Vehicle Loan EMI Calculator
Calculate your vehicle loan EMI for cars, motorcycles, commercial vehicles, and electric vehicles. Compare financing options, understand insurance costs, and plan your vehicle purchase with accurate EMI calculations.
Vehicle Type
Car
Personal cars and sedans
Max LTV
50%
Max Tenure
60m
Benefits:
Low maintenance cost
Good resale value
Family friendly
Popular for urban families in Nepal
Motorcycle
Two-wheelers and scooters
Max LTV
60%
Max Tenure
36m
Benefits:
Fuel efficient
Easy to park
Affordable EMI
Most popular vehicle type in Nepal hills
Commercial Vehicle
Trucks, buses, and commercial vehicles
Max LTV
50%
Max Tenure
84m
Benefits:
Income generating
Business asset
Tax benefits
Essential for Nepal freight and transport
Special
Electric Vehicle
Electric vehicles with special benefits
Max LTV
60%
Max Tenure
84m
Benefits:
Zero emissions
Lower operating cost
Government incentives
Nepal government promoting EV adoption
Vehicle Details
Loan Details
✓
✓
Down Payment
0.0% of vehicle price
Min: 50%Amount: रु. 0Max: 80%
Loan Amount
रु. 0
NaN% of vehicle price
Loan vs Vehicle Price
0%
Current: रु. 0Target: रु. 0
Ready to Calculate
Enter your vehicle details and loan preferences to see personalized EMI calculations
Current Interest Rates
- • Car Loans: 9% - 14%
- • Two-wheelers: 10% - 16%
- • Commercial: 11% - 15%
- • Electric vehicles: 7% - 12%
Loan Features
- • Up to 80% financing
- • Tenure up to 7 years
- • Zero down payment schemes
- • Insurance bundling options
Special Benefits
- • EV subsidies available
- • Women borrower discounts
- • Festival season offers
- • Exchange bonus schemes
Additional Services
- • Comprehensive insurance
- • Extended warranty options
- • Roadside assistance
- • Online EMI payment
Best Vehicle Loan Rates (2024/25)
Private & Commercial Banks
- • Global IME Bank: 9.5% - 13%
- • NIC Asia Bank: 10% - 14%
- • Nabil Bank: 9% - 12.5%
- • Standard Chartered: 10.5% - 14%
Government Banks
- • Nepal Bank Limited: 9% - 12%
- • Rastriya Banijya Bank: 8.5% - 11.5%
- • Agriculture Development Bank: 9.5% - 13%
- • Special EV rates: 7% - 10%
Important Considerations
- • Processing fees: 1-2% of loan amount
- • Mandatory comprehensive insurance for loan tenure
- • Hypothecation charges and registration fees apply
- • Down payment minimum: 20% (10% for EVs)
- • Age limit: Vehicle should not be older than 10 years at loan maturity
- • Prepayment allowed after 6 months with minimal charges
Vehicle Financing Tips
Before Purchase
- • Compare on-road prices
- • Check dealer tie-ups
- • Negotiate interest rates
- • Consider total ownership cost
Loan Selection
- • Fixed vs floating rates
- • Choose optimal tenure
- • Bundle insurance wisely
- • Read foreclosure terms
Cost Savings
- • Higher down payment
- • Shorter loan tenure
- • Festival season deals
- • Corporate tie-up benefits
Electric Vehicle Special Benefits
- • Government subsidy on loan interest (up to 3% reduction)
- • Lower down payment requirements (10% minimum)
- • Extended loan tenure up to 8 years
- • Customs duty exemption on imported EVs
- • Priority processing and green loan certification
- • Free charging infrastructure support from select banks
Disclaimer & Important Notes
- • Interest rates vary based on vehicle type, loan amount, and customer profile
- • Actual EMI may differ based on processing fees and insurance premiums
- • Vehicle remains hypothecated to the bank until full repayment
- • Terms and conditions subject to change as per Nepal Rastra Bank guidelines
- • Always verify current offers and eligibility criteria with your chosen bank