What is the base rate of banks in Nepal?

The base rate is the minimum lending rate a bank can charge, calculated from its cost of funds and operating costs under Nepal Rastra Bank rules. Every commercial bank, development bank and finance company publishes it monthly — the rates on this site come from those official disclosures.

What is interest rate spread?

The interest rate spread is the difference between a bank's average lending rate and its average deposit rate — the margin it earns for intermediating money. Nepal Rastra Bank caps the spread that banks and financial institutions may maintain.

How often is this data updated?

Monthly. Institutions publish rates for each Nepali calendar month, and the site is updated as disclosures become available.

As of Ashadh 2083 Rates · 16 Updated, 35 Pending

Commercial Banks

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avg base rate · vs last month

Development Banks

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avg base rate · vs last month

Finance Companies

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avg base rate · vs last month

Movement This Month

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base rate changes

Interest Spread

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avg spread · vs last month

Interest Rate Corridor

NRB policy rates

Bank Rate (ceiling)

Policy Rate

Deposit Collection (floor)

Interbank Rate

Base Rate Trend

Category averages

Commercial Banks

Development Banks

Finance Companies

Base Rate Distribution

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Commercial Banks

Development Banks

Finance Companies

Category Deviation

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Above avg

Below avg

Base Rate vs Spread

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As of Jestha 2083 Rates · 16 Updated, 0 Pending

Institution	Base Rate	3M Avg Rate	Spread Rate
Agriculture Development Bank	4.56%▼ 0.30	4.79%	—
Citizens Bank International	5.04%▼ 0.07	5.13%	3.48%▼ 0.02
Everest BankJestha 2083	4.32%▼ 0.03	4.38%	3.04%▼ 0.04
Global IME Bank	4.67%▼ 0.08	4.75%	3.29%▲ 0.01
Himalayan Bank	5.19%▼ 0.12	5.31%	—
Kumari Bank	5.08%▼ 0.10	5.18%	3.11%▲ 0.02
Laxmi Sunrise Bank	5.05%▼ 0.05	5.11%	3.22%▼ 0.06
Machhapuchhre Bank	5.02%▲ 0.01	5.04%	3.48%▼ 0.02
NIC Asia Bank	5.83%▼ 0.07	5.91%	3.50%▲ 0.06
NMB Bank	5.01%▼ 0.11	5.11%	3.43%▼ 0.01
Nabil Bank	4.32%▼ 0.15	4.44%	3.18%▼ 0.02
Nepal Bank	4.45%▼ 0.02	4.50%	3.54%▼ 0.04
Nepal Investment Mega BankJestha 2083	4.70%▲ 0.01	4.75%	3.13%▼ 0.08
Nepal SBI Bank	5.19%— 0.00	5.21%	3.21%▼ 0.10
Prabhu BankJestha 2083	4.99%▼ 0.10	5.07%	3.35%— 0.00
Prime Commercial Bank	4.95%▼ 0.11	5.07%	3.66%— 0.00
Rastriya Banijya Bank	4.06%▼ 0.14	4.17%	3.44%▲ 0.07
Sanima Bank	4.91%▲ 0.03	4.92%	3.39%▼ 0.10
Siddhartha Bank	5.02%▼ 0.01	5.06%	3.69%▲ 0.07
Standard Chartered Bank NepalJestha 2083	4.04%▼ 0.19	4.21%	4.00%▲ 0.12

Development Banks

Base rates & interest spreads of development banks in Nepal, updated monthly

Institution	Base Rate	3M Avg Rate	Spread Rate
Corporate Development Bank	7.93%▼ 0.14	8.13%	4.58%▲ 0.02
Excel Development Bank	5.28%▼ 0.08	5.44%	4.57%▼ 0.01
Garima Bikas Bank	5.24%▲ 0.01	5.26%	4.04%▼ 0.05
Green Development Bank	7.25%▲ 0.01	7.28%	4.41%▼ 0.05
Jyoti Bikash Bank	5.75%▲ 0.05	5.81%	4.18%▼ 0.04
Kamana Sewa Bikas Bank	5.60%▼ 0.06	5.67%	4.00%▼ 0.07
Lumbini Bikas Bank	5.47%▼ 0.15	5.61%	3.56%▼ 0.52
Mahalaxmi Development Bank	5.63%▼ 0.05	5.69%	4.18%▼ 0.02
Miteri Development Bank	5.60%▼ 0.93	6.01%	4.49%▲ 0.37
Muktinath Bikash Bank	5.56%▼ 0.06	5.64%	4.30%▲ 0.06
Narayani Development Bank	13.82%▲ 0.29	15.44%	4.10%▲ 0.23
Salapa Bikash Bank	9.87%▼ 0.02	9.89%	4.58%▲ 0.01
Saptakoshi Development Bank	6.03%▼ 0.05	6.13%	4.21%▲ 0.05
Shangrila Development Bank	5.57%▼ 0.07	5.66%	4.02%▼ 0.40
Shine Resunga Development Bank	5.51%▼ 0.16	5.66%	4.09%▲ 0.05
Sindhu Bikash Bank	7.23%▼ 0.03	7.33%	4.59%— 0.00

Institution	Base Rate	3M Avg Rate	Spread Rate
Best Finance	8.04%▼ 0.22	8.28%	4.11%▼ 0.10
Central Finance	6.47%▼ 0.31	6.72%	4.43%▲ 0.01
Goodwill Finance	6.31%▼ 0.13	6.45%	4.39%▼ 0.11
Guheshwori Merchant Banking & Finance	6.42%▼ 0.08	6.54%	4.57%▲ 0.02
Gurkhas Finance	6.62%▼ 0.09	6.77%	4.38%▼ 0.15
ICFC Finance	5.97%▼ 0.11	6.10%	—
Janaki Finance	9.79%▲ 0.13	9.72%	4.60%— 0.00
Manjushree Finance	5.71%▲ 0.07	5.69%	4.59%— 0.00
Multipurpose Finance	8.19%▼ 0.04	8.26%	4.58%— 0.00
Nepal Finance	7.69%▼ 0.17	7.88%	4.57%▼ 0.01
Pokhara Finance	6.95%▼ 0.19	7.21%	4.20%▲ 0.14
Progressive Finance	7.32%▼ 0.14	7.45%	4.55%▲ 0.08
Reliance Finance	6.74%▼ 0.32	7.05%	4.21%▼ 0.02
Samriddhi Finance	8.66%▼ 0.28	8.90%	4.57%— 0.00
Shree Investment & Finance	6.55%▼ 0.13	6.68%	3.70%▼ 0.03

Rate History

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Coming Soon

We're compiling this data from Nepal Rastra Bank disclosures. It will be available in a future update.