Nepal Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

14th June 2026, Kathmandu

Nepal Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed term placements, and diverse corporate and retail credit portfolios.

Nepal Bank Interest Rate

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 and Call Deposit Portfolio Tiers

Local currency savings lines are categorized by target demographic groups, with distinct baseline yields and minimum balance guidelines assigned across active tracks.

• Normal Saving Account: 2.75 percent per annum
• NBL Diamond Saving Track (New Openings Suspended): 2.75 percent per annum
• Women Special Saving Account: 2.75 percent per annum
• Yuva Bachat Khata: 2.75 percent per annum
• Santasi Saving Account: 2.75 percent per annum
• NBL Staff Pension Saving Track: 2.75 percent per annum
• Investor’s Saving Account: 2.75 percent per annum
• Senior Citizens Special Saving Track: 2.75 percent per annum
• Professional’s Saving Account: 2.75 percent per annum
• Pension Payment Saving Line: 2.75 percent per annum
• NBL Special Saving Track: 2.75 percent per annum
• Earthquake Relief Saving Scheme: 2.75 percent per annum
• TU Pension Saving Account: 2.75 percent per annum
• Nari Samman Bachat Khata: 2.75 percent per annum
• Sambriddha Bachat Khata: 2.75 percent per annum
• Nagarik Bachat Khata: 2.75 percent per annum
• Sambriddha Nepal Ashirwar Bachat Khata: 2.75 percent per annum
• Green Saving Account: 2.75 percent per annum
• Chhori Beti Kalyan Bachat Khata: 2.75 percent per annum
• Chhori Suraksya Bachat Khata: 2.75 percent per annum
• Balbalika Bachat Khata: 2.75 percent per annum
• NBL Swasthya Gyan Bachat Khata: 2.75 percent per annum
• NBL Sahayatri Bachat Khata: 2.75 percent per annum
• Social Security Saving Option: 2.75 percent per annum or open for independent negotiation
• NBL Staff Salary Saving Line: 3.00 percent per annum
• Staff Salary Saving Track: 3.00 percent per annum
• NBL Pioneer Saving Deposit Account (New Openings Suspended): 3.00 percent per annum
• NBL Ex Staff Saving Account: 3.00 percent per annum
• Remittance Saving Account: 4.00 percent per annum
• NBL Remittance IPI Saving Track: 4.00 percent per annum
• Normal Call Deposits: 0.40 percent per annum

Specialized Local Currency Recurring and Trust Funds

Targeted contractual savings programs and institutional funds yield specific base returns for eligible program members.

• Samriddha Nari Recurring Deposit: 3.00 percent per annum
• Employee Welfare Account Track: 2.75 percent per annum
• NBL Trust Fund Placements: 2.75 percent per annum
• Akshaya Kosh Trust Schemes: 2.75 percent per annum or open for independent negotiation

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split across individual, institutional, and remittance funding channels over defined maturity blocks.

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• Standard Individual Fixed Deposits from 3 Months to 1 Year: 2.75 percent per annum
• Standard Individual Fixed Deposits above 1 Year up to 2 Years: 3.00 percent per annum
• Standard Individual Fixed Deposits above 2 Years up to 5 Years: 3.50 percent per annum
• Standard Individual Fixed Deposits lasting above 5 Years: 4.25 percent per annum
• Institutional Fixed Deposits from 6 Months to 1 Year: 2.75 percent per annum
• Institutional Fixed Deposits from above 1 Year up to 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits lasting above 2 Years: 3.25 percent per annum
• Remittance Funded Fixed Deposits from 3 Months to 1 Year: 3.75 percent per annum
• Remittance Funded Fixed Deposits from above 1 Year up to 2 Years: 4.00 percent per annum
• Remittance Funded Fixed Deposits from above 2 Years up to 5 Years: 4.50 percent per annum
• Remittance Funded Fixed Deposits lasting above 5 Years: 5.25 percent per annum

Foreign Currency Savings, Call, and Fixed Deposit Structures

International currency lines support global trading accounts and non resident asset management across major reserve assets.

• US Dollar Saving Deposits: 2.75 percent per annum
• Euro Saving Deposits: 1.00 percent per annum
• Great British Pound Saving Deposits: 1.50 percent per annum
• Japanese Yen Saving Deposits: 0.50 percent per annum
• Non Resident Nepalese US Dollar Savings: 2.75 percent per annum
• Non Resident Nepalese Great British Pound Savings: 1.50 percent per annum
• Non Resident Nepalese Australian Dollar Savings: 2.00 percent per annum
• US Dollar Call Deposit Placements: 1.25 percent per annum
• Foreign Currency Fixed Deposits up to 5 Years across USD, GBP, and AUD: 3.25 percent per annum
• Non Resident Nepalese Fixed Deposits up to 5 Years across USD, GBP, and AUD: 3.25 percent per annum

Individual and Corporate Floating Rate Loan Portfolios

Floating rate lines are derived by adding a specific risk premium spread over the bank base rate, which stands at an average of 4.67 percent per annum for the trailing three month block ending Baishakh 2083.

