LCY Deposits Interest Rates: Complete Guide for Nepal 2026

15th March 2026, Kathmandu

Nabil Bank has officially updated its local currency (LCY) deposit and loan interest rate structure effective from 15th March 2026 (1st Chaitra 2082).

LCY Deposits Interest Rates

As one of Nepal’s leading commercial banks, Nabil Bank’s latest adjustments provide a clear benchmark for depositors and borrowers navigating the current liquidity-rich environment of the Nepali banking sector. This guide serves to summarize the key interest rate changes and the various financial products currently available to retail and institutional clients.

LCY Deposits: Savings and Fixed Deposit Rates

Nabil Bank continues to offer a diversified portfolio for savers. The LCY savings account rates are structured to incentivize different types of depositors, from general users to remittance beneficiaries.

Savings Account Highlights:

The Nabil General Savings Account and Nabil Premium Nari Bachat Khata offer an annual interest rate of 2.75 percent. Higher-tier options like the Nabil Gold Savings Account and Corporate Super Savings provide a slightly enhanced return of 2.80 percent per annum. Notably, the Nabil Premium Remittance Savings Account remains one of the most attractive options, yielding 3.80 percent per annum, reflecting the bank’s focus on capturing migrant worker inflows.

Fixed Deposit (FD) Tenures and Returns:

For individual depositors, Nabil Bank has tiered its fixed deposit rates to reward long-term commitment. Returns start at 2.85 percent for short-term (3 to 6 months) deposits and scale up to 5.55 percent for deposits exceeding 10 years. Institutional fixed deposits follow a similar scaling pattern, reaching the same 5.55 percent ceiling for tenures beyond a decade, providing a stable return for corporate treasuries looking to park excess cash.

Foreign Currency (FCY) Deposit Rates

Nabil Bank maintains a competitive suite of foreign currency products for institutional and individual clients dealing with international trade or remittances.

Advertisement

USD accounts currently see savings rates ranging from 1.50 to 1.75 percent, with fixed deposits earning between 2.25 and 3.55 percent. Other major currencies like the GBP, EUR, and AUD have specific rate structures, with fixed deposits for these currencies generally hovering around 2.25 percent for longer tenures. These rates remain subject to change based on international market fluctuations and Nepal Rastra Bank (NRB) guidelines.

LCY Loan Products: Retail and Business

The lending side of Nabil Bank’s portfolio is designed to accommodate the diverse needs of the Nepali economy, ranging from small-scale entrepreneurship to corporate expansion.

Business Lending:
The bank applies a premium over its base rate for business loans. Directed sector loans are priced with a premium of 0.25 to 2.25 percent. Corporate and SME working capital loans are assessed with a premium ranging from 1.00 to 3.25 percent, reflecting the bank’s risk-based pricing model.

Retail Loan Products:
For individuals, Nabil Bank offers several key products:
Mortgage Loans: Loans up to 25 million rupees are priced between 8.49 and 10.49 percent, while larger amounts attract rates between 10.99 and 11.99 percent.
Auto Loans: Rates for both private and commercial vehicle financing range from 9.99 to 12.00 percent.
Education Loans: These are priced with a premium over the base rate ranging from 1.00 to 3.50 percent.

Important Considerations for Customers

When planning your finances with Nabil Bank, it is essential to consider the following operational nuances:

Monthly Revisions: Interest rates are subject to change on a monthly basis, as they are anchored to the average base rate of the preceding three months.
Penalties and Premiums: A penal interest rate of 2 percent applies to any overdue loan installments. Furthermore, loans taken against fixed deposits or institutional deposits are generally subject to a premium of up to 2 percent above the deposit interest rate.
Regulatory Compliance: All loan and deposit products are subject to the broader directives and monetary policy guidelines issued by the Nepal Rastra Bank.

As the banking sector in Nepal continues to navigate periods of excess liquidity and varying credit demand, Nabil Bank’s updated rate card offers a baseline for comparing financial products. Whether you are looking to secure a high-yield fixed deposit or seeking financing for a new business venture, reviewing these rates is the first step toward sound financial planning.

For More: LCY Deposits Interest Rates