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

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15th June 2026, Kathmandu

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

NMB Bank Updates Interest

The newly announced rates take effect on June 15 2026, marking the 1st day of Asar 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 products offer varying yields based on target demographic tiers, complemented by highly liquid short term options.

• NMB Janmabhumi Bachat Khata Remittance Track: 4.01 percent per annum
• NMB Premium Super Talab Khata For Payroll Accounts Only: 3.01 percent per annum
• NMB Go-Green Savings Account: 3.01 percent per annum
• NMB Ujyalo Pariwar Bachat Khata: 3.01 percent per annum
• NMB Ujyalo Pension Bachat Khata: 3.01 percent per annum
• NMB General Payroll Account: 2.76 percent per annum
• NMB Jestha Nagarik Bachat Khata: 2.76 percent per annum
• NMB Mahila Bachat Khata: 2.76 percent per annum
• NMB Karmsth Yuva Savings Account: 2.76 percent per annum
• NMB Student Savings Account: 2.76 percent per annum
• NMB Amulya Bachat Khata: 2.76 percent per annum
• Super Talab Khata For Payroll Accounts Only: 2.76 percent per annum
• Sabalko Sahara Bachat Line: 2.76 percent per annum
• NMB Jeevan Chakra Track: 2.76 percent per annum
• Social Security Savings For Social Security Distribution Account Only: 2.76 percent per annum
• NMB Normal OD Savings: 2.76 percent per annum
• Sulav Muddati Retail Savings Account: 2.76 percent per annum
• NMB Digital Banking Savings Account: 2.76 percent per annum
• All Other Normal Savings Accounts: 2.76 percent per annum
• Liquid Call Deposits: Capped at up to 1.375 percent per annum

Local Currency Fixed Deposit and Recurring Investment Tiers

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

• Individual Fixed Deposits from 3 Months to Below 1 Year: 2.76 percent per annum
• Individual Fixed Deposits from 1 Year to Below 18 Months: 3.25 percent per annum
• Individual Fixed Deposits from 18 Months to Below 2 Years: 4.00 percent per annum
• Individual Fixed Deposits from 2 Years to Below 5 Years: 4.25 percent per annum
• Individual Fixed Deposits lasting 5 Years and Above: 4.75 percent per annum
• Akshaya Fund Placements: 3.25 percent per annum
• Marriayan Muddati 1 Year Track: 3.25 percent per annum
• Saral Muddati Bachat Khata 3 Months Track: 2.76 percent per annum
• NMB Janmabhumi Muddati Khata Remittance Package: Eligible individual remittance fixed deposits receive an additional 1.00 percent premium over standard individual fixed deposit slabs
• Institutional Fixed Deposits from 1 Year to Below 18 Months: 2.75 percent per annum
• Institutional Fixed Deposits from 18 Months to Below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits from 2 Years to Below 5 Years: 3.00 percent per annum
• Institutional Fixed Deposits lasting 5 Years and Above: 4.00 percent per annum
• NMB Mero Kramik Khata Recurring Deposit: Multiples of 1,000.00 NPR receive a 2.75 percent per annum yield

Foreign Currency Savings, Call, and Fixed Deposit Structures

International currency accounts provide stable yields across major global currencies for eligible personal, corporate, or non resident depositors.

• US Dollar Saving Deposits: 2.00 percent per annum
• US Dollar Fixed Deposits 3 months and above: 3.40 percent per annum
• Great British Pound Saving Deposits: 2.50 percent per annum
• Great British Pound Fixed Deposits 3 months and above: 3.00 percent per annum
• Euro Saving Deposits: 1.50 percent per annum
• Euro Fixed Deposits 3 months and above: 2.00 percent per annum
• Canadian Dollar Saving Deposits: 1.50 percent per annum
• Canadian Dollar Fixed Deposits 3 months and above: 2.25 percent per annum
• Australian Dollar Saving Deposits: 2.00 percent per annum
• Australian Dollar Fixed Deposits 3 months and above: 3.00 percent per annum
• Japanese Yen Saving Deposits: 0.50 percent per annum
• Japanese Yen Fixed Deposits 3 months and above: 1.00 percent per annum
• Chinese Yuan Saving Deposits: 1.00 percent per annum
• Chinese Yuan Fixed Deposits 3 months and above: 1.50 percent per annum
• Regular Foreign Currency Call Deposits: Remaining up to the approved benchmark rate

Non Resident Nepali NMB Namaste FCY Fixed Deposit Tracks

Specialized international currency accounts tailored for Non Resident Nepalese carry fixed returns subject to tenure and minimum balance constraints.