• Export Finance Pre or Post Shipment Credit: Base rate plus a premium spread up to 2.00 percent
• Industrial Working Capital Facility: Base rate plus a premium spread from 0.50 percent to 2.25 percent
• Commercial Working Capital For Trading: Base rate plus a premium spread from 0.50 percent to 2.25 percent
• Sajilo Byabasaya Karja Lines: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Sambriddha Byabasaya Working Capital: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Industrial Business Term Loans: Base rate plus a premium spread from 0.75 percent to 2.75 percent
• Commercial For Trading Business Term Loans: Base rate plus a premium spread from 1.00 percent to 2.75 percent
• Real Estate Housing Plan Term Loans: Base rate plus a premium spread from 1.00 percent to 2.75 percent
• Real Estate Commercial Complex Term Loans: Base rate plus a premium spread from 1.75 percent to 2.75 percent
• Retail Hire Purchase Financing: Base rate plus a premium spread from 1.00 percent to 3.00 percent
• Residential Mortgage Loans: Base rate plus a premium spread from 2.50 percent to 4.50 percent
• Deprived Sector Loans Individual or Institutional: Base rate up to a premium spread of 2.00 percent
• Subsidized Priority Agriculture Loans: Base rate up to a premium spread of 2.00 percent
• Non Subsidized General Agriculture Loans: Base rate plus a flat premium spread of 2.00 percent
• Residential Home Loans with a Tenure up to 5 Years: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Residential Home Loans with a Tenure from 5 Years to 10 Years: Base rate plus a premium spread from 1.00 percent to 2.50 percent
• Residential Home Loans with a Tenure extending above 10 Years: Base rate plus a premium spread from 1.50 percent to 2.50 percent
• Higher Education Loan Schemes: Base rate plus a premium spread from 2.00 percent to 3.50 percent

Fixed Rate Retail Term Loan Products

Individual retail borrowers can access guaranteed fixed interest rates across standard maturities to insulate monthly payments from base rate updates.

• Residential Home Loans with a 5 Year Maturity: 9.99 percent per annum
• Nepalami Home Loans with a 5 Year Maturity: 9.99 percent per annum
• Professional Home Loans with a 5 Year Maturity: 9.99 percent per annum
• Shulav Aawas Karja with a 5 Year Maturity: 9.99 percent per annum
• Residential Home Loans with a 10 Year Maturity: 9.99 percent per annum
• Nepalami Home Loans with a 10 Year Maturity: 9.99 percent per annum
• Professional Home Loans with a 10 Year Maturity: 9.99 percent per annum
• Shulav Aawas Karja with a 10 Year Maturity: 9.99 percent per annum
• Private Auto Loans with a 5 Year Maturity: 9.99 percent per annum
• Nepalami Auto Loans with a 5 Year Maturity: 9.99 percent per annum
• Professional Auto Loans with a 5 Year Maturity: 9.99 percent per annum
• Private Auto Loans with a 7 Year Maturity: 9.95 percent per annum
• Nepalami Auto Loans with a 7 Year Maturity: 9.95 percent per annum
• Professional Auto Loans with a 7 Year Maturity: 9.95 percent per annum
• Electrical Vehicle Financing with a 5 Year Maturity: 9.99 percent per annum
• Personal Term Loans with a 5 Year or 10 Year Maturity: 9.99 percent per annum
• NBL Professional Term Loans with a 5 Year or 10 Year Maturity: 9.99 percent per annum
• NBL Hire Loans with a 5 Year or 10 Year Maturity: 9.99 percent per annum
• Higher Education Loans with a 5 Year or 10 Year Maturity: 9.99 percent per annum
• Sewagrihai Karja with a 5 Year or 10 Year Maturity: 9.99 percent per annum
• Ghaderi Karja Land Financing with a 5 Year or 10 Year Maturity: 9.99 percent per annum

Fixed Rate Commercial Business Term Financing

Commercial enterprises can lock in funding rates for multi year investment horizons up to a a decade long timeline.

• Business Term Loans with a Chosen Maturity up to 10 Years: Capped up to 9.99 percent per annum

Operational Reference Mandates and Policy Guidelines

Operational parameters, risk penalties, and account restrictions are maintained in strict alignment with current regulatory circulars.

• Interest Rate Spread local currency benchmark: 3.67 percent per annum as of Baishakh 2083
• Floating Rate Revision Baseline: Automatically adjusted based on changes to the trailing three month average base rate
• Consortium Project Financing: Pricing structures determined independently by participating consortium bank committee members
• Overdue Balance Penalty Rate: An automatic penal interest charge of plus 2.00 percent per annum applied to all irregular, overdue, or expired accounts
• Watch List Premium Multipliers: Risk premiums up to an additional 2.00 percent per annum can be stacked on designated watch list accounts
• Account Status Directives: New applications and openings for the NBL Diamond Saving and Pioneer Saving Deposit Account tracks remain suspended until further notice

For More: Nepal Bank Interest Rate