Kathmandu. Nepal Rastra Bank is going to give loans at the cheapest interest by keeping the shares as collateral. National Commercial Bank is going to provide share loan at a minimum interest rate of 11.27 percent. People who want to take a loan choose a bank for a loan by looking at the base rate.

It is seen that when taking Aadhaar share loan at the base rate, the interest rate is cheap from the National Commercial Bank. The base rate of the bank is single digit ie 8.02 percent. According to the bank, a premium of 3.25 percent to 3.50 percent will be added depending on the size of the loan.

Nabil Bank is also going to add 3 percent to 5 percent premium to the base rate while disbursing share loans. The current base rate of the bank is 9.52 percent. It is seen that Nepal Bank will also provide cheap interest for share loans. Currently, the base rate of the bank is 9.55 percent. Based on this, the bank will be able to give share loans up to a minimum of 12.5 percent. The bank will give interest from 2.50 percent to 5 percent on base rate.

Similarly, it is seen that the interest will be reduced even when taking a share loan from the Agricultural Development Bank on the basis of base rate and premium rate. The base rate of the bank is 10.14 percent. The bank has said that only 2.50 percent will be added to the premium while disbursing share loans. Based on this, the bank will give share loan at a minimum of 12.64 percent.

On the other hand, taking a share loan from Kumari Bank is also seen to attract cheap interest. The bank will charge an additional minimum interest of 2 percent to 4.50 percent on the base rate. Based on this, a loan can be taken from the bank by keeping shares as collateral at a minimum of 12.87 percent.

Banks have started increasing loans. Lately, the deposits in the banking system are increasing and the interest rates of loans are also decreasing. At this time, banks are emphasizing on increasing loan investment. Especially after the accumulation of investable capital in the banking system, banks are seen focusing on share loans.

Based on the base rate and premium rate, it is seen that share loans can be taken from Rashtriya Commercial Bank, Nepal Bank, Krishi Bikas, Nabil and Kumari Bank at cheap interest. On the other hand, Nepal Investment Mega Bank, Prabhu Bank, NIC Asia, Global IME, Sanima NMB, Prime, Nepal SBI, Himalayan and Lakshmi Sunrise have said that 5/5 percent premium will be added to share loans. Currently, the base rates of these banks are 9.57 percent, 10.06 percent, 10.18 percent, 10.35 percent, 10.36, 10.37, 10.69, 10.92 and 10.96 percent respectively.

Similarly, Everest Bank's base rate is 9.92 percent, Siddharth's is 10.03 percent. These two banks have said that a four and a half percent premium will be added when giving share loans. On the other hand, Citizen and Machhapuchhre Bank will impose a 4 percent premium on share mortgage loans. At present, the base rate of these two banks is 10.72 percent and 10.74 percent respectively.