Lumbini Bikas Bank Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083

16th July 2026, Kathmandu

Lumbini Bikas Bank Limited has announced its revised annual deposit and loan interest rates, effective Shrawan 1, 2083, which corresponds to July 17, 2026.

Lumbini Bank Interest Rate Revision

The updated rate schedule covers an expansive range of savings portfolios, multi-tenure fixed deposits, foreign currency options, call accounts, and flexible lending packages.

The bank stated that the new interest rate framework is designed to align with current market liquidity conditions, provide balanced returns to depositors, and maintain a sustainable pricing model for borrowing clients across the country.

KEY HIGHLIGHTS OF LUMBINI BIKAS BANK INTEREST REVISION

The shifting financial dynamics reflect structured asset liability management within the development banking sector of Nepal. The financial institution continues to manage its fund costs efficiently while offering tailored returns to diverse consumer segments.

The new interest rate schedules detail varied percentages per annum, focusing on domestic savings categories, multi-tiered fixed deposits, and specific lending premiums:

LOCAL CURRENCY SAVINGS AND CALL DEPOSIT RATES

Lumbini Bikas Bank Limited has updated returns for local currency savers. The yields and minimum balance parameters for individual savings schemes are defined below:

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• Remittance Bachat Khata provides the highest standard local currency savings yield at 3.90 percent per annum with a zero minimum balance requirement.
• Sahayatra Bachat Khata features a quarterly interest posting frequency and yields 2.90 percent per annum with a minimum balance requirement of 10,000 NPR.
• Normal Saving, Check-In Saving, Premium Saving, Nari Bachat Khata, Bal Surakshya Bachat, Senior Citizen Saving, Shareholder’s Saving, Welcome Account, Locker Deposit, Provident Fund Other, Sadharan Bachat, Bal Bhawishya Yojana, Lumbini Talab Khata, and Samajik Surakshya Bachat all provide an annual yield of 2.75 percent.
• Minimum balance parameters vary by account type, such as 5,000 NPR for Premium Saving, 1,000 NPR for Senior Citizen Saving, 100 NPR for Normal Saving, Nari Bachat Khata, Bal Surakshya Bachat, Shareholder’s Saving, Welcome Account, Bal Bhawishya Yojana, and zero balance for Check-In Saving, Locker Deposit, Provident Fund Other, Sadharan Bachat, Lumbini Talab Khata, and Samajik Surakshya Bachat.

Additionally, local currency call deposit accounts yield up to 1.37 percent per annum.

DOMESTIC FIXED, RECURRING, AND FOREIGN CURRENCY DEPOSITS

The bank has structured explicit maturity timelines for individual, institutional, and foreign currency deposit products with competitive interest allocations and options for quarterly or maturity interest posting frequencies:

• For standard individual fixed deposits, a tenure of up to 1 year offers 2.90 percent per annum. Individual tenures from above 1 to 3 years provide a 3.00 percent annual yield, above 3 years to 5 years provide 3.50 percent, and tenures above 5 years offer a maximum return of 4.60 percent. All individual fixed deposit brackets carry a minimum balance of 10,000 NPR.
• Individual Remittance Fixed Deposits up to 1 year offer an incentivized return of 3.90 percent per annum.
• For non-individual institutional fixed deposits, the bank offers 2.75 percent per annum for tenures from above 1 year to 2 years, and 3.00 percent per annum for tenures above 2 years.
• Recurring deposits yield 2.75 percent per annum and carry minimum deposit tiers of 1,000 NPR, 3,000 NPR, or 5,000 NPR depending on options like 3, 4, or 5 years. Fixed deposits for Akshyaya Kosh Khata remain negotiable.
• For foreign currency individual deposits, accounts in US Dollar, Great Britain Pound, and Euro all pay a flat return of 1.00 percent per annum with a minimum balance requirement of 50 USD, GBP, or EUR.

LOANS AND ADVANCES PRICING PLANS

Borrowing facilities are split into flexible floating options linked directly to the base rate and stable fixed interest rate models for various personal, business, and retail portfolios:

• Floating interest rates are calculated by adding an applicable premium over the bank’s base rate. A wide array of credit products carry a premium band of Base Rate plus up to 4.00 percent, including Agro Plus Loans, Auto Loans up to 3 years, Hire Purchase Loans, Business Plus Loans, Education Loans, Foreign Employment Loans, Personal Loans, Real Estate Loans, Margin Lending Loans, Swarna Karja Gold Loans, and Two Wheeler Loans.
• Auto Loans and Hire Purchase Loans above 3 years to 5 years carry a floating premium of Base Rate plus 1.50 percent to 4.00 percent, while tenures above 5 years carry the same band. Comfort Loans offer a floating premium of Base Rate plus 0.00 percent to 4.00 percent. Home Loans carry a premium between 1.00 percent and 4.00 percent, and Professional Loans feature a premium between 2.00 percent and 4.00 percent.
• Fixed lending rate tracks provide structural long term security for retail consumers across uniform pricing lines. Home Loans, Personal Term Loans, Comfort Loans, Education Loans, Two Wheeler Loans, and Auto Loans are all locked flat at 11.00 percent per annum for tenures up to 5 years, and 11.50 percent per annum for tenures stretching above 5 years.

STRATEGIC MARGIN MANAGEMENT AND REGULATORY PROVISIONS

The latest financial publication from Lumbini Bikas Bank Limited establishes its 3 months average base rate as of Jestha End 2083 at 5.61 percent. The bank specified that premium loan interest rates will be managed in strict compliance with the national rules enforced by Nepal Rastra Bank under its prevailing unified guidelines.

A primary highlight of the bank’s updated credit strategy is its active focus on sustainable green financing and targeted priority sector deployment. The bank has declared its LBBL Green Loan facility at a significantly low floating premium of Base Rate plus up to 2.00 percent. Similarly, Deprived Sector wholesale loans are priced efficiently at a premium of Base Rate plus up to 2.00 percent, while standard Deprived Sector retail loans carry a premium of Base Rate plus up to 4.00 percent. Following central bank directives, a dedicated pricing structure of base rate plus 2 percent is maintained for deprived sector and agriculture loans up to 15 Lakhs.

By keeping precise floating premiums alongside predictable fixed consumer lending tracks, the bank balances commercial risk mitigation with consumer accessibility. Loans against fixed deposit receipts, national saving bonds, or debentures are offered at up to 2 percent above the asset’s respective coupon rate, ensuring the financing stays securely collateralized. While consortium lending interest rates will be guided entirely by consortium decisions, the bank has set a clear penal interest provision stating that in case of watch list or other degraded exposures, an additional 2 percent premium may be charged on the account. This systematic approach allows the bank to keep its baseline funding costs manageable while channelling resource pools into sustainable community development projects in Nepal.

For More: Lumbini Bank Interest Rate Revision