Laxmi Sunrise Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

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

Laxmi Sunrise Interest Rates

The newly announced rates take effect on June 15 2026. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings and Deposit Account Tiers

Local currency savings products offer varying yields based on target account classifications, with interest calculated regularly for eligible account holders.

• Basic Savings Accounts: 2.75 percent per annum
• Payroll Savings Accounts: 2.75 percent per annum
• Premium Savings Accounts: 2.80 percent per annum
• Remittance Savings Accounts: 3.80 percent per annum

Local Currency Term Deposits and Recurring Options

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

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• Personal Term Deposits from 3 Months to below 6 Months: 2.80 percent per annum
• Personal Term Deposits from 6 Months to below 1 Year: 2.90 percent per annum
• Personal Term Deposits from 1 Year to below 2 Years: 3.00 percent per annum
• Personal Term Deposits from 2 Years to below 5 Years: 3.50 percent per annum
• Personal Term Deposits lasting 5 Years and Above: 4.00 percent per annum
• Personal Recurring Deposits up to 5 Years: 3.50 percent per annum
• Personal Remittance Term Deposits from 3 Months to below 6 Months: 3.80 percent per annum
• Personal Remittance Term Deposits from 6 Months to below 1 Year: 3.90 percent per annum
• Personal Remittance Term Deposits from 1 Year to below 2 Years: 4.00 percent per annum
• Personal Remittance Term Deposits from 2 Years to below 5 Years: 4.50 percent per annum
• Personal Remittance Term Deposits lasting 5 Years and Above: 5.00 percent per annum
• Institutional Term Deposits from 6 Months to below 1 Year: 2.75 percent per annum
• Institutional Term Deposits from 1 Year to below 2 Years: 2.75 percent per annum
• Institutional Term Deposits from 2 Years to below 5 Years: 3.00 percent per annum
• Institutional Term Deposits lasting 5 Years and Above: 3.25 percent per annum

Foreign Currency Deposit Options and Yields

International currency lines support global trading accounts and general asset management across US Dollars, Euros, Great British Pounds, and Australian Dollars.

• US Dollar Saving Deposits: 2.25 percent per annum
• US Dollar Individual and Institutional Term Deposits below 1 Year: 2.75 percent per annum
• US Dollar Individual and Institutional Term Deposits from 1 Year to below 2 Years: 3.00 percent per annum
• US Dollar Individual and Institutional Term Deposits lasting 2 Years and Above: 3.25 percent per annum
• Euro Saving Deposits: 1.25 percent per annum
• Euro Individual Term Deposits: 3.00 percent per annum
• Euro Institutional Term Deposits: 2.00 percent per annum
• Great British Pound Saving Deposits: 1.25 percent per annum
• Great British Pound Individual Term Deposits: 3.00 percent per annum
• Great British Pound Institutional Term Deposits: 2.00 percent per annum
• Australian Dollar Saving Deposits: 1.25 percent per annum
• Australian Dollar Individual Term Deposits: 3.00 percent per annum
• Australian Dollar Institutional Term Deposits: 2.00 percent per annum

Retail Credit Lines and Fixed Rate Packages

Individual consumer lines and retail term investments offer stable fixed financing parameters to insulate borrowers from market variations.

• Fixed Rate Retail Financing Band: 7.99 percent to 11.99 percent per annum
• Eligible Credit Lines under Fixed Pricing: Residential Home Loans, Home Equity Loans, Higher Education Loans, Retail Auto Loans, Personal Loans, and generic Term Loans up to a maximum tenure of 15 years

Core Policy Rules and Operational Benchmarks

Operational reference standards, special account schedules, and regulatory limits ensure full compliance with active retail banking frameworks.

• Average Base Rate baseline calculation across Falgun, Chaitra 2082, and Baisakh 2083: 5.22 percent per annum
• Local Currency Spread Rate benchmark for Baisakh 2083: 3.30 percent per annum
• Interest Payout Schedule: Interest on call and savings accounts is calculated on a daily basis and distributed on a quarterly timeline, while interest earnings on fixed deposits can be paid out monthly
• Call Account Maximum Ceiling Pricing: Interest rates on call accounts are completely negotiable up to a maximum ceiling of 50 percent of the lowest saving rate of the respective currency
• Market Condition Mandate: All published rates and accounts remain subject to general market conditions and systemic changes

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