Garima Bikas Bank Limited Announces Strategic Interest Rate Adjustments Across Deposit and Credit Portfolios

14th June 2026, Kathmandu

Garima Bikas Bank Limited has officially published its revised deposit and lending interest rates schedule.

Garima Bank Interest Rates

The newly updated financial structures are set to take effect from June 15 2026, which corresponds to the 1st day of Ashad 2083 in the local calendar. By deploying this revised pricing model, the bank aims to balance its portfolio yields, offer attractive options for remittance inflows, and establish competitive lending benchmarks for local businesses and industrial borrowers.

Analyzing the New Fixed Deposit Structures for Individual Institutional and Remittance Savers

The updated interest rate matrix sets up distinct yield tiers based on deposit ownership types and the long-term commitment of the funds.

The bank continues to offer a premium return on funds coming from legitimate foreign remittance channels to support national foreign exchange reserves.

The updated fixed deposit yield categories and tenure benchmarks include:

Individual Fixed Savings Track: Savers committing funds for 3 to 6 months or 6 months to 1 year will receive 2.75% per annum, while tenures from 1 to 3 years yield 3.00%. Long term individual commitments from 3 to 5 years pay 5.00%, and placements of 5 years and above earn the highest standard tier at 5.43%.

Special Individual Savings Programs: Targeted savings plans like the Sunaulo Bhabisya, Baal Nikchhep Yojana, Garima Swornim Nikchhep Yojana, Garima Surakshit Nikchhep Yojana, and standard Recurring Deposit schemes are set at a uniform 3.00% annual yield, though some alternate tracks for the Surakshit Nikchhep run at 2.75%.

Remittance Backed Fixed Portfolios: To boost foreign currency inflows, accounts funded through verified remittance pipelines receive a direct 1.00% additional interest premium over standard individual rates.

Institutional Capital Placements: Corporate and institutional fixed deposits are structured at 2.75% for terms spanning 6 months to 1 year as well as 1 to 3 years. The yield rises to 4.00% for 3 to 5 years, and reaches 4.45% for long term placements lasting 5 years and above.

Foreign Currency Asset Classes: Foreign Currency Fixed Deposits with a maturity duration of more than 6 months provide an interest rate of 4.00% per annum.

The bank treasury department notes that interest payments across these fixed placement products will follow a standard quarterly frequency.

Reviewing Savings Account Variations Special Accounts and Foreign Currency Tiers

The updated retail savings model applies a baseline yield across the majority of consumer savings products while providing higher returns for specific social and professional groups.

The baseline rate applies to popular consumer lines including the general savings products, corporate salary setups, and family accounts.

The specialized savings yields and alternative currency structures include:

Standard Consumer Savings Baseline: The vast majority of standard domestic savings accounts are anchored at a uniform return of 2.75% per annum. This applies directly to the Anibarya Bachat Khata, Home Employee Saving Account, Janakalyan Bachat Khata, Super Saving, Staff Saving, General Savings Account, Sworojgar Bachat Khata, Garima Surakshit Talab Khata, and all other unlisted standard saving products.

Specialized Consumer Savings Plans: Enhanced yields are offered on the Garima Shuva Lava Saving Account and Garima Dampati Saving Account at 2.95%, while the Garima Five in One Bachat Khata provides 3.00%.

Premium Domestic Savings Portfolios: High value retail options like the Mero Share Bachat Khata, Garima PMS Account, and Garima Green Saver Saving Account pay 3.75% per annum.

Migrant Worker and Foreign Employment Lines: To support citizens working abroad, the Foreign Remittance Saving Account and the Foreign Employment IPO Account offer the top domestic savings return of 4.75%.

Transactional and Foreign Currency Settings: Foreign Currency Saving Deposits with a minimum balance requirement of 10 US Dollars yield an interest rate of 2.75%. For institutional liquidity management, Corporate and Financial Institution Call Accounts provide an adjustable yield up to 1.37%.

