May 14, 2026

NMB Bank Announces Comprehensive Interest Rate Updates for Jestha 2083

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14th May 2026, Kathmandu

NMB Bank has officially published its updated interest rate schedule for deposit and lending products, effective from Jestha 1, 2083, which corresponds to May 15, 2026. The new rates cover a broad spectrum of financial offerings including local currency savings, fixed deposits, foreign currency accounts, and various loan categories.

NMB Bank Interest Rates

As a prominent financial institution in Nepal, NMB Bank continues to align its rates with market conditions while offering competitive returns for its diverse customer base.

Diverse Saving and Recurring Deposit Options

The bank provides a wide range of local currency savings accounts designed for different demographic segments. Standard accounts such as NMB General Payroll Account, NMB Mahila Bachat Khata, and NMB Student Savings Account offer an annual interest rate of 2.75 percent. Higher returns of 3.00 percent are available for specialized accounts like NMB Premium Super Talab Khata, NMB Go Green Savings, and NMB Uyalo Pariwar Bachat Khata. For those looking at remittance based savings, the NMB Janmabhumi Bachat Khata offers a top tier rate of 4.00 percent. Additionally, the bank offers a recurring deposit scheme, NMB Mero Kramik Khata, with a 2.75 percent interest rate.

Tiered Fixed Deposit Rates for Individuals and Institutions

Fixed deposit rates at NMB Bank are structured based on the duration of the investment and the type of depositor. Individual depositors can earn 2.75 percent for terms between 3 months and 1 year, with rates climbing to 4.80 percent for long term deposits of 5 years and above. Institutional fixed deposit rates start at 2.75 percent for 1 to 2 year terms and reach 4.00 percent for durations exceeding 5 years. Notably, the NMB Janmabhumi Muddati Khata for remittance provides a 1 percent premium over the individual fixed deposit rates, rewarding the inflow of foreign earnings.

Foreign Currency Deposit Opportunities

NMB Bank offers robust foreign currency (FCY) deposit options for both individual and institutional clients. US Dollar (USD) fixed deposits for 3 months and above offer 3.40 percent, while Great Britain Pound (GBP) and Australian Dollar (AUD) fixed deposits provide 3.00 percent. For Non Resident Nepalese, the NMB Namaste FCY FD offers even higher returns, reaching up to 3.75 percent for USD and 3.00 percent for GBP, CAD, and AUD. Savings accounts in these currencies generally offer between 0.50 percent and 2.50 percent, while call deposits are linked to benchmark rates.

Structured Lending Rates and Premium Brackets

On the lending side, NMB Bank utilizes a base rate plus premium structure for its loan products. For corporate and mid corporate clients in manufacturing, service, and trading sectors, the premium over the base rate typically ranges from 0.15 percent up to 2.50 percent depending on the specific loan type. Project financing for energy and tourism sectors features premiums between 0.25 percent and 2.50 percent. Fixed interest rate options are also available for specific products, such as project finance ranging from the base rate plus 1.50 percent to 3.50 percent.

Retail and Specialized Loan Features

Individual borrowers can access a variety of retail loans with competitive pricing. Housing loans up to 30 million NPR carry a premium of 0.5 percent to 2.5 percent over the base rate. Auto loans for electric vehicles feature premiums between 0.5 percent and 2.5 percent for personal use, whereas public and commercial electric vehicles may see premiums up to 4 percent. The bank also offers a fixed rate home loan, Sulav Ghar Karja, at 9.99 percent for up to 10 years. For those interested in sustainable options, the interest rate for environmentally friendly housing (green homes) is explicitly stated to be 0.5 percent lower than the standard rate.

Governance and Regulatory Compliance

The bank remains strictly aligned with the directives of Nepal Rastra Bank (NRB) for its lending operations. Interest rates for consortium loans are decided by the consortium, while subsidy loans follow specific NRB directives. Furthermore, the bank clarifies that interest rates on loan products will not apply for substandard or below category loan accounts. These comprehensive updates ensure that NMB Bank maintains a transparent and responsible relationship with its stakeholders while navigating the evolving financial landscape of Nepal.

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