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• NRN US Dollar Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent: 3.75 percent per annum
• NRN Great British Pound Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent: 3.00 percent per annum
• NRN Euro Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent: 2.50 percent per annum
• NRN Canadian Dollar Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent: 3.00 percent per annum
• NRN Australian Dollar Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent: 3.00 percent per annum

Corporate and Mid Corporate Loan Premium Scales

Floating rate enterprise financing facilities are calculated by adding a designated premium margin on top of the bank base rate.

• Corporate Working Capital-Term Lines Manufacturing Service and Trading: 0.50 to 2.50 percent premium spread
• Corporate Working Capital-Revolving and Cash Credit All Sectors: 0.25 to 2.25 percent premium spread
• Corporate Working Capital-TR Products All Sectors: 0.15 to 2.15 percent premium spread
• Corporate Term or Hire Purchase Lines Manufacturing Sector: 0.50 to 2.50 percent premium spread
• Corporate Term or Hire Purchase Lines Service Sector: 0.40 to 2.40 percent premium spread
• Corporate Term or Hire Purchase Lines Trading Sector: 1.00 to 3.00 percent premium spread
• Mid Corporate Working Capital-Term Lines All Sectors: 0.50 to 2.50 percent premium spread
• Mid Corporate Working Capital-Revolving Lines All Sectors: 0.50 to 2.50 percent premium spread
• Mid Corporate Working Capital-TR Lines All Sectors: 0.50 to 2.50 percent premium spread
• Mid Corporate Cash Credit Facilities All Sectors: 0.50 to 2.50 percent premium spread
• Mid Corporate Term Loans All Sectors: 0.50 to 2.50 percent premium spread

SME, Project Finance, and Energy Premium Bands

Industrial project lines and commercial small business financing utilize structured variable spreads mapped across specific economic sub sectors.

• SME or MSME Working Capital-Term Lines Manufacturing Service and Trading: 1.00 to 3.00 percent premium spread
• SME or MSME Working Capital-Revolving Lines Manufacturing Service and Trading: 1.00 to 3.00 percent premium spread
• SME or MSME Cash Credit Lines Manufacturing Service and Trading: 1.00 to 3.00 percent premium spread
• SME or MSME Term Loans Manufacturing Service and Trading: 1.00 to 3.00 percent premium spread
• Project Finance Working Capital-Term Lines Manufacturing: 0.50 to 2.50 percent premium spread
• Project Finance Working Capital-TR Lines Manufacturing: 0.50 to 2.50 percent premium spread
• Project Finance Term Loans Manufacturing: 0.50 to 2.50 percent premium spread
• Project Finance Working Capital-Revolving Lines Manufacturing: 0.25 to 2.25 percent premium spread
• Project Finance Service and Healthcare Operations All Lines: 0.50 to 2.50 percent premium spread
• Project Finance Tourism and Hospitality Lines All Lines: 0.25 to 2.25 percent premium spread
• Energy Financing Manufacturing Energy Lines All Standard Tracks: 1.00 to 3.00 percent premium spread
• Energy Financing Power Generation Working Capital-Revolving and Cash Credit: 0.25 to 2.25 percent premium spread
• Energy Financing Power Generation Bridge Gap Term-Hydro and Term-Utility Scale Solar: 0.25 to 2.25 percent premium spread
• Energy Financing Power Generation Term-Roof Top Solar Lines: 1.00 to 3.00 percent premium spread
• Energy Financing Trading Energy Lines All Standard Items: 1.00 to 3.00 percent premium spread

Agriculture and Retail Credit Portfolio Pricing

Individual consumer lines and agricultural financing alternatives operate within defined premium brackets.

