Siddhartha Bank Interest Rates Effective Falgun 1

12th February 2026, Kathmandu

Siddhartha Bank Limited has officially revised its interest rate structure effective from Falgun 1, 2082 (February 12, 2026). The updated rates reflect a strategic adjustment to prevailing market liquidity and Nepal Rastra Bank (NRB) guidelines, impacting a wide range of savings products, fixed deposits, and loan facilities.

Siddhartha Bank Interest Rates

The bank’s base rate for Poush 2082 stands at 5.60%, with the average base rate of the preceding three months recorded at 5.68%. This base rate serves as the primary benchmark for determining interest on all floating-rate loans.

Savings and Deposit Rates

Under the new structure, Siddhartha Bank offers a tiered interest rate system for savings, prioritizing remittance-linked and premium accounts.

Standard Savings Accounts

Most general savings products, including Siddhartha Sajilo Bachat Khata, Gen-Z Saving, and Mero Share Khata, now offer an interest rate of 2.75% per annum.

Premium and Remittance Savings

To encourage formal remittance inflows and high-value deposits, the bank offers higher yields on specific accounts:

• SBL Premium Remit Saving Account: 4.05%
• Platinum Plus / Priority / Professional Accounts: 3.05%
• Standard Remit Account: 3.00%
• Call Deposits: Up to 1.00%

Fixed Deposit (FD) Rates

Siddhartha Bank has streamlined its fixed deposit offerings to provide competitive returns for individual, remittance, and institutional depositors.

Individual Fixed Deposits

• 3 months to below 1 year: 3.00%
• 1 year to 2 years: 3.50%
• Above 2 years: 4.25%

Remittance Fixed Deposits

In line with national policy to incentivize migrant worker savings, remittance FDs carry a significant premium:

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• 3 months to below 1 year: 4.00%
• 1 year to 2 years: 4.50%
• Above 2 years: 5.25%

Institutional Fixed Deposits

Institutional rates remain lower to manage interest expenses, with a maximum of 3.50% for tenures exceeding five years.

Loan and Advance Interest Rates

Lending rates at Siddhartha Bank are generally determined by adding a premium to the Base Rate (5.60%).

Fixed Interest Rates for Individual Term Loans

For customers seeking certainty in their monthly repayments, the bank offers fixed-rate options for up to five years:

• Siddhartha Hamro Ghar Karja: 7.49% to 7.75% (Fixed for 7 years)
• Home Loan (Standard): 7.99%
• Electric Vehicle (EV) Loan: 8.25% to 8.50%
• Auto Loan (Fuel Engine): 9.25%
• Education / Professional Loan: 9.25% to 9.75%

Floating Rate Loans (Base Rate + Premium)

Working capital and business loans are priced based on the borrower’s risk profile:

• Large Corporate: Base Rate + up to 2.25%
• SME Loans: Base Rate + up to 3.00%
• Micro Banking: Base Rate + up to 3.25%

Foreign Currency Deposit Rates

The bank has also adjusted rates for accounts denominated in major global currencies, useful for exporters and NRNs:

• USD Savings: 2.50%
• GBP Savings: 2.00%
• AUD Savings: 1.25%
• EUR / CAD Savings: 1.00%

Summary of Key Regulatory Benchmarks

The bank maintains a Spread Rate of 3.90%, ensuring compliance with the Nepal Rastra Bank’s requirement to keep the gap between deposit and lending rates within a specific limit. Investors and borrowers should note that while fixed-rate loans remain stable for the agreed period, floating rates will adjust monthly based on the movement of the average base rate.

For More: Siddhartha Bank Interest Rates