Nepal Bank review

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

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Our verdict

Nepal Bank suits borrowers in Nepal who want one bank relationship rather than a marketplace quote, with a fixed rate of 8.5% to 8.99% and a term of 240. Its NPR 5,000,000 ceiling is high for a retail lender, but eligibility is narrow, so read the terms before you apply.

Key facts

Best for
A salaried or self-employed Nepalese borrower wanting a long fixed-rate loan from a direct lender.
APR
8.5% to 8.99% (Source, checked September 26, 2026)
Loan amount
NPR 5,000,000 (Source, checked September 26, 2026)
Term
240 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Nepalese citizens only, 18 years at loan origination and max 60 years at loan termination; salaried or self-employed (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Student, Business (Source, checked September 26, 2026)
Legal entity
Nepal Bank Limited (Source, checked September 26, 2026)
Headquarters
Nepal (Source, checked September 26, 2026)
Founded
1937 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
nepalbank.com.np

Mortgages

Initial rate
7.99% (Source, checked September 26, 2026)
Fixed period
5 to 10 years (Source, checked September 26, 2026)
Maximum loan to value
60% to 100% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Nepal Bank Limited (Source, checked September 26, 2026)
Headquarters
Nepal (Source, checked September 26, 2026)
Founded
1937 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXyoutube.com

Pros and cons

Pros

  • Fixed rates of 8.5% to 8.99% held for 5 to 10
  • Borrowing up to NPR 5,000,000 through a direct lender
  • Term of 240 ranks 9 of 232 brands
  • Personal, secured, car, student and business lending under one bank

Cons

  • Eligibility is limited to Nepalese citizens who are adults at origination and no older than a maximum age at loan termination
  • Support runs on email and phone only, with no chat or branch-to-branch contact listed
  • A revolving credit line is the only feature listed on the personal loan, so drawdown terms are not set out
Nepal Bank

Ready to try Nepal Bank?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Salaried or self-employed residents of Nepal needing a personal loan up to NPR 5,000,000
  • Borrowers who want a fixed rate rather than a floating one
  • People who prefer dealing with the bank itself rather than a broker

Who should look elsewhere

  • Anyone who is not a Nepalese citizen, since eligibility is restricted to citizens
  • Borrowers outside Nepal, as lending is offered to residents only
  • Applicants wanting a chat or in-branch channel, as contact runs on email and phone

Who runs it

Nepal Bank Limited is a direct lender based in Nepal, founded in 1937. It writes retail loans itself rather than acting as a broker, so an application goes straight to the bank. Its product set covers personal, secured, car, student and business lending, plus a revolving credit line on the personal loan. Queries are handled through email and phone, which lists email and phone.

How Nepal Bank compares

Where Nepal Bank is available

Available
Nepal

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

Frequently asked questions

What rate does Nepal Bank charge on a personal loan?+

The listed rate is fixed and sits at 8.5% to 8.99%. That rate is held for 5 to 10, so payments stay predictable across the fixed period. Compare it with the site median of 12% and the mid range of 6.13% to 24.92%.

How much can I borrow and for how long?+

Personal loans run up to NPR 5,000,000 with a term of 240. That term places the bank at 9 of 232 brands on length, which is longer than the personal loan median of 36 months.

Who can apply?+

Lending is open to Nepalese citizens only, and the loan must be repaid by a maximum age at termination. Applicants can be salaried or self-employed, so both employment routes are accepted. The personal loan can be drawn as a revolving credit line as well as a term loan.

Is the rate fixed or variable?+

The rate type is fixed, and the pricing model is fixed rate, so there is no monthly rate reset to absorb. 80.5% of the offers compared here are fixed, and 100% are fixed-rate models, which makes Nepal Bank a mainstream choice on this point.

What other loans does the bank offer?+

Beyond personal loans, the range includes secured, car, student and business lending. Home loans run at an initial rate of 7.99% with a maximum loan to value of 60% to 100%, and cover both purchase and remortgage.

Who is the lender and how is it regulated?+

The legal entity is Nepal Bank Limited, a direct lender rather than a broker, founded in 1937. No regulator, licence or deposit protection scheme is listed for this lender, so the safety of the money depends on the bank's own standing rather than a named scheme.

How do I get in touch?+

Contact runs on email and phone, covering email and phone. For comparison, 85% of the offers compared offer phone and 79% offer email, with 33.1% offering chat.

Does a broker or marketplace do the deal?+

No, Nepal Bank is the lender itself. 72.1% of the offers compared are direct lenders, against 20.6% for brokers, so an application here is dealt with by the bank.

Sources

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

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Nepal Bank

Nepal Bank

A salaried or self-employed Nepalese borrower wanting a long fixed-rate loan from a direct lender.

9.3/10See alternatives

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