EMI calculator
Choose one of our 20 loans to use its published rate, or set your own figures below.
Published limit: up to Rs 2,500,000 over 5 years.
No published limit or term, so set the amount and term you need.
Published limit: up to Rs 2,500,000 over 5 years.
No published limit or term, so set the amount and term you need.
Published limit: up to Rs 100,000 over 5 years.
No interest for the first 45 days. After 45 days, 12% a year, the Kharkhancho Loan rate, charged from the disbursement date. The figures here are for a loan that runs past 45 days.
Published limit: up to Rs 15,000 over 3 months.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
2 percentage points above the rate paid on the fixed deposit. Add 2 to your deposit’s rate and type it in the rate box.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
2 percentage points above the interest paid on the saving. Add 2 to your saving’s rate and type it in the rate box.
No published limit or term, so set the amount and term you need.
No published limit or term, so set the amount and term you need.
Interest rate notice,
effective from 2083 Bhadra 11More about the Agriculture and Livestock Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Baidesik Rojgar Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Business Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Daily Saving Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Educational Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Emergency Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Entrepreneurship Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Entrepreneurship Promotion Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Fixed Deposit Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Hire Purchase Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Household Goods and Appliance Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Housing Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Jyoti Krishak Sahara Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Kharkhancho Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Land and Building Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Member Relief Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Micro Enterprise Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Microfinance Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Regular Saving Collateral Loan
Interest rate notice,
effective from 2083 Bhadra 11More about the Saving Collateral Loan
The Agriculture and Livestock Loan’s published rate. Change it to try your own.
Your own rate.
The Baidesik Rojgar Loan’s published rate. Change it to try your own.
Your own rate.
The Business Loan’s published rate. Change it to try your own.
Your own rate.
The Daily Saving Loan’s published rate. Change it to try your own.
Your own rate.
The Educational Loan’s published rate. Change it to try your own.
Your own rate.
The Emergency Loan’s published rate. Change it to try your own.
Your own rate.
The Entrepreneurship Loan’s published rate. Change it to try your own.
Your own rate.
The Entrepreneurship Promotion Loan’s published rate. Change it to try your own.
Your own rate.
The Hire Purchase Loan’s published rate. Change it to try your own.
Your own rate.
The Household Goods and Appliance Loan’s published rate. Change it to try your own.
Your own rate.
The Housing Loan’s published rate. Change it to try your own.
Your own rate.
The Jyoti Krishak Sahara Loan’s published rate. Change it to try your own.
Your own rate.
The Kharkhancho Loan’s published rate. Change it to try your own.
Your own rate.
The Land and Building Loan’s published rate. Change it to try your own.
Your own rate.
The Member Relief Loan’s published rate. Change it to try your own.
Your own rate.
The Micro Enterprise Loan’s published rate. Change it to try your own.
Your own rate.
The Microfinance Loan’s published rate. Change it to try your own.
Your own rate.
The Saving Collateral Loan’s published rate. Change it to try your own.
Your own rate.
5 years
Worked out in your browser. Nothing you enter is sent or saved.
Monthly installment
Rs 11,122
- Total interest
- Rs 167,333
- Total to repay
- Rs 667,333
- Loan amount Rs 500,000 (75%)
- Interest Rs 167,333 (25%)
Year by year
| Year | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| 1 | 77,645 | 55,822 | 422,355 |
| 2 | 87,493 | 45,974 | 334,862 |
| 3 | 98,588 | 34,878 | 236,274 |
| 4 | 111,093 | 22,374 | 125,181 |
| 5 | 125,181 | 8,285 | 0 |
Figures are an estimate, rounded to whole rupees. Your service center gives you the exact repayment schedule with your loan.
Our loan rates
The interest rate of each of our 20 loans. Choose Calculate to see a loan’s installment in the calculator.
| Loan | Interest rate | Installment |
|---|---|---|
| Agriculture and Livestock Loan | 9.75% a year | |
| Baidesik Rojgar Loan | 11% a year | |
| Business Loan | 9.5% a year | |
| Daily Saving Loan | 12.5% a year | |
| Educational Loan | 11% a year | |
| Emergency Loan | 12% a year after 45 days | |
| Entrepreneurship Loan | 7% a year | |
| Entrepreneurship Promotion Loan | 6.78% a year | |
| Fixed Deposit Loan | Your deposit’s rate plus 2 points | |
| Hire Purchase Loan | 11.5% a year | |
| Household Goods and Appliance Loan | 12% a year | |
| Housing Loan | 7.89% a year | |
| Jyoti Krishak Sahara Loan | 9.75% a year | |
| Kharkhancho Loan | 12% a year | |
| Land and Building Loan | 11.5% a year | |
| Member Relief Loan | 10% a year | |
| Micro Enterprise Loan | 10% a year | |
| Microfinance Loan | 12.5% a year | |
| Regular Saving Collateral Loan | Your saving’s rate plus 2 points | |
| Saving Collateral Loan | 9% a year |
- Agriculture and Livestock Loan
9.75% a year
- Baidesik Rojgar Loan
11% a year
- Business Loan
9.5% a year
- Daily Saving Loan
12.5% a year
- Educational Loan
11% a year
- Emergency Loan
12% a year after 45 days
- Entrepreneurship Loan
7% a year
- Entrepreneurship Promotion Loan
6.78% a year
- Fixed Deposit Loan
Your deposit’s rate plus 2 points
- Hire Purchase Loan
11.5% a year
- Household Goods and Appliance Loan
12% a year
- Housing Loan
7.89% a year
- Jyoti Krishak Sahara Loan
9.75% a year
- Kharkhancho Loan
12% a year
- Land and Building Loan
11.5% a year
- Member Relief Loan
10% a year
- Micro Enterprise Loan
10% a year
- Microfinance Loan
12.5% a year
- Regular Saving Collateral Loan
Your saving’s rate plus 2 points
- Saving Collateral Loan
9% a year
effective from 2083 Bhadra 11
Interest rates, collateral and documents depend on the loan type and amount. Loans are available to share members. Ask your service center for the current rate sheet before applying. Paying the monthly installment and interest together in full takes 1 percentage point off the rate, except on concessional loans. When rates are revised, members whose installments are irregular or overdue stay on their previous rate.
Ready to become a member?
Visit any of our 9 offices in Kavre, or download the member application form and bring it with your citizenship certificate.