Mahalaxmi Bikas Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

14th June 2026, Kathmandu

Mahalaxmi Bikas Bank Limited has officially updated its interest rate structures across all local currency savings, recurring tracks, fixed term placements, and diverse corporate and retail credit portfolios.

Mahalaxmi Bank Interest Rates

The newly announced rates take effect on June 15 2026, marking the 1st day of Asadh 2083 in the local calendar. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured premium choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings Deposit Portfolio Tiers

Local savings lines are categorized by demographic target groups, with distinct interest posting intervals and minimum balance rules assigned across specialty tracks.

• Mahalaxmi Remittance Bachat Account: 3.80 percent per annum with a 100 NPR minimum balance and quarterly interest distribution
• Mahalaxmi Sambriddhi Bachat Account: 2.80 percent per annum with a 100 NPR minimum balance and quarterly interest distribution
• Staff Salary Account: 2.80 percent per annum with no minimum balance required and quarterly interest distribution
• Mahalaxmi Dollar Account Saving or Fixed Track: 2.80 percent per annum with no minimum balance required and quarterly interest distribution
• Mahalaxmi PMS Khata: 2.75 percent per annum with monthly interest distribution
• Mahalaxmi Karmachari Bachat Khata: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Investor’s Share Saving Account All in One: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Grihalaxmi Bachat Track: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Student Saving Account: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Jestha Nagarik Bachat Track: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Baal Bachat Khata: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Bhukampa Pidit Account: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Samajik Surakshya Account: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Online Saving Line: 2.75 percent per annum with quarterly interest distribution
• Margin Locker Account Track: 2.75 percent per annum with quarterly interest distribution
• Mahalaxmi Normal Saving Account: 2.75 percent per annum with a 51 NPR minimum balance and quarterly interest distribution

Specialized Recurring Deposit Track Yields

Targeted installment plans yield a uniform return with payouts made on a standard quarterly timetable.

• Mahalaxmi Kramik Bachat Khata: 3.00 percent per annum with quarterly interest distribution
• Mahalaxmi Baal Bachat Recurring Deposit Account: 3.00 percent per annum with quarterly interest distribution

Individual Fixed Deposit In Person Investment Tiers

Individual fixed funds booked over the counter at physical branch locations are scaled by time horizon, requiring a minimum placement of 10,000 NPR.

• In Person Individual Fixed Deposits 1 Year to below 2 Years: 3.00 percent per annum
• In Person Individual Fixed Deposits 2 Years to below 3 Years: 3.50 percent per annum
• In Person Individual Fixed Deposits 3 Years to below 5 Years: 4.00 percent per annum
• In Person Individual Fixed Deposits 5 Years and Above: 4.95 percent per annum

Individual Fixed Deposit Digital App Investment Tiers

Individual savers booking funds electronically via the Mahalaxmi Smart Sathi Mobile App receive a premium incentive rate across short and medium tenures.

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• Digital Mobile App Individual Fixed Deposits 1 Year to below 2 Years: 3.25 percent per annum
• Digital Mobile App Individual Fixed Deposits 2 Years to below 3 Years: 3.75 percent per annum
• Digital Mobile App Individual Fixed Deposits 3 Years to below 5 Years: 4.25 percent per annum

Institutional Fixed Deposit Investment Tiers

Corporate institutional placements follow a flat tier structure, limited to a maximum tenure of 10 years with a 10,000 NPR minimum investment.

• Institutional Fixed Deposits 1 Year to below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits 2 Years to below 3 Years: 3.00 percent per annum
• Institutional Fixed Deposits 3 Years to below 5 Years: 3.50 percent per annum
• Institutional Fixed Deposits 5 Years and Above: 4.80 percent per annum
• Akshaya Kosh Trust Fund Placements: Open for independent negotiation

Floating Credit Portfolios and Maximum Premium Spreads

Floating rate credit products carry a uniform maximum risk premium spread applied on top of the operational base rate, which stands at 5.68 percent per annum for Baisakh 2083.

• Business Overdraft Facilities: Up to 3.75 percent premium spread over the base rate
• Industrial Overdraft Facilities: Up to 3.75 percent premium spread over the base rate
• Working Capital Corporate Financing: Up to 3.75 percent premium spread over the base rate
• Short Term Loan Credit Tracks: Up to 3.75 percent premium spread over the base rate
• Business or Industrial Term Loans: Up to 3.75 percent premium spread over the base rate
• Mahalaxmi Udhyamshil Karja Enterprise Lines: Up to 3.75 percent premium spread over the base rate
• Other General Business Loan Tracks: Up to 3.75 percent premium spread over the base rate
• Retail Auto Loan Financing: Up to 3.75 percent premium spread over the base rate
• Hire Purchase Commercial Vehicle Financing: Up to 3.75 percent premium spread over the base rate
• Higher Education Loan Packages: Up to 3.75 percent premium spread over the base rate
• Residential Home Loan Packages: Up to 3.75 percent premium spread over the base rate
• Secured Gold and Silver Asset Loans: Up to 3.75 percent premium spread over the base rate
• Margin Lending or Loans Against Shares: Up to 3.75 percent premium spread over the base rate
• Deprived Sector Loan Individual Retail Tracks: Up to 3.75 percent premium spread over the base rate
• Agriculture Sector Term or Overdraft Financing: Up to 3.75 percent premium spread over the base rate
• Personal Loan Term or Overdraft Tracks: Up to 3.75 percent premium spread over the base rate
• Home Equity Consumer Loan Lines: Up to 3.75 percent premium spread over the base rate
• Other Standard Miscellaneous Retail Loans: Up to 3.75 percent premium spread over the base rate

Policy Exceptions and Asset Backed Financing Spreads

Financing secured against personal bank investments or corporate group frameworks follows alternative pricing rules.

• Loans Secured by Own Fixed Deposit Receipts: Underlying coupon rate plus 2.00 percent premium spread
• Loans Secured by Government Securities and National Bonds: Underlying coupon rate plus 2.00 percent premium spread
• Loans Secured by Central Bank Securities: Underlying coupon rate plus 2.00 percent premium spread
• Institutional Deprived Sector Credit wholesale lines: Open for independent corporate negotiation
• Consortium Corporate Loan Operations: Pricing determined independently as per the participating consortium member agreement

Fixed Interest Rate Options for Retail and SME Borrowers

Individual retail borrowers and small businesses can access long term fixed rate tracks to insulate monthly cash flows from base rate adjustments.

• Residential Home Loans Fixed for a 7 Year Horizon: 6.99 percent per annum fixed rate
• SME Revolving Loan Enterprise Track: 6.99 percent per annum fixed rate
• Private Auto Loans with a Chosen Tenure up to 5 Years: 7.49 percent per annum fixed rate
• Private Auto Loans with a Chosen Tenure up to 7 Years: 7.99 percent per annum fixed rate

Operational Cost Metrics, Risk Regulations, and General Policies

Operational reference standards and risk penalties ensure full alignment with active central bank monitoring policies.

• Base Rate for Baisakh 2083 baseline metric: 5.68 percent per annum
• Average Base Rate rolling three month average: 5.77 percent per annum
• Interest Rate Spread local currency benchmark: 4.20 percent per annum
• Overdue Asset Risk Penalty: Charged dynamically according to active central bank circulars
• Call Deposit Return Thresholds: Calibrated in strict alignment with Nepal Rastra Bank guidelines
• Lending Tenure Rate Flexibility: Long term personal loan clients holding tenures past 1 year can choose freely between floating premium rates and fixed interest terms

For More: Mahalaxmi Bank Interest Rates