Nepal SBI Bank Updates Interest Rates Across Deposit Products For Shrawan 2083

16th July 2026, Kathmandu

Nepal SBI Bank Limited has released an updated interest rate schedule for its deposit products, effective from July 17, 2026, which corresponds to Shrawan 1, 2083.

SBI Bank Interest Rates Update

The revised rates apply to various deposit accounts and savings schemes, reflecting the banks latest review of deposit pricing and providing customers with updated return benchmarks.

The bank stated that the new provision is part of its ongoing efforts to align with the current market liquidity conditions and regulatory updates in the banking system of Nepal.

KEY HIGHLIGHTS OF NEPAL SBI BANK INTEREST RATE UPDATE

The shifting financial dynamics reflect the current economic scenario and liquidity levels within the national banking system. The adjustment of deposit returns indicates that the lender is striving to manage its fund costs efficiently while remaining competitive.

The new interest rate structures across the different products highlight varied returns on different tenures, focusing on fixed deposits, various local currency saving schemes, and foreign currency choices:

FIXED DEPOSIT RATES FOR INDIVIDUALS AND INSTITUTIONS

Under the new arrangement, the bank has structured distinct interest rates based on the maturity periods for both individual and institutional depositors. For individual depositors, the interest rates for fixed and recurring deposits under the Dhanvriddhi scheme are structured as follows:

• For tenures from 3 months to less than 6 months, the interest rate is set at 2.82 percent.
• For tenures from 6 months to less than 1 year, the interest rate is set at 3.00 percent.
• For tenures from 1 year to less than 2 years, the interest rate is set at 3.20 percent.
• For tenures from 2 years to less than 3 years, the interest rate is set at 3.40 percent.
• For tenures of 3 years and above, the bank offers its highest individual fixed deposit rate of 4.10 percent.

For institutional depositors, including foreign diplomatic institutions, the rate structure remains uniform across most tenures. There is no rate offered for the short term period of 3 months to less than 6 months. For all other tenures, which include 6 months to less than 1 year, 1 year to less than 2 years, 2 years to less than 3 years, and 3 years and above, the institutional interest rate is fixed at 2.75 percent.

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LOCAL CURRENCY SAVING DEPOSIT SCHEMES

Nepal SBI Bank Limited has also updated the returns for its wide range of local currency saving accounts to cater to different segments of customers. The rates for individual savings schemes are defined below:

• Sambriddha Nagarik Bachat Khata and Saral Bachat Khata offer an interest rate of 2.75 percent.
• Savings Swarnim Bachat Khata offers an interest rate of 2.76 percent.
• Savings PF accounts offer an interest rate of 2.77 percent.
• The SB Corporate Salary Package offers an interest rate of 2.77 percent.
• Savings Rakshak Bachat Khata offers an interest rate of 2.78 percent.
• NSBL Baal Bachat Khata and Savings Abakash Kosh both offer an interest rate of 2.79 percent.
• SB Karmachari Bachat Khata and Chhori Bachat Khata provide an interest rate of 2.80 percent.

All other local currency saving accounts have been fixed at an interest rate of 2.80 percent.

Additionally, the interest rate for Nepalese Rupee call deposits is designated up to 0.75 percent.

FOREIGN CURRENCY DEPOSIT OPTIONS

To accommodate international transactions and foreign currency savers, the bank provides competitive rates on foreign currency saving, fixed, and call deposits for currencies like United States Dollar, Euro, and Great Britain Pound.

• For foreign currency saving deposits, the interest rate for United States Dollar is set at 3.00 percent, while both Euro and Great Britain Pound offer 0.50 percent.
• For foreign currency fixed deposits, individual accounts require a minimum tenure of 3 months and institutional accounts require 6 months. The rates go up to 3.60 percent for United States Dollar, and up to 1.00 percent for both Euro and Great Britain Pound.
• For foreign currency call deposits, the return is 1.50 percent for United States Dollar, and 0.25 percent for both Euro and Great Britain Pound.

STRATEGIC ASSET LIABILITY MANAGEMENT AND BASE RATE MOTIVES

The latest financial disclosure from Nepal SBI Bank Limited also highlights essential numbers regarding its lending benchmarks. The last three months average base rate stands at 5.28 percent, while the specific base rate for the month of Jestha 2083 is recorded at 5.19 percent. The interest spread rate for Jestha 2083 is maintained at 3.31 percent. These metrics reflect that the bank is managing a lean spread while keeping its lending options sustainable for borrowing clients across the country.

The adjustments made to the saving and fixed deposit rates are directly connected to these base rate figures. As deposit costs drop or stabilize, the overall base rate lowers, which translates into more affordable loan packages for industrial development, retail financing, home loans, and educational credit lines. This strategy ensures a healthy movement of capital from passive savings into active economic investments, matching the overarching fiscal goals of the central bank.

Furthermore, the detailed differentiation among individual saving accounts shows how the bank targets specific demographics. Specialized schemes like the Chhori Bachat Khata or the NSBL Baal Bachat Khata are designed to promote long term saving habits among families, while options like the Rakshak Bachat Khata look after security personnel. By offering slightly variable rates across these brackets, the bank maintains customer loyalty and ensures steady deposit inflows even during periods of high market liquidity.

For More: SBI Bank Interest Rates Update