{"id":29948,"date":"2026-05-26T13:04:46","date_gmt":"2026-05-26T07:19:46","guid":{"rendered":"https:\/\/bankingsansar.com\/?p=29948"},"modified":"2026-05-26T13:05:07","modified_gmt":"2026-05-26T07:20:07","slug":"what-is-the-provision-of-fixed-and-variable-interest-rates-for-loans-provided-by-banks-2","status":"publish","type":"post","link":"https:\/\/english.bankingsansar.com\/news\/29948","title":{"rendered":"What is the provision of fixed and variable interest rates for loans provided by banks?"},"content":{"rendered":"<div class=\"entry-content\">\n<p>Kathmandu. It provides information about the fixed and variable interest rate of the loans provided by the banks. Nepal Rastra Bank (NRB) has issued a financial awareness notice on Tuesday. <\/p>\n<section id=\"esn_ad-142\" class=\"post-page-ad-widget widget_esn_ad\">\n<p><div class=\"esn-ainfo-widget \">&#8220;Banks have to set a set of criteria while determining the interest rate of the loan provided to the customers,&#8221; the notice reads. Banks and financial institutions have to determine the interest rate of the loan in accordance with the rules of Nepal Rastra Bank. The interest rate of loans provided by banks can be fixed or variable. The fixed interest rate does not increase for a specified period of time, while the variable interest rate fluctuates according to the change in the base rate of the institution. While providing loans at variable interest rates, the banks and financial institutions can fix the interest rate by adding the premium to their base rate. &#8216;<\/div>\n<\/p>\n<p><div><\/div>\n<\/p>\n<p>TAG_OPEN_div_15&#8243;Such premium should be determined by assessing the risk of the borrower,&#8221; the notice states, &#8220;Once the premium rate is determined and the loan to be given to the borrower is mentioned in the proposal letter and the loan is approved, the premium rate cannot be increased or any kind of discount will be provided and the plan will be automatically increased again.&#8221; &#8216;<\/p><\/div>\n<\/p>\n<p>The Nepal Rastra Bank (NRB) has stated that customers taking loans at variable interest rates should be clear about the base rate and premium rate fixed on the loan while taking the loan proposal letter.<\/section>\n<p><strong>See also:<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-29945 size-full\" src=\"https:\/\/bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3.jpg\" alt=\"\" width=\"1489\" height=\"2048\" srcset=\"https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3.jpg 1489w, https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3-218x300.jpg 218w, https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3-745x1024.jpg 745w, https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3-768x1056.jpg 768w, https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2026\/05\/notice-3-1117x1536.jpg 1117w\" sizes=\"auto, (max-width: 1489px) 100vw, 1489px\" \/><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kathmandu. It provides information about the fixed and variable interest rate of the loans provided by the banks. Nepal Rastra Bank (NRB) has issued a financial awareness notice on Tuesday. &#8220;Banks have to set a set of criteria while determining the interest rate of the loan provided to the customers,&#8221; the notice reads. Banks and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[90,123,126,147],"tags":[],"class_list":["post-29948","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-breaking-en","category-banking-update-en","category-banking-news-en","category-news-en"],"acf":[],"jetpack_featured_media_url":"https:\/\/english.bankingsansar.com\/wp-content\/uploads\/2025\/02\/rastra-bank.jpg","_links":{"self":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/29948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/comments?post=29948"}],"version-history":[{"count":1,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/29948\/revisions"}],"predecessor-version":[{"id":29949,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/posts\/29948\/revisions\/29949"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/media\/17136"}],"wp:attachment":[{"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/media?parent=29948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/categories?post=29948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/english.bankingsansar.com\/bs_api\/wp\/v2\/tags?post=29948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}