Salapa Bikas Bank Limited Announces New Interest Rates Effective From Jestha 2083

15th May 2026, Kathmandu

Salapa Bikas Bank Limited has officially updated its complete interest rate structure for various deposit and lending products. These new rates come into effect from Jestha 1, 2083, which aligns with mid May 2026.

Salapa Bank Interest Rates

The revision covers a wide array of financial instruments, including multiple types of local saving accounts, structured term fixed deposits, and various lending categories tailored for individuals and businesses. As a dedicated regional development bank in Nepal, these adjustments reflect current macroeconomic conditions and provide clear financial guidance for the upcoming calendar month.

Comprehensive Saving Deposit Options for Retail Customers

The bank offers a highly versatile selection of saving accounts designed to meet the unique financial needs of different demographic groups within its operational areas. According to the breakdown, the vast majority of standard saving accounts offer a consistent annual interest rate of 2.80 percent. This baseline rate applies to mainstream products such as Nari Saving, Student Saving, Jestha Nagarik Saving, Bal Bachat, Normal Saving, and Khutruke Bachat. This structured approach ensures steady growth for everyday retail savers.

Premium and Remittance Saving Yields For Higher Returns

For specific client segments, Salapa Bikas Bank provides enhanced returns to encourage long term capital accumulation. Accounts such as Promoter Saving, Pension Saving, Staff Saving, Salapa Staff Saving, and Microfinance Saving offer a higher tier rate of 3.00 percent per annum. The absolute highest return in the saving category is reserved for the Remit Saving scheme, which boasts an attractive 4.00 percent interest rate. According to the additional information provided by the institution, the interest earned on all saving and call deposits is calculated regularly and paid out to consumers on a quarterly basis.

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Tiered Fixed Deposit Structures for Individual and Institutional Clients

Individual and institutional investors looking for predictable long term growth can benefit from the tiered fixed deposit options. For a period spanning three to nine months, individual accounts receive 5.00 percent while institutions get 4.00 percent. A one year term increases the yield to 5.50 percent for individuals and 4.25 percent for institutions. For long term commitments of two years and above, individual savers receive a maximum of 6.00 percent interest, while institutional setups are capped at 5.25 percent. Remittance based fixed deposits for individuals receive an extra 1 percent premium on top of the standard individual rates.

Recurring Fixed Deposit and Call Account Options

Aside from standard term plans, the bank offers specialized structures for disciplined monthly saving habits and corporate liquidity management. The Recurring Fixed Deposit scheme is divided into clear time blocks: a one year plan yields 4.50 percent, a two year plan yields 5.00 percent, and any plan extending for five years and above offers 3.50 percent interest. For corporate entities and large account holders looking for high liquidity, the standard Call Account option delivers a flexible return rate reaching up to 1.40 percent per annum, with final rates remaining subject to direct negotiations based on current market behavior.

Lending Rates and Risk Premium Frameworks

On the borrowing side, Salapa Bikas Bank has established its three months average base rate for Chaitra 2082 at 9.94 percent. Standard loan products are priced using a formula that combines this base rate with a premium of up to 5 percent. This extensive list includes Cash Credit Loans, Personal Overdrafts, Business Term Loans, Agriculture Loans, Deprived Sector Loans, and Gold Loans. The final premium rate applied to an individual borrower is determined systematically based on the specific loan type and the internal credit risk rating assessment conducted by the credit department.

Subsidy Schemes and Fixed Deposit Borrowing

The bank also highlights specialized financing options and legally mandated subsidy loan structures. For the Women Empowerment Loan scheme, the interest rate is calculated as the base rate minus 6 percent plus a 2 percent premium. The standard subsidized Agriculture Loan follows a format of the base rate minus 5 percent plus a 2 percent premium. For individuals wishing to borrow capital against their own deposits, the bank allows loan options for up to 90 percent of the total deposit value. The cost for this facility is set at the coupon rate plus 2 percent or the base rate plus 0 percent, depending on whichever value is higher.

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