Standard Chartered Bank Nepal Revises Deposit and Lending Interest Rates

14th June 2026, Kathmandu

Standard Chartered Bank Nepal Limited has officially published its revised deposit and lending interest rates schedule.

Standard Chartered 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 standard placements spanning from 6 months to 5 years will receive a normal interest rate of 2.75% per annum. For long term commitments extended above 5 years, the standard individual yield rises to 3.95% per annum.

Remittance Backed Fixed Portfolios: Specialized inbound investment channels for individual savers receive enhanced returns, offering 3.75% per annum for tenures spanning 6 months to 5 years, and rising to a peak of 4.95% per annum for long range placements exceeding 5 years.

Institutional Capital Placements: Corporate and non individual fixed deposits are standardized by the treasury, maintaining a flat rate of 2.75% per annum for all commitments lasting 1 year and above.

Alternative Liquidity Management Portfolios: For active retail and commercial balances, standard Call Deposits offer returns capped up to 1.00% per annum. Individuals can access the Money Maximizer call account which delivers a steady 1.00% per annum. For the small and medium enterprise segment, the specialized Business Plus Account operating under a Sweep Call Facility offers an adjustable return tier ranging from 0.25% to 1.00% per annum.

Reviewing Savings Account Variations Special Accounts and Minimum Balance Tiers

The updated retail savings model applies a baseline yield across the majority of consumer savings products while conditioning active accounts through specific branch and ownership categories.

The baseline rate applies across all popular retail lines, with specified minimum balance boundaries conditioning account maintenance.

The specialized savings yields and liquid balance parameters include:

Standard Consumer Savings Baseline: A uniform return of 2.75% per annum applies to the vast majority of core consumer savings lines. This yield applies directly to the Normal Saving Account, Access Plus Saving Account, Kiddy Bank Saving Account, Women Savings Account, Shareholder Account, Senior Citizen Account, Payroll Plus Account, Amulya Bachat Khata, and Special Saving Account.

Remittance Savings Track: To support inbound migrant worker capital, the specialized Remittance Saving Account offers an elevated return tier set at 3.75% per annum.

Branch Specific Minimum Balance Boundaries: For the Normal Saving Account, a minimum balance of 10000 NPR is mandatory across all Kathmandu Valley branches as well as the Biratnagar, Pokhara, Narayangarh, and Birgunj branch locations. For all alternative branches located outside the Kathmandu Valley, the minimum balance requirement drops to 5000 NPR.

Account Specific Minimum Balance Guidelines: The minimum entry balance threshold is set at 1000 NPR for the Access Plus and Senior Citizen lines, 5000 NPR for the Kiddy Bank and Shareholder lines, 25000 NPR for the Women Savings line, 100000 NPR for the Amulya Bachat Khata, and 300000 NPR for the Special Saving Account. The Payroll Plus Account operates with no minimum balance requirement listed, while account balances in excess of these indicated minimum thresholds are required for withdrawal eligibility.

Foreign Currency Savings Accounts: Everyday transactional foreign currency accounts denominated in US Dollars or Great Britain Pounds yield a base return of 0.25% per annum. Foreign currency fixed deposits up to 1 year for US Dollars, Great Britain Pounds, and all other international currencies remain linked directly to fluctuating international benchmark rates.

Evaluating Commercial Lending Premiums Base Rate Adjustments and Credit Penalties

On the credit side of the balance sheet, floating rate commercial and retail loans are priced using custom premium additions over the primary base rate of the bank, which stands at 4.23% as of Baisakh 2083.

The average base rate across Falgun 2082, Chaitra 2082, and Baisakh 2083 is established at 4.29%, while the net interest spread is maintained at 3.88% in accordance with regulatory directives.

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

Standard Working Capital Facilities: Short Term Loans carry a premium addition ranging between 2.00% and 2.50%. Standard Cash Credit lines, Import Loans under Trust Receipt guidelines, Import Invoice Financing, and Vendor Pre-pay receivable purchase programs all apply a premium spread running from 2.00% to 3.00%.

Trade Finance and Small Business Credit: Bills Purchase and Credit Bills Negotiated lines utilize a premium spread from 1.50% to 3.00%. Export, Pre-shipment, and Post-shipment financing facilities run with a premium of 2.00% to 2.50%. Secured Small Business Loans apply a premium addition from 2.00% to 3.00%.

Specified Sector Lending Enhancements: Under targeted Specified Sector Lending directives from Nepal Rastra Bank, working capital facilities enjoy lower risk premiums, running from 1.00% to 2.50% for general SSL working capital, and 1.00% to 3.00% for secured Small Business Loans under SSL.

Variable Rate Term Obligations: Long term variable rate term loans apply a premium addition running from 2.00% to 3.50% over the base rate, while secured variable rate Small Business Loans carry a premium between 1.50% and 3.00%. Variable rate term loans for Specified Sector Lending use an added premium from 1.00% to 2.50%, matching the variable rate Small Business Loans under the same SSL framework.

Specialized Institutional and Retail Credit Lines: Credit facilities extended to Multinational Companies, as well as loans backed by SBLC, Bank Guarantees, or Government Bonds, carry a premium between 2.00% and 2.50%. LCY financing secured against a client’s own FCY deposit applies a flat 2.00% premium over the base rate. Deprived Sector Loans and specialized micro-enterprise financing are priced concessions running down to 2.00% below the base rate.

Fixed Rate Retail Loan Structures and Collateralized Funding Agreements

For individual borrowers seeking stable, long-term repayment terms, the bank provides dedicated fixed interest rate paths for mortgage, term, and personal loan portfolios.

These structures give individual retail clients absolute clarity on funding costs over defined multi year cycles.

The fixed annual interest rate options and asset collateral agreements include:

• Fixed Commercial Term Loans: Non-SSL fixed rate term loans are set at 7.00% for tenures up to 5 years, 7.50% for tenures up to 7 years, and drop to 6.00% for tenures up to 10 years. For Specified Sector Lending, fixed term loans operate at 6.50% up to 5 years, 7.00% up to 7 years, and 7.50% up to 10 years.
• Fixed Retail Home and Personal Financing: Fixed rate Home Loans up to 10 years are set at 8.50% per annum, while durations extending above 10 years carry a fixed rate of 8.75%. Fixed rate Personal Loans for durations up to 5 years carry an annual cost of 9.25%. Variable tracks for Home Loans apply a premium of 2.00% to 3.50%, while variable Personal Loans carry a premium of 4.00% to 4.50% over the base rate.
• Promotional Mortgage Rate Special: The bank features a special limited period mortgage loan campaign locking in a fixed interest rate of 5.99% for the first 7 years, transitioning to a variable pricing model of Base Rate plus a 1.50% premium addition thereafter.
• Loans Secured by Bank Fixed Deposits: Financing backed by a client’s own Fixed Deposit is priced at the higher alternative between Base Rate plus a 2.00% premium or the original coupon rate plus a 2.00% premium addition. Financing secured against Fixed Deposits held at other external commercial banking institutions will be priced at the higher alternative between Base Rate plus a 4.00% premium or the original underlying asset coupon rate.

The credit management board clarifies that interest structures applied to massive Consortium Lending operations will be determined entirely by the decision of the consortium lenders, subject to the underlying base rate limitations of the bank. All US Dollar denominated foreign currency credit facilities will continue to be issued and monitored in strict alignment with current central bank guidelines.

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

For More: Standard Chartered Interest Rates