Overdraft Loan Interest Rates of Nepali Bank and Financial Institutions || Arthasarokar

Overdraft Loan

Last updated as of: October 7, 2026

S.N.	Bank Name	Scheme Name	Base Rate for the Month	Interest Rate	Details
1	Rastriya Banijya Bank Ltd. (RBBL)	Agro Loan (OD)	4.01	4.51% - 5.11%	Details
2	Rastriya Banijya Bank Ltd. (RBBL)	Overdraft Loan	4.01	4.51% - 6.01%	Details
3	Agriculture Development Bank Ltd. (ADBL)	Overdraft Loan (Individual)	4.55	4.55% - 9.55%	Details
4	Agriculture Development Bank Ltd. (ADBL)	Overdraft Loan	4.55	4.55% - 9.55%	Details
5	Prime Commercial Bank Ltd. (PCBL)	Mortgage Loan (Overdraft)	4.87	4.87% - 9.87%	Details
6	Siddhartha Bank Ltd. (SBL)	Mortgage Loan (Overdraft)	4.93	4.93% - 8.18%	Details
7	Citizens Bank International Ltd. (CZBIL)	Mortgage Loan (Overdraft)	4.97	4.97% - 7.97%	Details
8	Excel Development Bank Ltd. (EDBL)	Personal Loan (OD)	4.99	4.99% - 8.99%	Details
9	Everest Bank Ltd. (EBL)	Working Capital Loan (Overdraft)	4.18	5.18% - 7.18%	Details
10	Nabil Bank Ltd. (NABIL)	Export/OD/TR/DL/STL Loan	4.41	5.41% - 7.91%	Details
11	Lumbini Bikas Bank Ltd. (LBBL)	Agro Plus Loan (OD)	5.46	5.46% - 9.46%	Details
12	Lumbini Bikas Bank Ltd. (LBBL)	Business Plus Loan (OD)	5.46	5.46% - 9.46%	Details
13	Lumbini Bikas Bank Ltd. (LBBL)	Gold Loan (OD)	5.46	5.46% - 9.46%	Details
14	Shangri-la Development Bank Ltd. (SADBL)	Personal OD Loan	5.57	5.57% - 9.56%	Details
15	Shangri-la Development Bank Ltd. (SADBL)	Agriculture Loan (OD)	5.57	5.57% - 9.56%	Details
16	Shangri-la Development Bank Ltd. (SADBL)	SME Loan (OD)	5.57	5.57% - 9.56%	Details
17	Shangri-la Development Bank Ltd. (SADBL)	Real Estate Loan (OD)	5.57	5.57% - 9.56%	Details
18	Shangri-la Development Bank Ltd. (SADBL)	Tourism Loan (OD)	5.57	5.57% - 9.56%	Details
19	Shangri-la Development Bank Ltd. (SADBL)	Energy Loan (OD)	5.57	5.57% - 9.56%	Details
20	Jyoti Bikas Bank Ltd. (JBBL)	Personal Loan (OD)	5.64	5.64% - 10.64%	Details
21	Mahalaxmi Bikas Bank Ltd. (MLBL)	Agriculture Loan (OD)	5.68	5.68% - 9.43%	Details
22	Nabil Bank Ltd. (NABIL)	Personal Overdraft Loan	4.41	5.91% - 7.91%	Details
23	Machhapuchchhre Bank Ltd. (MBL)	Mortgage Overdraft Loan	4.93	5.93% - 7.93%	Details
24	Nepal SBI Bank Ltd. (SBI)	Personal Overdraft Loan	5.11	6.11% - 8.11%	Details
25	Green Development Bank Ltd. (GRDBL)	Personal OD Loan	6.28	6.28% - 10.28%	Details
26	Green Development Bank Ltd. (GRDBL)	Overdraft Loan	6.28	6.28% - 10.28%	Details
27	Nepal Bank Ltd. (NBL)	Professional OD Loan	4.41	6.41% - 7.91%	Details
28	Lumbini Bikas Bank Ltd. (LBBL)	Personal OD Loan	5.46	6.46% - 9.46%	Details
29	Sanima Bank Ltd. ( SANIMA)	Personal OD/Loan	4.71	6.76% - 8.21%	Details
30	Reliance Finance Limited (RLFL)	Personal OD Loan	6.6	6.85% - 8.6%	Details
31	Lumbini Bikas Bank Ltd. (LBBL)	Real Estate Loan (OD)	5.46	6.96% - 9.46%	Details
32	Nepal Investment Mega Bank Ltd. (NIMB)	Personal OD Loan	4.55	7.05% - 9.05%	Details
33	Saptakoshi Development Bank Ltd. (SAPDBL)	Agricultural Loan	7.1	7.1% - 9.1%	Details
34	Saptakoshi Development Bank Ltd. (SAPDBL)	Personal Loan	7.1	7.1% - 10.1%	Details
35	Saptakoshi Development Bank Ltd. (SAPDBL)	Business Loan	7.1	7.1% - 9.6%	Details
36	Sindhu Bikas Bank Ltd. (SINDU)	Overdraft Loan	7.25	7.25% - 12.25%	Details
37	Nepal Bank Ltd. (NBL)	Personal OD Loan	4.41	7.41% - 8.41%	Details
38	Nepal Bank Ltd. (NBL)	Flexi Overdraft Loan	4.41	7.41% - 7.91%	Details
39	NMB Bank Ltd. (NMB)	Personal Overdraft Loan	5.01	7.51% - 9.51%	Details
40	Kumari Bank Ltd. (KBL)	Personal Overdraft Loan	4.92	7.92% - 8.92%	Details

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