Nepal Bank Limited Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083

16th July 2026, Kathmandu

Nepal Bank Limited, the pioneer financial institution of the country, has officially disclosed its updated annual interest rate structure for both deposit products and credit lines.

NBL Announces Interest Rate Revision

This comprehensive rate adjustment comes into effect from Shrawan 1, 2083, which corresponds to July 17, 2026.

The newly published schedules provide clear parameters for local currency savings portfolios, multi-tenure individual and institutional fixed deposits, foreign currency accounts, and an extensive array of floating and fixed-rate lending facilities designed for retail, small business, and corporate borrowers across the nation.

The bank stated that the newly calibrated interest framework aims to align with general market liquidity conditions, address shifts in resource management within the banking sector, and provide sustainable investment yields for savers while keeping borrowing premiums competitive for productive sectors.

Key Highlights of Nepal Bank Limited Deposit Interest Rates

The domestic savings category has been structured to offer varied yields depending on the nature of the account, consumer demographics, and deposit commitment. For standard local currency savers, the interest yields and corresponding minimum balance requirements are clearly outlined:

• Normal Saving accounts offer a base annual return of 2.75 percent with a minimum balance requirement of 500 NPR.
• A wide collection of targeted savings products offer an annual yield of 2.76 percent, including Women Special Saving, Senior Citizens Special Saving, and Professional Saving, each carrying a minimum balance of 500 NPR.
• Yuva Bachat Khata, Santati Saving, and Investor Saving accounts offer 2.76 percent with a zero minimum balance rule.
• The NBL Diamond Saving product is listed at 2.76 percent with a 500 NPR requirement, though new account openings for this specific category are currently suspended until further notice.
• A higher yield tier of 2.77 percent is accessible across various specialized accounts:
• Accounts with zero minimum balance include NBL Staff Pension Saving, Pension Payment Saving, Earthquake Relief Saving, TU Pension Saving, Sambandha Bachat Khata, Sambriddha Nepal Abhiyan Bachat Khata, and Chhora Chhori Surakshya Bachat Khata.
• Accounts requiring specific minimum balances include NBL Special Saving, Green Saving Account, and Nagarik Bachat Khata, which require minimum balances ranging from zero to 1000 NPR.
• Chhori Kalyan Bachat Khata requires 5000 NPR, and Nari Samman Bachat Khata sets its baseline at 10000 NPR.

Additionally, NBL Staff Salary Saving and standard Staff Salary Saving accounts yield 3.00 percent per annum with zero minimum balance, matching the rates of NBL Pioneer Saving and NBL Ex-Staff Saving accounts. For clients channeling foreign inward remittances, NBL provides an incentivized return of 4.00 percent per annum with zero minimum balance under both the Remittance Saving and NBL Remittance IPO Saving schemes. Normal call deposits carry an annual yield of 0.40 percent.

Maturity timelines for fixed deposits have been strategically layered to incentivize longer-term fund commitments. For standard Individual Fixed Deposits, the bank offers the following rates, all requiring a minimum placement of 25000 NPR:

• 2.76 percent for tenures from 3 months up to 1 year
• 3.00 percent for tenures above 1 year up to 2 years
• 3.30 percent for durations above 2 years up to 5 years
• 4.25 percent for tenures exceeding 5 years

Institutional Fixed Deposits are structured at 2.75 percent for tenures up to 2 years, 3.00 percent for tenures from 2 years up to 4 years, and 4.00 percent for timelines extending beyond 4 years.

To capture formal foreign exchange inflows, Remittance Fixed Deposits offer premium yields:

• 3.76 percent for 3 months up to 1 year
• 4.00 percent for 1 year up to 2 years
• 4.30 percent for 2 years up to 5 years
• 5.25 percent for any tenure stretching above 5 years

Foreign currency savers are also provided structured yields across multiple global currencies. For standard individual accounts, US Dollar savings pay 2.75 percent, Euro accounts pay 1.00 percent, Great Britain Pound accounts pay 1.50 percent, and Japanese Yen options offer 0.50 percent per annum.

