bank personal loan?+

The bank lends at fixed rates of 7.49% to 10.99%, so the rate does not drift during the term. Because the pricing is fixed rather than variable, your repayment figure stays as set at the start.

How much can I borrow and for how long?+

Personal loans of up to NPR 500,000 run on a term of 36. Laxmi Sunrise Bank is a direct lender, so you apply to the bank itself rather than going through a broker.

Are there fees on top of the interest?+

An administration fee of 0.25% loan administration fee is listed in the schedule of service charges. The rate stays fixed, and the legal entity behind the lending is Laxmi Sunrise Bank Limited.

Can I repay the loan early without a penalty?+

Free early repayment is no on these loans, so paying off the balance ahead of schedule can carry a cost. That charge is worth weighing before you commit to a term of 36 rather than a longer one.

Which regulator licenses Laxmi Sunrise Bank?+

The bank is licensed by Nepal Rastra Bank in Nepal, where its head office sits. Personal loans of up to NPR 500,000 are lent to borrowers in that market, and the legal entity is Laxmi Sunrise Bank Limited.

What credit check will I face?+

The credit check is hard, the most thorough type, and it leaves a full record on your file. Applicants without a strong credit history may struggle on loans of up to NPR 500,000.

Who does Laxmi Sunrise Bank lend to?+

It offers personal loans, so it suits anyone covering a personal expense in Nepal who can clear a hard credit check. People wanting longer repayment periods, or who may settle the loan early, get a poorer deal.

How do I get in touch with the bank?+

Support runs on email and phone. Applicants can ask about the fixed rates of 7.49% to 10.99% and the 0.25% loan administration fee charge before applying, and the bank was founded in 2023.

Sources

  • laxmisunrise.com checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Laxmi Sunrise Bank Limited Laxmi Complex, Hattisar Kathmandu Metro - 1, Kathmandu, Nepal (Head Office)”

  • laxmisunrise.com/loan/lifestyle-loans checked September 26, 2026

    Backs: Loan amount, Lender type, Loan types, Term

    “Max loan amount: NPR 500,000”

  • laxmisunrise.com/rates/interest-rates checked September 26, 2026

    Backs: APR, Pricing model, Rate type

    “Loans & Advances (NPR) - Fixed Rates %p.a. ... Lifestyle / Personal Loans(%) ... Up to 15 years ... 7.49 - 10.99”

  • laxmisunrise.com/rates/schedule-of-service-charges checked September 26, 2026

    Backs: Credit check, Free early repayment, Arrangement fee, Origination fee (%)

    “Credit Check Fee - NPR 621.50.00 with customer's details - NPR 282.50 without details to be obtained upfront.”

  • laxmisunrise.com/who-we-are/a-new-legacy checked September 26, 2026

    Backs: Founded, Licences

    “On July 14, 2023, a new era in banking began with the birth of Laxmi Sunrise Bank, emerging from the merger of two established Nepali banks”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Related by the facts

Laxmi Sunrise Bank

Laxmi Sunrise Bank

Borrowers in Nepal wanting a fixed rate personal loan from a direct lender.

8.8/10See alternatives

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