Manjushree Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- 5.89% – 9.89%
- Base rate 5.89% + 0–4%
- Land / property loan
- —
- Up to 25 years
- Up to 60% of the value
Home loan interest rates
Home loan rates published by Nepal’s banks, sorted by the lowest rate.
Rates as of 17 Sept 2026 – 18 Oct 2026
Photo: Billjones94 · CC BY-SA 4.0 · Cropped to 4:3 and resized to WebP
Rates change monthly; confirm with the bank. What you are offered depends on your income, the property and the bank’s premium for you.
14 banks
- Lowest
ICFC Finance
Finance companies
As of 18 Oct 2026
- Home loan
- 6.79% – 8.79%
- Base rate 5.79% + 1–3%
- Land / property loan
- —
Reliance Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- 7.18% – 8.93%
- Base rate 6.68% + 0.5–2.25%
- Land / property loan
- 7.68% – 9.68%
- Up to 25 years
- Up to 70% of the value
Progressive Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 9.09%
- Land / property loan
- —
- Third-party repost: pfltd.com.np loads its rate notices ('Interest Rate' tab on /announcement-notices) and loan details from an API that needs a token, so the page text does not show them. The lender's notice (effective 2083/06/01, 17 Sep 2026) was therefore read from ShareSansar's repost. One line covers Home, Real Estate, Auto/Hire Purchase, Personal and other loans: base rate + premium up to 2%. Fixed rate for all loan products is 9.99% for the first 5 years. baseRate = average base rate 7.09% as stated in the notice ('Applicable for Bhadra 2083'). Product list on pfltd.com.np/personal-loans: home loan for purchase or construction of land, land and building, flat, duplex, commercial complex or apartment. No tenure or LTV stated.
Nepal Finance
Finance companies
As of 17 Sept 2026
- Home loan
- 9.5% – 10%
- Land / property loan
- —
- Third-party repost: the lender's own site (nepalfinance.com.np, the address printed on its notice) shows a bot check and could not be read, so the lender's Ashwin 2083 notice (applicable from Ashoj 01, 2083) was read from ShareSansar's repost. The notice publishes fixed rates for individual Home Loan: 9.50% (1-3 years), 9.75% (above 3 to 5 years), 10.00% (above 5 years); rateMin/rateMax are these fixed rates. Its floating table has no separate home-loan line (Consumer & Other Loan Products: base rate + up to 4% premium; Business Loan: base rate + up to 3%). baseRate = average base rate of the last three months, 7.50%, as stated in the notice.
Shree Investment & Finance Company Limited
Finance companies
As of 18 Oct 2026
- Home loan
- up to 10.34%
- Land / property loan
- —
- Up to 80% of the value
- Notice applying from 1 Kartik 2083 (linked as 'Kartik (083/84)' on https://www.shreefinance.com.np/interest-rate/). No home-loan-specific line: 'all other loans' = average base rate + maximum 4.00% premium; fixed interest rate 9%. baseRate = average base rate 6.34% (end of Bhadra 2083). Previous notice (1 Ashwin 2083): average base rate 6.44%, same premium, fixed 11%. Home-loan page: loan up to 80% of property value; tenure not stated.
Goodwill Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 10.65%
- Land / property loan
- —
- Notice effective 1 Ashwin 2083 (17 Sep 2026), published 31 Bhadra 2083. It gives one line for 'All Loans': premium up to 4.00% p.a. on base rate, subject to internal risk rating; no separate home-loan rate. Fixed rates for all loans: 9.50-12.00% (up to 3 years), 12.25-13.25% (up to 5 years), 14.50% (up to 10 years and above). baseRate = 'Average Base Rate (BR)' 6.65% from the notice; base rate for Shrawan is 6.61%. The housing loan product page (goodwillfinance.com.np/loans/housing-loan) covers buying or building a house or flat but states no tenure or LTV.
Gurkhas Finance Limited
Finance companies
As of 18 Oct 2026
- Home loan
- up to 11.1%
- Land / property loan
- —
- Up to 50% of the value
- Kartik 2083 notice (effective 2083.07.01 = 18 October 2026), read from ShareSansar's repost because the lender's own site still showed its Ashwin notice on 16 October: 'All loan except FD loan: Base rate + upto 5%'; average base rate for Ashwin 2083 6.10% (Bhadra-end base rate 6.11%). The notice says detailed rates are on the company website. Its Ashwin notice (gurkhasfinance.com.np/interest-rates) listed Home Loan at BR + up to 5% with fixed rates of 10.00% (up to 5 yrs), 10.50% (5-10 yrs) and 11.00% (above 10 yrs). LTV from its Mortgage Loan page (house construction, purchase, plot purchase, renovation): up to 50% of FMV or as directed by NRB.
