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

14th June 2026, Kathmandu

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

Prabhu 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 local currency fixed deposit yield categories and tenure benchmarks include:

Individual Fixed Savings Track: Savers committing funds for 6 months to 1 year will receive 2.75% per annum, while tenures above 1 year to 3 years yield 3.10%. Placements stretching above 3 years to 10 years earn 4.00%, and long term commitments extending above 10 years reach the peak standard tier at 4.55%.

Remittance Backed Fixed Portfolios: Specialized inbound investment channels via the Prabhu Unnati Mudati Remittance program receive enhanced returns, offering 4.00% for most standard terms and rising all the way to 5.55% for long range placements exceeding 10 years.

Specialized Individual Fixed Savings: The dedicated Swarnim Mudati 5 Years account for individual asset builders features a set return of 4.00% per annum. Meanwhile, the Prabhu Hybrid Bachat Khata Fixed Deposit provides 2.75% for terms above 1 year, and the Prabhu Recurring Fixed Deposit maintains a flat 2.75% yield across all active tenures.

Institutional Capital Placements: Corporate and institutional fixed deposits are strictly standardized by the treasury, maintaining a flat rate of 2.75% per annum across all operational durations, including 6 months to 1 year, above 1 year to 3 years, above 3 years to 10 years, and above 10 years.

Reviewing Savings Account Variations Special Accounts and Call Tiers

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

The baseline rate applies to popular corporate and retail lines, with specific minimum balance boundaries conditioning account maintenance.

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The specialized savings yields and liquid balance parameters include:

Premium Remittance Savings Track: The highest tier of consumer savings returns yields 4.00% per annum with a 0.00 minimum balance requirement. This rate applies directly to the Prabhu Foreign Unnati Savings Remittance, Prabhu Unnati Savings Remittance, and Prabhu Shramik Bachat Khata.

Mid Tier Consumer Savings Lines: The specialized Prabhu Shatabdi Savings account requires a higher minimum entry balance of 25000.00 and provides an interest rate of 3.00% per annum. The companion Prabhu Hybrid Savings account offers the same 3.00% annual yield but features a 0.00 minimum balance condition.

Standard Consumer Savings Baseline: A uniform return of 2.75% per annum applies to the vast majority of core consumer savings lines. Accounts running with a 0.00 minimum balance requirement include the Prabhu Salary Savings, Prabhu Foreign Savings, Prabhu Welcome Savings, Prabhu Muaabja Savings, Prabhu G2P Savings, Prabhu Normal Savings, Prabhu Goodluck Savings, and Prabhu Nari Savings.

Low Threshold Retail Savings: Operating at the same 2.75% base rate, a modest minimum balance requirement of 100.00 is mandatory for the Prabhu Chetana Bachat Khata, Prabhu Khutruke Savings, Prabhu Senior Citizen Savings, and Prabhu Guest Savings.

Corporate Liquidity and Call Accounts: For corporate trade desks seeking short term liquidity management, domestic Nepalese Rupee Call Deposits provide adjustable returns capped up to 0.10% per annum.

Examining Foreign Currency Asset Placement Frameworks

To facilitate international trade, foreign investment, and balance capital holdings for cross-border depositors, the bank operates a multi currency ledger requiring a baseline minimum balance of 50.00 across standard foreign currency accounts.

The structural yields across prominent global currency portfolios include:

• US Dollar Asset Ledgers: Standard individual and institutional fixed deposits for terms of 3 to 6 months and above pay 3.60% per annum. Transactional US Dollar savings accounts yield 2.70%, while corporate US Dollar call accounts are set at 1.35%.
• Euro Currency Yield Settings: Fixed deposit placements for Euro holdings offer a yield of 2.70%, while underlying saving accounts generate 1.80%, and active liquid call accounts provide 0.90%.
• Great Britain Pound Sterling Portfolios: Fixed terms for British Pound assets yield 3.15% per annum, matched with a standard saving account return of 1.80% and a transactional call rate of 0.90%.
• Australian Dollar Holdings: Australian Dollar fixed accounts are aligned at 3.15% per annum, while the corresponding liquid savings accounts yield 2.25%, and corporate call settings provide 1.125%.
• Chinese Yuan Capital Tracks: Fixed deposits denominated in Chinese Yuan feature a 3.40% interest rate, combined with a 2.50% saving account return and a 1.25% call account rate.
• Japanese Yen Liquid Accounts: Placements in Japanese Yen provide a 2.03% fixed deposit return, a 1.35% standard saving rate, and a call tier established at 0.675%.

For Non Resident Nepalis and overseas corporate entities, the specialized Prabhu NRN and Foreign Institutional Foreign Currency deposit lines require a higher equivalent entry threshold of 1000.00 US Dollars. The underlying yield framework for these premium accounts tracks the standard foreign currency matrix, ensuring that institutional fixed deposits for 1 year and above remain anchored at 3.60%, while retail NRN liquid savings draw a steady 2.70% per annum.

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

For More: Prabhu Bank Interest Rates