The transactional deposit catalog maintains a strict 0.00% interest tier on both standard Current Accounts and structural Margin Accounts, which carry a minimum balance threshold of 5000 Rupees where applicable. A minimum balance of 500 Rupees is mandatory for customers utilizing electronic banking transactions on specific retail lines.

Evaluating Commercial Lending Premiums Base Rate Adjustments and Credit Penalties

On the credit side of the balance sheet, the bank has outlined specific premium guidelines that will be added to its moving average base rate from Baisakh 2083 to determine final floating loan costs.

The customized credit pricing applies directly to working capital facilities, retail asset loans, and specialized industry sectors.

The primary credit risk parameters and floating loan premium ranges over the base rate include:

• Business Capital and SME Extensions: Business Term Loans, SME Term Loans, and Working Capital facilities face a premium range running from 1.00% to 3.00%. Business or SME Cash Credit lines are priced lower at a premium range of 0.50% to 2.50%.
• Real Estate and Construction Assets: Standard Housing Loans, Real Estate Loans, and the dedicated Garima Aawas Karja all apply a premium spread of 1.00% to 3.00%. General Mortgage Loans carry a premium structure of 1.50% to 3.50%.
• Retail Vehicle Financing: Automotive financing lines feature tailored tracks, with standard Auto Loans applying a premium between 1.00% and 3.00%, while Hire Purchase Loans run higher with a premium between 2.00% and 4.00%.
• Productive and Social Sector Credit: Agriculture Loans and specialized Education Loans both operate under a premium range of 1.00% to 3.00%. Deprived Sector Lending carries an added premium of 2.00% to 4.00%, and Microfinance Wholesale Lending is capped up to a 2.00% premium addition.

Personal and Alternative Lines: Loan Against Shares holds a premium of 1.00% to 3.00%. Bridge Gap Loans, Gold Loans, and general Personal or Professional Loans all carry an added premium range of 2.00% to 4.00%. Force Loans carry a distinct structural premium setting of 5.00% or 5.23%.

The credit administration board emphasizes that financing backed by a client’s own Fixed Deposit will be priced based on the original coupon rate plus an added premium capped up to 2.00%.

Fixed Rate Loan Structure and Consortium Agreements

For borrowers seeking insulation from market fluctuations, the bank provides a comprehensive fixed interest rate framework that locks in borrowing costs over longer horizons.

These fixed rate options provide clear repayment clarity for long term home buyers and enterprise projects.

The fixed annual interest rate ranges based on product category and duration include:

• Home and SME Term Portfolios up to 7 Years: Debtors locking in credit for a duration up to 7 years will face a fixed interest rate running from 11.99% to 13.25% per annum.
• Home and SME Term Portfolios up to 10 Years: For intermediate commercial or residential projects lasting 7 to 10 years, the fixed borrowing track is set between 11.99% and 13.50%.
• Home and SME Term Portfolios up to 15 Years: Long range obligations spanning 10 to 15 years carry a fixed interest range established between 11.99% and 13.75%.
• Home and SME Term Portfolios exceeding 15 Years: The maximum maturity tier for home and business financing past 15 years carries a fixed rate structure running from 11.99% to 13.99%.
• Fixed Automotive and Hire Purchase Assets: Hire Purchase facilities and Auto Loans are locked in at higher fixed rates, running from 14.00% to 15.75% and 15.25% to 16.00% respectively.
• Alternative Fixed Credit Products: Fixed terms for Personal Term Loans run from 14.25% to 16.00%, Mortgage Loans span 14.50% to 16.00%, and Demand Loans operate between 14.75% to 16.00%.

The credit management division notes that final pricing on all large scale Consortium Financing will be decided exclusively during formal consortium bank meetings, provided the terms do not breach underlying regulatory guidelines. Standard credit card usage and transactions will continue to accrue interest based on the published standard tariff charges of the bank.

By keeping credit differentials aligned with local regulatory rules, Garima Bikas Bank Limited continues to support industrial expansion while protecting its depositors’ assets across its extensive national branch network.

For More: Garima Bank Interest Rates