NMB Bank Interest Rates Updated for Deposits and Loans 2083

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13th April 2026, Kathmandu

NMB Bank has officially updated its deposit and loan interest rates effective from Baisakh 1 2083 which corresponds to April 14 2026.

NMB Bank Interest Rates

The revised rates reflect evolving market conditions and aim to offer competitive returns to depositors while ensuring flexible and accessible financing for borrowers across Nepal.

This update under NMB Bank Interest Rates Updated includes detailed revisions across savings accounts fixed deposits foreign currency deposits and a wide range of loan products. As a leading commercial bank in Nepal these changes are designed to support the financial goals of individuals and businesses in the new fiscal year.

Savings Deposit Interest Rates

NMB Bank offers a variety of savings products with interest rates primarily ranging between 2.75 percent and 3.00 percent per annum. These products are tailored to meet the needs of diverse customer groups including salaried individuals youth women and senior citizens.

Key Savings Accounts and Rates:

• General Savings Payroll Student and Youth Accounts: 2.75 percent
• NMB Ujyalo Pariwar Bachat Khata: 3.00 percent
• NMB Ujyalo Pension Bachat Khata: 3.00 percent
• NMB Janmabhumi Bachat Khata (Remittance): Up to 4.00 percent

The higher rate for remittance savings is part of a national effort to encourage formal banking channels for funds sent from abroad.

Call Deposit and Fixed Deposit Rates

The bank provides a structured return system for both short term liquidity and long term investments.

NPR Fixed Deposits:

• 3 months to below 1 year: 2.75 percent
• 1 year to below 18 months: 3.25 percent
• 18 months to below 2 years: Around 4.00 percent
• 2 years to below 5 years: Up to 4.25 percent
• 5 years and above: Up to 5.00 percent

Institutional deposits generally range between 2.75 percent and 4.00 percent depending on the tenure. Specialized schemes like the Manyajan Muddati and Janmabhumi Muddati provide even more competitive opportunities for those seeking high yield safe investments in 2083.

Foreign Currency Deposit Rates

NMB Bank continues to provide strong incentives for foreign currency deposits especially for the Non Resident Nepali community.

Currency Specific Rates:

• USD: Savings around 3.10 percent and FD around 3.00 percent
• GBP: Around 2.50 percent to 3.00 percent
• EUR: Around 2.00 percent
• AUD/CAD: Around 1.50 percent to 2.25 percent

NRN customers can benefit from special FCY FD schemes such as the NMB Namaste FCY FD which offers attractive returns starting from around 3.75 percent.

Loan Interest Rates and Premium Structure

NMB Bank follows a transparent Base Rate plus Premium model for most of its lending portfolio. The final interest rate is determined by adding a specific premium based on the borrower category and the type of loan.

SME and Corporate Loans:

• Working Capital Term and Revolving Loans: Base Rate + 0.25 percent to 2.50 percent
• Cash Credit and General Term Loans: Base Rate + 0.25 percent to 2.50 percent

Sector Specific and Retail Loans:

• Energy Financing: Base Rate + 0.25 percent to 2.50 percent
• Agriculture Loans: Competitive premium ranges based on project scale.
• Housing and Auto Loans: Base Rate + 0.50 percent to 2.50 percent
• Personal Loans: Base Rate + 2.00 percent to 4.00 percent

Fixed Interest Rate Loan Products

For customers who prefer predictable monthly payments NMB Bank has introduced fixed rate options for major retail products. This protect borrowers from fluctuations in the base rate over the loan term.

Home and Auto Fixed Rates:

• NMB Sulav Auto Loan: Starting from 8.89 percent.
• Electric Vehicle (EV) Loan: Starting from 8.99 percent.
• Sulav Ghar Karja (Up to 10 years): 9.99 percent.

Other retail term loans carry fixed rates ranging from 13.00 percent to 14.00 percent depending on the tenure of 5 to 10 years and beyond.

Special Features and Benefits in 2083

The updated interest rate structure includes several value added benefits:

• Green housing loans receive a 0.5 percent discount on interest rates to promote sustainability.
• Higher returns on foreign currency deposits specifically for NRN customers.
• Flexible loan pricing that rewards reliable borrower categories.
• A strong focus on supporting SMEs agriculture and the renewable energy sector.

Key Highlights of the Updated Rates

The NMB Bank Interest Rates Updated schedule for Baisakh highlights:

• Savings rates peaking at 4.00 percent for remittance.
• Long term fixed deposit returns reaching up to 5.00 percent.
• Loan premium ranges kept as low as 0.25 percent for specific sectors.
• Industry competitive auto loan rates starting at 8.89 percent.
• Stability through fixed home loan rates at 9.99 percent.

Conclusion

The revised NMB Bank Interest Rates Updated for Baisakh 2083 demonstrate a balanced and modern approach to banking services. With competitive deposit schemes and highly flexible loan products the bank continues to strengthen its position as a leading financial institution in Nepal.

These updates are expected to encourage long term savings and support business growth across various sectors of the economy during the year 2083. Customers are encouraged to visit their nearest NMB Bank branch for a personalized assessment of their loan and deposit needs.

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