Everest Bank Interest Rates Updated for Deposits and Loans 2083

13th April 2026, Kathmandu

Everest Bank Limited has officially revised its deposit and loan interest rates effective from Baisakh 1, 2083, which corresponds to April 14, 2026.

Everest Bank Interest Rates

The updated rates aim to offer competitive returns to depositors while ensuring flexible and accessible financing options for borrowers across different sectors of Nepal.

This latest update under Everest Bank Interest Rates Updated includes comprehensive changes in savings accounts, fixed deposits, foreign currency deposits, and various loan products. As one of the most stable financial institutions in the country, these revisions reflect the bank’s commitment to aligning with current market dynamics while supporting the financial goals of its diverse customer base.

Savings Deposit Interest Rates

Everest Bank offers a range of savings accounts with interest rates varying based on the account type and the target demographic. These products are designed to cater to salaried individuals, remittance earners, and general account holders.

Key Savings Accounts and Rates:

• Remittance Plus / Savings Gorkha: 4.00%
• Everest Maxi Savings: 3.00%
• Saving Premium and Matribhumi Savings: 2.80%
• Everest Special and Payroll Savings: 2.80%
• Standard Savings Products: 2.75%

The premium rate for remittance based accounts highlights the focus of the bank on encouraging formal channels for the inflow of foreign funds into the Nepalese economy during the year 2083.

Call Deposit and Fixed Deposit Rates

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

NPR Fixed Deposits:

• 3 months to 2 years: 2.75%
• Above 2 years to 5 years: 3.50%
• Above 5 years: 4.05%

Institutional fixed deposits offer up to 3.50% for tenures exceeding 5 years. These FD options provide stable and predictable returns, with increasing benefits for customers who choose longer commitment periods.

Foreign Currency Deposit Rates

Everest Bank provides competitive foreign currency deposit options, ensuring alignment with global financial markets while offering localized benefits.

Currency Specific Rates:

• USD: Savings around 3.00% and FD up to 2.00%
• GBP: Savings around 3.25% and FD up to 2.00%
• EUR: Savings up to 1.50%

Notably, remittance based deposits in foreign currency receive an additional 1% interest rate, making these options highly attractive for Non-Resident Nepalis and those receiving international funds.

Loan Interest Rates and Credit Facilities

Everest Bank follows a transparent Base Rate plus Premium model for most of its lending portfolio. With a current base rate of approximately 4.65%, the final interest rate is determined by the specific premium added for each sector.

Loan Categories and Interest Bands:

• Corporate Loans: Base Rate + 0.50% to 2.50% (Focusing on short term and working capital).
• SME Loans: Base Rate + 1.00% to 3.00% (Including margin lending and term loans).
• Retail Loans: Base Rate + 1.00% to 3.00% (Covering education, professional, and vehicle loans).

Fixed Interest Rate Loan Options

For borrowers who prioritize stability and wish to avoid fluctuations in the base rate, Everest Bank has introduced highly competitive fixed rate loan options. These rates are ideal for long term financial planning.

Individual Fixed Rate Loans (Up to 7 Years):

• Housing and Vehicle Loans: Starting at 7.49%.
• Education and Professional Loans: Around 9.00% to 10.00%.

Short term fixed loans for up to 5 years are also available with interest rates starting from 8.50%, providing a reliable repayment structure for various personal and business needs.

Special Loan Features and Benefits in 2083

The updated interest rate structure includes several features designed to enhance financial inclusion:

• Deprived sector loans receive special concessions to support grassroots economic development.
• Eligible priority groups receive a 1% interest rate relaxation on specific lending products.
• Loans against fixed deposits and government bonds are available for immediate liquidity.
• FCY loans are linked directly with international benchmark rates to ensure transparency.

Key Highlights of the Updated Rates

The Everest Bank Interest Rates Updated schedule for Baisakh 2083 emphasizes:

• Savings rates peaking at 4.00% for the Gorkha and Remittance categories.
• Long term fixed deposit returns reaching 4.05%.
• Highly accessible retail lending with fixed home loan rates starting at 7.49%.
• Transparent corporate lending starting at just 0.50% above the base rate.
• Significant additional benefits for remittance and priority sector customers.

Conclusion

The revised Everest Bank Interest Rates Updated for Baisakh 2083 reflect a balanced and customer focused approach. With competitive savings rates, stable fixed deposit returns, and some of the lowest fixed rate home loan options in the market, the bank continues to strengthen its presence in the banking sector of Nepal.

These updates are expected to benefit both depositors and borrowers while supporting the overall economic growth of the country in the new fiscal year. Customers are encouraged to visit their nearest Everest Bank branch to explore these new rates and find the financial products that best suit their needs.

For More: Everest Bank Interest Rates