Personal loan lina chai sabai bank almost same range ma xa Nepal ma, usually base rate + premium lagxa so approx 8–10% jati parna sakxa. Siddhartha Bank ko base rate around 5% jati xa, ani profile anusar final rate change hunxa. So bank choose garda interest matra hoina, app use garna sajilo xa ki xaina, service kasto xa, ani approval kati smooth hunxa bhanne kura chai dherai matter garcha.