• Agriculture General Working Capital and Term Loans: 1.00 to 3.00 percent premium spread
• Corporate Agriculture Specialized Credit Lines: 0.00 to 2.00 percent premium spread over the base rate
• Retail Housing Loans Up to 30 Mio and Above 30 Mio: 0.50 to 2.50 percent premium spread
• Retail Auto Loans Personal Use: 0.50 to 2.50 percent premium spread
• Retail Auto Loans Business Use: 1.00 to 3.00 percent premium spread
• Retail Auto Loans Public or Commercial Purpose: 2.00 to 4.00 percent premium spread
• Retail Electric Vehicle Lines Personal or Business Use: 0.50 to 2.50 percent premium spread
• Retail Electric Vehicle Lines Public or Commercial Purpose: 2.00 to 4.00 percent premium spread
• Retail ICE Vehicle Lines: 1.00 to 3.00 percent premium spread
• Retail Land Purchase Loans Up to 10 Mio: 1.00 to 3.00 percent premium spread
• Retail Land Purchase Loans Above 10 Mio: 2.00 to 4.00 percent premium spread
• Retail Loan Against Property Tracks: 2.00 to 4.00 percent premium spread
• Retail Margin Lending Facilities: 0.25 to 2.25 percent premium spread
• NMB Talab Karja Payroll Credit Lines: 2.00 to 4.00 percent premium spread
• Personal Overdraft Accounts: 2.50 to 4.50 percent premium spread
• Other General Retail Loan Formats: 2.50 to 4.50 percent premium spread
• Higher Education Loan Facilities: 2.50 to 4.50 percent premium spread
• Micro Finance Credit Allocations: 0.00 to 2.00 percent premium spread
• Trade Contract Sales Funded Lines: 1.00 to 3.00 percent premium spread

Fixed Rate Term Loans and Project Financing Brackets

Stable fixed interest options are available for long term corporate, retail, and green energy investments to guarantee financial predictability.

• Fixed Project Finance Plans: Base Rate plus 1.50 percent to 3.50 percent fixed margin
• Fixed Energy Financing Plans: Base Rate plus 1.00 percent to 3.00 percent fixed margin
• Fixed Mid Corporate Financing Plans: Base Rate plus 1.75 percent to 3.75 percent fixed margin
• Fixed Roof Top Solar Installation Loans: Base Rate plus 1.25 percent to 3.25 percent fixed margin
• Other Retail Term Loans Up to 5 Years Maturity: 13.00 percent per annum
• Other Retail Term Loans From 5 to 10 Years Maturity: 13.50 percent per annum
• Other Retail Term Loans Extending Above 10 Years Maturity: 14.00 percent per annum
• Fixed Rate Home Loans NMB Sulav Ghar Karja Up to 10 Years: 9.99 percent per annum flat rate under a structured fixed plus floating setup
• Fixed Rate Personal Auto Loans Personal Electric Vehicles Up to 5 Years: 8.89 percent per annum
• Fixed Rate Personal Auto Loans Personal Electric Vehicles From 5 to 7 Years: 8.99 percent per annum

Core Policy Rules and Institutional Guidelines

Operational reference standards, special asset concessions, and regulatory limits ensure compliance with active central banking frameworks.

• Asset Backed Lending secured via Government Securities or Own Fixed Deposit Receipts: Charged at the underlying base rate or coupon rate, whichever represents the higher metric, plus a premium spread up to 2.00 percent
• Consortium Project Financing: Pricing structures are governed entirely by corporate consortium bank decisions
• Subsidized Credit Frameworks: Interest rate subsidy loans operate in strict alignment with current Nepal Rastra Bank guidelines
• Green Housing Loan Concessions: Environmentally friendly housing loans under the green homes track receive an automatic 0.50 percent reduction on the standard interest rate
• Risk Management Limitations: Published premium bands do not apply to accounts categorized as substandard, restructured, or under recovery monitoring
• Benchmark Implementation Policy: All system baseline metrics and benchmarks are executed strictly as directed by the central bank authorities

For More: NMB Bank Updates Interest