Central Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 11.41%
- Land / property loan
- —
- Notice effective 1st Ashwin 2083 (17/09/2026): 'All Loan Products' base rate + up to 5.00% (no home-loan-specific line); 'All Fixed Interest Rate Loan Products' 12.00%. baseRate = average base rate as on Shrawan 2083 (6.41%). Its Residential/Personal Home Loan page (land, building and apartment purchase, construction, renovation) gives no tenure or LTV. No Kartik 2083 notice on its site as of 2026-10-16.
Best Finance Limited
Finance companies
As of 17 Sept 2026
- Home loan
- up to 13.1%
- Land / property loan
- —
- Notice PDF effective 17 Sep 2026 (Ashwin 1, 2083), linked as 83/84 Ashwin: 'Other Loan' average base rate + up to 5% premium; fixed home loan 9.90% (up to 5 yrs), 10.50% (up to 10 yrs), 10.90% (up to 15 yrs). baseRate = average base rate 8.10% stated on the notice (3-month average to Shrawan 2083 on its base-rate page; the Bhadra 2083 3-month average there is 7.94%). Home-loan page: base rate + up to 5% premium; covers land, house and apartment purchase, construction, renovation and refinancing; no tenure or LTV stated. No Kartik 2083 notice on its site as of 2026-10-16.
Guheswori Merchant Banking & Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read: gmbf.com.np (and www.gmbf.com.np) only shows a bot-verification page ('Please wait while your request is being verified...'). A ShareSansar repost of its notice effective 2083/06/01 (1 Ashwin 2083 = 2026-09-17; https://www.sharesansar.com/announcementdetail/guheswori-merchant-banking-finance-limited-has-published-a-notice-regarding-the-new-interest-rate-for-deposit-and-loan-products-and-its-effective-from-1st-ashwin-2083-2026-09-16) has no separate home/housing-loan line (Term Loan/Overdraft (Personal Type) and Other Loan: base rate + up to 5%; fixed-rate term loans 8.00% for 1-2 yrs, 10.00% for 2-5 yrs, 11.00% above 5 yrs; base rate 6.28% = average Shrawan 2083), so no home-loan rate is recorded. Whether it offers a home loan could not be checked on its site.
Janaki Finance Company
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read. jfcl.com.np and other variants do not resolve. ShareSansar's company page gives the website as www.jfcjanakpur.com, which does not resolve; www.jfcjanakpur.com.np responds but shows a bot check ('One moment, please...'), so its content and ownership could not be confirmed. ShareSansar's announcement list for JFL has no interest-rate notices; its latest items are quarterly reports. ShareSansar's BFI rate table shows no rates for JFL for Ashwin 2083.
Multipurpose Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Rate page could not be read. multipurposefinance.com resolves but every page shows a bot check ('One moment, please...'), so its content, and that it belongs to this lender, could not be confirmed; its TLS certificate covers a banksmart.multipurposefinance.com subdomain. ShareSansar lists no website for MPFL, and its announcement list has no interest-rate notices; the latest items are quarterly reports and the 28th AGM. ShareSansar's BFI rate table shows no rates for MPFL for Ashwin 2083.
Pokhara Finance
Finance companies
As of 17 Sept 2026
- Home loan
- Not published yet
- Check the current rate with the lender.
- Land / property loan
- —
- Home-loan rate not confirmed. pokharafinance.com.np, the address printed on its notices, shows a bot check on every page, and its notices do not list loan premiums. The Ashwin 2083 notice (effective 2083/06/01, 17 Sep 2026; ShareSansar repost: https://www.sharesansar.com/announcementdetail/pokhara-finance-limited-has-published-a-notice-regarding-the-new-interest-rate-for-deposit-and-loan-products-and-its-effective-from-1st-ashwin-2083-2026-09-16) gives only deposit rates and base rate: Shrawan-end 2083 base rate 6.77%, average base rate of the previous three months (Jestha-Shrawan 2083) 6.75%. It says loan premium rates and fixed-rate loan rates stay as published the previous month. The Bhadra, Shrawan, Ashad and Baisakh 2083 notices say the same, and earlier notices (e.g. Falgun 2082) say the premiums are on the company website. Merged with Samriddhi Finance Company; the two began joint operation as Pokhara Finance from 26 Ashad 2083.
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