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Non-Resident Nepalese saving accounts match these lines for USD and GBP while offering 2.00 percent for Australian Dollar deposits. Foreign currency fixed deposits up to 5 years provide a flat return of 3.25 percent for USD, GBP, and AUD portfolios.

Lending Rates and Credit Pricing Premium Framework

Borrowing portfolios at Nepal Bank Limited are primarily driven by a flexible floating rate system determined by adding a distinct risk premium to the bank’s base rate, which is updated systematically based on changes in the average base rate of the last three consecutive months. For the period ending Jestha 2083, the bank’s average base rate stands at 4.59 percent, with the net interest spread recorded at 3.58 percent, keeping the institution in robust compliance with national regulatory guidelines.

Under the floating framework, standard commercial and industrial credit products are precisely segmented:

• Export Finance carries a premium of Base Rate plus up to 2.00 percent for Nepalese Rupee lines.
• Import Finance under Trust Receipt options carries a premium of Base Rate plus up to 1.75 percent for normal operations or Base Rate plus 0.25 to 1.75 percent for trading lines.
• Business Term Loans carry a premium of Base Rate plus 0.75 to 2.75 percent for industrial sectors and Base Rate plus 1.00 to 2.75 percent for trading companies.
• General industrial working capital lines, hypothecation, overdrafts, and demand loans feature a premium of Base Rate plus 0.25 to 2.25 percent, while commercial trading working capital carries a premium of Base Rate plus 0.50 to 2.25 percent.
• Specialized SME products like Sajilo Byabasaya Karja and Sambriddha Byabasaya Working Capital offer premiums of Base Rate plus 1.00 to 3.00 percent and Base Rate plus 0.50 to 2.50 percent respectively.
• Deprived sector loans and subsidized agricultural credits are scaled efficiently with premiums starting from Base Rate up to 2.00 percent.
• Loans against the bank’s own fixed deposit receipts are priced smoothly at the asset’s coupon rate plus 1.00 percent or the 1-year fixed deposit rate, whichever is higher.
• For individual retail consumers, the floating retail loan portfolio offers highly structured options:
• Personal term loans carry a premium of Base Rate plus 2.50 to 3.50 percent for tenures up to 10 years, and Base Rate plus 3.50 to 4.00 percent for longer durations.
• Home loans are priced uniformly at a premium of Base Rate plus 2.42 percent across all standard tenures.
• The specialized Shulav Aawas Karja provides an alternative with a lower premium of Base Rate plus 1.99 percent for tenures of 10 years and above.
• Auto loans for private vehicles carry a premium of Base Rate plus 0.50 to 2.50 percent for 5-year terms, while electric vehicle auto loans are offered at a premium of Base Rate plus 1.00 to 2.50 percent.

Predictable Retail and Business Fixed Lending Rates

To support borrowers seeking insulation from market volatility, Nepal Bank Limited has highlighted a series of stable, long-term fixed interest rates for personal retail term loans and business accounts.

For home loans, including professional home loans and Shulav Aawas Karja, the bank offers a fixed rate of 9.90 percent per annum for a 5-year tenure and 9.99 percent per annum for tenures of 7 and 10 years.

Standard auto loans and professional auto loans are locked at a fixed rate of 9.90 percent for 5 years and 9.95 percent for 7 years. Electric vehicle loans are available at a fixed rate of 9.90 percent for a 5-year term.

Other personal term loans, professional term loans, flexi loans, and specialized options like Sewagrahi Karja and Ghaderi Karja are uniformly fixed at 9.99 percent per annum for tenures up to 10 years. Education loans are fixed at 9.90 percent per annum for a 5-year tenure.

For corporate lines, the bank offers fixed business term loans up to 10 years at a maximum rate of 9.99 percent per annum, giving commercial entities strong financial predictability.

The bank added that consortium financing rates will continue to be governed by consortium decisions, and an additional penal interest premium of 2 percent per annum will be strictly applied to overdue amounts or expired loans in line with central bank directives.

For More: NBL Announces Interest Rate Revision