Rastriya Banijya Bank Interest Rates Updated for Baisakh 2083

13th April 2026, Kathmandu

Rastriya Banijya Bank (RBB), one of Nepal’s leading government-owned commercial banks, has officially updated its deposit and loan interest rates effective from Baisakh 1, 2083, which corresponds to April 14, 2026.

Rastriya Banijya Bank Interest

The revised structure aims to align with current market trends while offering competitive returns to depositors and accessible credit facilities to borrowers across the nation.

This update covers a wide range of financial products, including various savings accounts, fixed deposits, foreign currency deposits, and multiple loan categories. As a major state-owned entity, these changes often set a tone for the wider banking industry in Nepal for the 2083/84 fiscal period.

Updated Savings Deposit Interest Rates

Rastriya Banijya Bank offers multiple savings account options designed for different demographic groups, with interest rates generally ranging from 2.75% to 4.00% per annum.

Key Savings Accounts and Rates:

• General Savings Account: 2.75%
• Special, Sunulo, Diamond, and Karmayogi Savings: Around 2.80%
• Remittance Savings Account: Up to 4.00%
• Institutional and Pension-related Accounts: Around 2.80%

Most savings accounts require a minimum balance ranging from NPR 500 to NPR 5,000, depending on the product type. Specialized schemes for students, pensioners, and employees remain available, providing stable interest rates and high accessibility for everyday banking needs.

Fixed Deposit (FD) Interest Rates

The bank provides several tiers for fixed deposits, rewarding long-term commitments with higher yields.

Individual Fixed Deposits:

• 3 months to 1 year: 3.50%
• 1 to 2 years: 4.00%
• 2 to 3 years: 4.50%
• Above 3 years: 4.75%

Institutional and Special FD Schemes:

• Institutional Fixed Deposits: Range from 2.75% to 4.00% based on tenure.
• Remittance Fixed Deposits: Offer highly competitive rates reaching up to 5.75%.

These FD options provide flexible tenure and attractive returns for both individual savers and large organizations looking to preserve capital.

Foreign Currency Deposit Rates

RBB provides savings and fixed deposit options in major foreign currencies to assist the Nepali diaspora and international businesses.

• USD Savings: Around 2.75%
• EURO Savings: Around 1.00%
• Other Currencies: Around 1.00%

Foreign currency fixed deposits may offer higher returns based on tenure and remittance inflows, with an additional 1% interest offered in specific cases to encourage formal foreign exchange channels.

Loan Interest Rates and Premium Structure

Rastriya Banijya Bank utilizes a Base Rate plus Premium model to determine final loan interest rates. The premium added to the base rate varies depending on the purpose of the loan and the risk profile of the sector.

Loan Premium Highlights:

Agricultural Loans: 0.50% to 1.50% (lowest premium for priority sector)

Hypothecation Loans: 0.50% to 2.00%

Demand and Pledge Loans: 1.50% to 3.00%

Business and Industrial Loans: Typically between 1.00% to 2.75%

Special categories, including hydropower and priority sector infrastructure, have specific premium structures based on the size and duration of the project.

Major Loan Categories Offered

The bank offers a comprehensive portfolio of lending products to support the economic goals of individuals and businesses:

• SME Loans (Working Capital and Term Loans)
• Subsidized and Non-subsidized Agricultural Loans
• Housing and Real Estate Loans
• Vehicle and Hire Purchase Loans
• Education and Professional Loans
• Loans against Fixed Deposits or Government Securities

Fixed Interest Rate Loan Options

For borrowers who prefer the certainty of fixed monthly payments, RBB has introduced fixed-rate options for several retail and institutional products.

Housing Loans (Fixed Rate):

• Up to 5 years: 9.25%
• Up to 10 years: 9.50%
• Up to 15 years: 9.75%

Vehicle and Other Loans:

• Electric Vehicle (EV) Loans: Around 8.50% (promoting green energy)
• Standard Vehicle Loans: 10.00% (up to 7 years)
• Personal and Professional Loans: Around 9.50%
• Institutional Term Loans: Range from 9.00% to 11.00% depending on the period.

Key Highlights of the Updated Rates

The Baisakh 2083 update focuses on balancing growth with stability:

• Savings interest rates remain attractive at up to 4.00%.
• Long-term remittance fixed deposits offer top-tier returns of 5.75%.
• Loan premiums are kept low for agricultural and SME sectors to stimulate the economy.
• Competitive fixed loan rates start from as low as 8.50% for electric vehicles.
• Continued focus on national priority sectors like housing and hydropower.

Conclusion

The updated Rastriya Banijya Bank Interest Rates for Baisakh 2083 reflect a strategic effort to balance deposit growth with credit expansion. By offering competitive returns on deposits and flexible loan options, RBB continues to play a crucial role in the financial ecosystem of Nepal.

These revised rates are expected to benefit both savers and borrowers while supporting key economic activities such as agriculture, infrastructure development, and small business expansion across the country in the new year 2083. Customers are encouraged to visit their nearest RBB branch for personalized calculations based on the new base rate.

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