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 Bhadra 2083 Rates · 33 Updated, 17 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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Deviation from Average

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Above avg

Below avg

Base Rate vs Spread

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Commercial Banks 20 Development Banks 16 Finance Companies 14

As of Bhadra 2083 Rates · 6 Updated, 8 Pending

Institution	Base Rate	3M Avg Rate	Spread Rate
AD Agriculture Development Bank	4.54%-0.01	4.55%	—
CI Citizens Bank International	4.91%-0.05	4.97%	3.50%+0.02
EV Everest Bank	4.13%-0.04	4.18%	3.08%-0.09
GI Global IME Bank	4.65%+0.05	4.64%	—
HI Himalayan Bank	5.03%-0.03	5.09%	—
KU Kumari Bank	4.84%-0.01	4.92%	—
LS Laxmi Sunrise Bank	4.94%+0.12	4.94%	3.13%-0.17
MA Machhapuchhre Bank	4.96%+0.15	4.93%	3.40%-0.07
NA NIC Asia Bank	5.57%-0.11	5.69%	3.24%-0.29
NM NMB Bank	4.95%-0.10	5.00%	3.47%+0.06
NA Nabil Bank	4.45%-0.01	4.41%	3.11%-0.02
NE Nepal Bank	4.37%-0.05	4.41%	3.42%-0.03
NI Nepal Investment Mega BankShrawan 2083	4.67%+0.14	4.63%	3.07%-0.08
NS Nepal SBI Bank	5.10%+0.05	5.11%	3.27%— 0.00
PR Prabhu Bank	4.98%+0.13	4.94%	3.19%-0.11
PC Prime Commercial Bank	4.80%-0.06	4.87%	3.57%-0.08
RB Rastriya Banijya Bank	3.83%-0.31	4.01%	3.39%-0.02
SA Sanima Bank	4.64%+0.06	4.71%	3.33%-0.17
SI Siddhartha Bank	4.92%+0.08	4.93%	3.52%-0.04
SC Standard Chartered Bank NepalShrawan 2083	3.91%-0.51	4.12%	3.71%-0.06

Institution	Base Rate	3M Avg Rate	Spread Rate
CD Corporate Development Bank	7.42%-0.02	7.54%	4.57%-0.01
ED Excel Development Bank	4.88%-0.35	4.99%	4.36%-0.08
GB Garima Bikas Bank	5.21%+0.07	5.22%	4.04%-0.03
GD Green Development Bank	6.03%+0.01	6.28%	4.37%+0.16
JB Jyoti Bikash BankShrawan 2083	5.27%-0.94	5.74%	4.15%— 0.00
KS Kamana Sewa Bikas BankShrawan 2083	5.42%-0.11	5.52%	4.00%+0.02
LB Lumbini Bikas BankShrawan 2083	5.54%+0.06	5.50%	3.86%+0.23
MD Mahalaxmi Development Bank	5.73%+0.09	5.68%	4.12%-0.04
MD Miteri Development Bank	5.37%-0.37	5.64%	4.60%+0.01
MB Muktinath Bikash Bank MoU Signed with Sindhu Bikas Bank & Janaki Finance for merger.	5.51%-0.01	5.52%	—
ND Narayani Development BankShrawan 2083	10.80%-8.07	14.50%	3.86%+0.10
SB Salapa Bikash Bank	9.14%-0.65	9.61%	4.58%-0.01
SD Saptakoshi Development BankShrawan 2083	5.83%-0.02	5.90%	4.17%-0.03
SD Shangrila Development Bank	5.62%+0.11	5.57%	4.14%-0.12
SR Shine Resunga Development BankShrawan 2083	5.53%+0.15	5.47%	3.90%-0.11
SB Sindhu Bikash BankShrawan 2083 MoU Signed for merger with Muktinath Bikas Bank	7.17%-0.10	7.22%	4.59%— 0.00

Finance Companies

Base rates & interest spreads of finance companies in Nepal, updated monthly

Institution	Base Rate	3M Avg Rate	Spread Rate
BF Best FinanceShrawan 2083	7.84%-0.39	8.04%	4.15%+0.05
CF Central Finance	6.18%-0.15	6.31%	4.40%-0.02
GF Goodwill FinanceShrawan 2083	6.61%-0.09	6.54%	4.10%-0.11
GM Guheshwori Merchant Banking & FinanceShrawan 2083	6.19%-0.14	6.31%	4.39%+0.05
GF Gurkhas FinanceShrawan 2083	6.09%-0.02	6.27%	4.55%-0.02
IF ICFC Finance	5.82%+0.14	5.79%	—
JF Janaki FinanceShrawan 2083 MoU Signed for merger with Muktinath Bikas Bank	9.42%-0.38	9.67%	4.60%— 0.00
MF Manjushree Finance	5.74%-0.10	5.78%	4.39%-0.20
MF Multipurpose Finance	7.53%-0.16	7.71%	4.59%+0.02
NF Nepal Finance	7.27%+0.06	7.36%	4.49%-0.05
PF Pokhara FinanceShrawan 2083 Merged with Samriddhi Finance on 26 Ashar 2083	6.77%+0.25	6.75%	3.95%-0.21
PF Progressive FinanceShrawan 2083	7.04%-0.16	7.19%	4.54%-0.01
RF Reliance Finance	6.49%-0.10	6.60%	4.16%+0.14
SI Shree Investment & FinanceShrawan 2083	6.31%-0.15	6.44%	3.67%-0.01