Laxmi Sunrise Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Laxmi Sunrise Bank is a Nepal-based bank with a small but clear offer: a savings account that is free of monthly fees, a Visa debit card and personal lending at a variable 7.49% to 10.99%. It suits people in Nepal who want everyday money and borrowing under a single brand.
Key facts
Loans
Savings
Mortgages
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 9 sources
Pros and cons
Pros
- Savings with a monthly fee of NPR 0 and a minimum deposit of NPR 0, paying a headline rate of 2.75%.
- A debit card on the visa network, with a credit card also issued.
- Personal loans of up to NPR 500,000 over 36 at 7.49% to 10.99%.
- Access through any branch, mobile and internet banking, with interest accrued daily and paid quarterly.
Cons
- Free early repayment is not offered, so an early exit has to be checked against the service charges.
- Support runs on email and phone only.
- Borrowing is priced on a variable basis and applications use a hard credit check.
Who it suits
- People in Nepal who want savings and spending on a single account, with no monthly fee (NPR 0) and no minimum deposit (NPR 0).
- Savers who are comfortable with a variable rate of 2.75% and do not need a fixed term.
- Borrowers who can handle a hard credit check and a 36 repayment term.
Who should look elsewhere
- Anyone chasing a fixed savings rate, because the variable rate can move against the balance.
- People who expect to clear a loan early, since free early repayment is not offered.
- Borrowers who need more than up to NPR 500,000, or a longer term than 36.
Rates and card terms
The savings account pays a headline rate of 2.75%, with interest accrued daily and credited quarterly rather than as a single year end payment. Personal loans are priced at 7.49% to 10.99% on a variable basis, so the rate can move over the 36 term. Card terms sit alongside: the bank issues a debit card on the visa network and a credit card.
The company behind it
The bank trades as Laxmi Sunrise Bank Limited, is headquartered in Nepal and was founded in 2023, so it is a young lender with a short track record. Support runs on email and phone, and the savings account can be reached through branch, mobile and internet banking.
How Laxmi Sunrise Bank compares
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Frequently asked questions
What does the savings account cost to run?+
Nothing to hold it. The Sunrise savings account has a monthly fee of NPR 0 and a minimum deposit of NPR 0, so it can be opened at any balance. It is an easy access account, and interest is accrued daily then paid quarterly.
What rate do I earn and is it locked in?+
The headline rate is 2.75% and the rate type is variable, so the amount added to the balance can move rather than staying fixed for a term. Interest is calculated each day and credited quarterly, which suits money that might be needed without notice.
How do I get at my money?+
You can bank at any branch, or use mobile and internet banking, so the account does not depend on visiting one counter. It is an easy access account, which suits savers who want access without a notice period, and the NPR 0 monthly fee means holding it costs nothing.
Which card comes with the account?+
The card offered is a debit card on the visa network, and the bank also issues a credit card. A debit card draws on the savings balance as you spend, while a credit card is a separate borrowing arrangement on the same bank's terms.
How much can I borrow and over what period?+
Personal loans run to up to NPR 500,000 and are repaid over 36, offered as a personal product arranged directly by the bank. Home loans sit alongside, with a maximum loan to value of 70% to 80% and a purchase purpose.
What will borrowing cost me?+
Loans are priced at 7.49% to 10.99% on a variable basis, and a 0.25% loan administration fee is added on top. Applications use a hard credit check, which is recorded on your credit file, and the variable rate means the monthly figure can change over the term.
Can I repay a loan early?+
Free early repayment is not offered on these loans, so it is worth reading the service charge schedule before planning to clear a balance before the end of the 36 term. The 0.25% loan administration fee is applied when the loan starts.
Sources
- laxmisunrise.com checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Head Office: Laxmi Sunrise Bank Limited, Laxmi Complex, Hattisar, Kathmandu Metro - 1, Kathmandu, Nepal”
- laxmisunrise.com/card-services/credit-card checked September 26, 2026
Backs: Card kind
“VISA Credit Card”
- laxmisunrise.com/card-services/visa-debit-card checked September 26, 2026
Backs: Card type, Card network
“VISA Debit Card”
- laxmisunrise.com/deposit/sunrise-savings checked September 26, 2026
Backs: Access terms, Minimum deposit, Pricing model, Monthly fee
“Any Branch Banking Services (ABBS) including cheque book requests”
- laxmisunrise.com/loan/home-loan checked September 26, 2026
Backs: Maximum loan to value, Purpose
“Financing up to 70% of Fair Market Value (up to 80% for first home buyer) of the proposed collateral or as per NRB directives”
- laxmisunrise.com/loan/lifestyle-loans checked September 26, 2026
Backs: Loan amount, Lender type, Loan types, Term
“Max loan amount: NPR 500,000”
- laxmisunrise.com/rates/interest-rates checked September 26, 2026
Backs: Account kind, APR, Fixed period, Headline rate, Initial rate, Rate type
“Interest rate on Call & Saving accounts will be calculated on daily basis and paid quarterly”
- laxmisunrise.com/rates/schedule-of-service-charges checked September 26, 2026
Backs: Credit check, Free early repayment, Arrangement fee, Origination fee (%)
“Credit Check Fee - NPR 621.50.00 with customer's details - NPR 282.50 without details to be obtained upfront.”
- laxmisunrise.com/who-we-are/a-new-legacy checked September 26, 2026
Backs: Founded
“On July 14, 2023, a new era in banking began with the birth of Laxmi Sunrise Bank, emerging from the merger of two established Nepali banks”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Laxmi Sunrise Bank
Nepali households wanting fee-free everyday banking, a Visa debit card and personal loans in one place.