Rastriya Banijya Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

Rastriya Banijya 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.

RBB Updates Interest Rates

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.

• RBB Remittance Bachat Khata with 1,000 NPR minimum balance: 4.00 percent per annum
• Sadharan Bachat Khata with 1,000 NPR minimum balance: 3.00 percent per annum
• RBB Staff Salary Account with zero minimum balance: 3.00 percent per annum
• RBB Ex-Staff Saving Account with zero minimum balance: 3.00 percent per annum
• RBB Mitra Bachat Khata: 3.00 percent per annum
• Sunaulo Bachat Khata Specialized Variant: 2.75 percent per annum
• Jestha Nagarik Bachat Specialized Variant: 2.75 percent per annum
• RBB Nari Bachat Khata: 2.50 percent per annum
• RBB Baal Bachat Khata: 2.50 percent per annum
• RBB Student Saving Account: 2.50 percent per annum
• Karmachari Bachat Khata: 2.50 percent per annum
• Surakshit Bachat Khata: 2.50 percent per annum
• Lok Kalyan Bachat Khata: 2.50 percent per annum
• RBB Diamond Saving Track: 2.50 percent per annum
• Samajik Surakshya Account: 2.50 percent per annum
• Maha Bachat Khata: 2.50 percent per annum
• Specialized Institutional Savings Schemes: 2.25 percent per annum

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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• Individual Fixed Deposits from 3 Months to below 6 Months: 3.25 percent per annum
• Individual Fixed Deposits from 6 Months to below 1 Year: 3.75 percent per annum
• Individual Fixed Deposits from 1 Year 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
• Institutional Fixed Deposits from 6 Months to below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits lasting 2 Years and Above: 3.00 percent per annum
• Remittance Funded Fixed Deposits lasting above 3 Months up to 2 Years and beyond: 5.00 percent per annum flat rate

Foreign Currency Deposit Options and Yields

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

• US Dollar Saving Deposits: 2.50 percent per annum
• Euro Saving Deposits: 1.50 percent per annum
• Great British Pound Saving Deposits: 1.50 percent per annum
• US Dollar Liquid Call Placements: Capped up to 1.00 percent per annum
• Euro Liquid Call Placements: Capped up to 0.50 percent per annum
• Great British Pound Liquid Call Placements: Capped up to 0.50 percent per annum
• Foreign Currency Fixed Deposits 3 Months and Above across USD, EUR, and GBP: 3.00 percent per annum flat rate

Individual and Corporate Floating Rate Loan Portfolios

Floating rate credit facilities are calculated by adding a designated premium margin on top of the operational base rate, which stands at 5.56 percent per annum.

• RBB SME Business Loans: Base rate plus a premium spread from 1.00 percent to 2.50 percent
• Working Capital Cash Credit Lines: Base rate plus a premium spread from 1.50 percent to 3.00 percent
• Commercial Demand Loans: Base rate plus a premium spread from 1.00 percent to 2.25 percent
• Commercial Pledge Loans: Base rate plus a premium spread from 1.00 percent to 2.25 percent
• Personal Term Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• Personal Overdraft Lines Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• Manufacturing Project Term Loans: Base rate plus a premium spread from 1.00 percent to 2.75 percent
• Trading Project Term Loans: Base rate plus a premium spread from 1.00 percent to 2.75 percent
• Residential Mortgage Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 4.00 percent
• Retail Hire Purchase Facilities: Base rate plus a premium spread from 1.00 percent to 2.50 percent
• Retail Auto Loans Floating Track: Base rate plus a premium spread from 1.00 percent to 2.50 percent
• Housing Loans with a Tenure up to 15 Years: Base rate plus a premium spread from 1.00 percent to 2.50 percent
• Subsidized Priority Agriculture Loans: Base rate up to a premium spread of 2.00 percent

Fixed Interest 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.

• Standard Home Loans up to 7 Years Maturity: 8.75 percent per annum
• Standard Apartment Loans up to 7 Years Maturity: 8.75 percent per annum
• Standard Home Loans from 7 to 10 Years Maturity: 9.25 percent per annum
• Standard Apartment Loans from 7 to 10 Years Maturity: 9.25 percent per annum
• Standard Home Loans extending above 10 Years Maturity: 9.50 percent per annum
• Standard Apartment Loans extending above 10 Years Maturity: 9.50 percent per annum
• Your Own Home Loan Packages up to 7 Years Maturity: 8.25 percent per annum
• Your Own Home Loan Packages from 7 to 10 Years Maturity: 8.50 percent per annum
• Your Own Home Loan Packages extending above 10 Years Maturity: 9.00 percent per annum
• Retail Auto Loans up to 7 Years Maturity: 8.50 percent per annum
• Vehicle Financing Lines up to 7 Years Maturity: 8.50 percent per annum
• Personal Term Loans up to 7 Years Maturity: 9.00 percent per annum
• Professional Loans up to 7 Years Maturity: 9.00 percent per annum
• Personal Term Loans from 7 to 10 Years Maturity: 9.50 percent per annum
• Professional Loans from 7 to 10 Years Maturity: 9.50 percent per annum
• Higher Education Loans up to 7 Years Maturity: 9.00 percent per annum
• Higher Education Loans up to 10 Years Maturity: 9.50 percent per annum
• Fixed Rate Mortgage Loans up to 7 Years Maturity: 9.50 percent per annum
• Fixed Rate Mortgage Loans up to 10 Years Maturity: 10.00 percent per annum

Core Policy Rules and Operational Guidelines

Operational reference standards, special account penalties, and regulatory incentives ensure full compliance with active central banking frameworks.

• Base Rate baseline metric: 5.56 percent per annum
• Interest Rate Spread benchmark: 3.98 percent per annum
• Remittance Sourced Premium Multipliers: Remittance funded savings and fixed deposit accounts automatically qualify for an additional 1 percent premium interest rate over standard individual rates
• Low Balance Account Fee Adjustments: Regular savings accounts holding balances below the designated minimum threshold will be subject to nominal service fee adjustments
• Floating Rate Revision Baseline: Floating lending rates are automatically adjusted based on monthly movements of the bank base rate
• Regulatory Compliance Mandate: Central bank rules strictly govern all penalized credit categories and special interest subsidy packages

For More: RBB Updates Interest Rates