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

15th June 2026, Kathmandu

Muktinath Bikas 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.

Muktinath Bank Interest Rate

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashad 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 Deposit Account Tiers

Local currency savings products offer varying yields based on target account classifications, complemented by flexible minimum balance requirements.

• Muktinath Aashirwad Bachat Gold account for existing customers only: 3.00 percent per annum
• Muktinath Aashirwad Bachat Platinum account for existing customers only: 3.00 percent per annum
• Muktinath Sambriddhi Remit IPO Bachat Khata: 4.00 percent per annum
• All other Savings accounts standard tier: 2.75 percent per annum
• Current Accounts: 0.00 percent per annum
• Local Currency Call Deposits: Up to 1.35 percent per annum and completely negotiable based on active market adjustments

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split across individual, institutional, and specialized tracking pathways over defined maturity blocks.

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• Individual Fixed Deposits for 3 Months: 2.75 percent per annum
• Individual Fixed Deposits for 6 Months: 2.75 percent per annum
• Individual Fixed Deposits for 1 Year: 2.75 percent per annum
• Individual Fixed Deposits for 2 Years: 3.00 percent per annum
• Individual Fixed Deposits for 3 Years: 3.75 percent per annum
• Individual Fixed Deposits for 4 Years: 3.75 percent per annum
• Individual Fixed Deposits for 5 Years: 3.75 percent per annum
• Individual Fixed Deposits from above 5 Years to 10 Years: 4.66 percent per annum
• Remittance Fixed Deposits for 3 Months: 3.75 percent per annum
• Remittance Fixed Deposits for 6 Months: 3.75 percent per annum
• Remittance Fixed Deposits for 1 Year: 3.75 percent per annum
• Remittance Fixed Deposits for 2 Years: 4.00 percent per annum
• Institutional Fixed Deposits for 3 Months: 0.00 percent per annum
• Institutional Fixed Deposits for 6 Months: 2.75 percent per annum
• Institutional Fixed Deposits for 1 Year: 2.75 percent per annum
• Institutional Fixed Deposits for 2 Years: 2.80 percent per annum
• Institutional Fixed Deposits for 3 Years: 3.00 percent per annum
• Institutional Fixed Deposits for 4 Years: 3.00 percent per annum
• Institutional Fixed Deposits for 5 Years: 3.00 percent per annum
• Institutional Fixed Deposits from above 5 Years to 10 Years: 3.50 percent per annum
• Akshaya Kosh Institutional Funds: Completely negotiable based on custom placements

Foreign Currency Savings and Fixed Deposit Structures

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

• Foreign Currency Savings Accounts including USD GBP EUR and AUD: Up to 1.35 percent per annum
• Foreign Currency Call Deposit Accounts: Up to 1.35 percent per annum

Corporate and Retail Floating Rate Loan Portfolios

Floating rate credit facilities are determined using the bank base rate plus a designated premium margin percentage ceiling.

• Agriculture Loans Floating Track: Base rate plus a premium spread up to 2.00 percent
• Auto Loans Floating Track: Base rate plus a premium spread up to 2.00 percent
• Bridge Gap Loans Floating Track: Base rate plus a premium spread up to 2.00 percent
• Business Loans Floating Track: Base rate plus a premium spread up to 2.00 percent
• Wholesale Loan Cooperatives Floating Track: Base rate plus a premium spread up to 2.00 percent
• Wholesale Loan MFIs Floating Track: Base rate plus a premium spread up to 2.00 percent
• Share Loans Floating Track: Base rate plus a premium spread from a minimum of 0.50 percent up to 1.50 percent
• Demand Loans Floating Track: Base rate plus a premium spread from a minimum of 1.00 percent up to 3.00 percent
• Flexi Business Loans Floating Track: Base rate plus a premium spread from a minimum of 1.00 percent up to 3.00 percent
• Real Estate Loans Floating Track: Base rate plus a premium spread from a minimum of 1.00 percent up to 3.00 percent
• Term Mortgage Loans Floating Track: Base rate plus a premium spread from a minimum of 1.00 percent up to 3.00 percent
• Home Equity Loans Floating Track: Base rate plus a premium spread from a minimum of 0.40 percent up to 2.40 percent
• Housing Loans Floating Track: Base rate plus a premium spread from a minimum of 0.40 percent up to 2.40 percent
• Real Estate Overdraft Lines: Base rate plus a premium spread from a minimum of 1.50 percent up to 3.50 percent
• Education Loans Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Gold Loans Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Hire Purchase Loans Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Personal Term Loans Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Sambridhi Business Karja Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Short Term Business Loans Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Shulav Baywasaya Karja Floating Track: Base rate plus a premium spread from a minimum of 2.00 percent up to 4.00 percent
• Personal Overdraft Loans Floating Track: Base rate plus a premium spread from a minimum of 2.50 percent up to 4.50 percent
• Small Enterprise Loans Floating Track: Base rate plus a premium spread from a minimum of 2.50 percent up to 4.50 percent
• All Other Small Banking Products Floating Track: Base rate plus a premium spread from a minimum of 2.50 percent up to 4.50 percent
• Micro Enterprise Loans Floating Track: Base rate plus a premium spread from a minimum of 3.00 percent up to 5.00 percent
• General Loans Floating Track: Base rate plus a premium spread from a minimum of 3.00 percent up to 5.00 percent
• Professional Loans Floating Track: Base rate plus a premium spread from a minimum of 5.00 percent up to 6.00 percent
• Subsidized Loans State Track: Base rate plus a flat premium spread locked at 2.00 percent for both minimum and maximum bounds

Fixed Interest Rate Financing Alternatives

Individual retail borrowers and commercial entities can access guaranteed fixed interest rate ranges across standard maturity blocks to insulate monthly payments from base rate updates.

• Fixed Rate Alternative Products for Tenures up to 5 Years: Annual interest rate ranging from a minimum up to 9.50 percent up to a maximum cap of 11.50 percent
• Fixed Rate Alternative Products for Tenures from above 5 Years to 10 Years: Annual interest rate ranging from a minimum up to 9.75 percent up to a maximum cap of 11.75 percent
• Fixed Rate Alternative Products for Tenures extending above 10 Years: Annual interest rate ranging from a minimum up to 10.00 percent up to a maximum cap of 12.00 percent

Core Policy Rules and Operational Guidelines

Operational reference standards, special risk profiles, and regulatory compliance metrics ensure stability across all client product alignments.

• Average Base Rate baseline metric across the previous 3 Months ending Baisakh 2083: 5.73 percent per annum
• Interest Spread baseline metric computed for the specific month of Baisakh 2083: 4.24 percent per annum
• Savings Interest Calculation Schedule: Interest earnings on local currency savings accounts and flexible call deposits are calculated and paid out on a standard quarterly frequency schedule
• Fixed Interest Calculation Schedule: Monthly or quarterly interest management distributions remain entirely open for selection on all fixed deposit accounts
• Remittance Product Eligibility: Remittance fixed deposit interest accounts remain strictly applicable to individual depositors only
• Forced Loan Interest Penalties: Active defaults triggering forced loans will automatically incur an additional penalty rate of 7.00 percent on top of the default bank base rate baseline
• Consortium Financing Pricing: Interest rate choices for institutional consortium credit lines are decided directly by participating consortium board decisions
• Overdue Loan Penalty Structures: A penal interest assessment of plus 2.00 percent per annum will be applied directly to any overdue principal or loan installment amounts
• Tenure Opening Restrictions: Fixed term deposit placements can only be opened for the specific published tenure options listed inside the primary notice documents

For More: Muktinath Bank Interest Rate