Prabhu Bank Limited Announces New Deposit and Lending Interest Rates Effective From July 17 2026

16th July 2026, Kathmandu

Prabhu Bank Limited has updated its deposit and lending interest rates effective from July 17 2026 or Shrawan 1 2083.

Prabhu Bank Announces New Deposit and Lending Interest Rates

The updated framework covers local currency retail deposits fixed terms corporate or consumer credit margins and foreign currency placements.

Local Currency Savings Framework

The bank provides diverse interest yields for regular and specialized savings portfolios based on deposit features and target demographics:

• Remittance and worker focused accounts like Prabhu Foreign Unnati Savings Remittance Prabhu Unnati Savings Remittance and Prabhu Shramik Bachat Khata offer the highest return at 4.000 percent per annum.
• Mid tier savings plans consisting of Prabhu Shatabdi Savings and Prabhu Hybrid Savings provide an interest yield of 3.000 percent per annum.
• Standard savings accounts carry a baseline rate of 2.750 percent per annum. This tier covers products like Prabhu Salary Savings Prabhu Foreign Savings Prabhu Chetana Bachat Khata Prabhu Welcome Savings Prabhu Muaabja Savings Prabhu Khutruke Savings Prabhu Senior Citizen Savings Prabhu G2P Savings Prabhu Normal Savings Prabhu Goodluck Savings Prabhu Nari Savings and Prabhu Guest Savings.
• Local currency call deposits earn variable interest yields up to 0.10 percent per annum.

Fixed and Recurring Deposit Tenures

Maturity timelines determine the interest structure for retail institutional and remittance fixed assets:

• Institutional fixed assets receive a flat rate of 2.750 percent per annum across all tenures ranging from 6 months up to more than 10 years.
• Individual fixed accounts receive tiered returns starting at 2.750 percent per annum for 6 months to 1 year 3.100 percent per annum for above 1 year to 3 years 4.000 percent per annum for above 3 years to 10 years and up to 4.550 percent per annum for tenures above 10 years.
• Remittance fixed accounts under the Prabhu Unnati Muddati program earn 4.000 percent per annum for tenures from 6 months up to 10 years and a top tier rate of 5.550 percent per annum for tenures exceeding 10 years.
• Specialized options include the Swarnim Muddati 5 year fixed account for individual depositors yielding 4.000 percent per annum alongside the Prabhu Hybrid Bachat Khata and Prabhu Recurring Fixed Deposit plans which yield a uniform 2.750 percent per annum.

Foreign Currency Placements

The bank supports major foreign currency accounts with fixed saving and call deposit yields require a minimum baseline of 50 units of the respective currency:

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• US Dollar accounts feature a call yield of 1.350 percent saving yield of 2.700 percent and fixed asset return of 3.600 percent.
• Euro setups provide a call return of 0.900 percent saving return of 1.800 percent and fixed yield of 2.700 percent.
• Great Britain Pound assets pay a call rate of 0.900 percent saving rate of 1.800 percent and fixed interest rate of 3.150 percent.
• Australian Dollar lines deliver a call rate of 1.125 percent saving rate of 2.250 percent and fixed asset rate of 3.150 percent.
• Japanese Yen instruments yield a call rate of 0.675 percent saving rate of 1.350 percent and fixed asset rate of 2.025 percent.
• Chinese Yuan lines offer a call rate of 1.250 percent saving rate of 2.500 percent and fixed asset return of 3.400 percent.

Lending Operations and Sector Premium Margins

Borrowing rates utilize variable premium structures layered on top of the corporate base rate:

• Export credit demands a premium range from 1.000 percent to 3.000 percent.
• Cash equivalent secured facilities backed by own fixed deposits or government bonds charge the base rate or coupon rate whichever is higher plus a flat 2.000 percent premium.
• Corporate and multinational credit tools encompassing trust receipt loans short term loans import financing demand financing bridge gap facilities overdrafts cash credit lines term loans hire purchase financing and stock backed loans add a premium ranging from 1.000 percent to 3.000 percent.
• SME trust receipt import and demand credit facilities require a premium ranging from 1.500 percent to 3.500 percent over the base rate.
• SME bridge gap loans feature a premium of 2.000 percent to 4.000 percent while SME overdrafts retain a 1.000 percent to 3.000 percent premium spread.
• SME term loans hire purchase facilities and share backed loans carry premium margins from 2.000 percent to 4.000 percent.
• Core developmental sectors like agriculture financing for values under 30 million Rupees utilize a premium margin between 0.500 percent and 2.500 percent.
• The specialized Prabhu Sana Byabasaya Karja introduces a premium between 0.750 percent and 2.750 percent.
• Microfinance direct lending corporate indirect financing and miscellaneous deprived sector programs carry premium margins from 2.000 percent to 4.000 percent.
• Regulated deprived subsidized facilities and general subsidized loans maintain a static premium of 2.000 percent.

Consumer Credit Brackets

Retail consumer products carry individualized premium ranges depending on targeted loan goals:

• Prabhu Home Loans under 30 million Rupees utilize five duration tiers where the premium is 0.750 percent to 2.750 percent for under 5 years 1.000 percent to 3.000 percent for up to 10 years 1.500 percent to 2.500 percent for up to 15 years and 2.000 percent to 4.000 percent for tenures reaching up to 25 years.
• Low cost housing programs and education financing options carry premium spreads from 1.000 percent to 3.000 percent over the base rate.
• Digital Foneloan solutions lock a premium addition of 7.000 percent over the active base rate at disbursement.
• Property backed term loans or individual revolving lines utilize premium boundaries from 2.000 percent to 4.000 percent.
• Personal auto loans require a premium from 0.500 percent to 2.500 percent for under 5 years and 1.000 percent to 3.000 percent for tenures up to 8 years.
• General hire purchase lines share backed loans real estate credit lines and alternative personal facilities operate within a premium bracket of 2.000 percent to 4.000 percent.

Fixed Financing Alternatives

Borrowers seeking protection against interest rate updates can select fixed retail individual lending packages:

• Individual home loans are locked at 8.000 percent per annum for up to 7 years and at 8.500 percent per annum for terms exceeding 7 years.
• Individual auto loans carry a fixed interest configuration of 8.000 percent per annum.

Administrative Conditions and Regulations

Multiple credit and deposit guidelines shape this revised monetary tariff notice:

• All active interest structures remain flexible and subject to modifications within the official guidelines of Nepal Rastra Bank.
• Expired credit facilities or overdue payment lines attract an automatic penal interest addition of 2.000 percent per annum.
• An extra penal premium of 2.000 percent per annum applies if credit lines are diverted from intended goals or if actions lower the valuation of mortgaged assets.
• Bills under import letters of credit or forced financing setups incur a 2.000 percent per annum charge added to the highest interest premium plus the base rate.
• Financial pricing on active credit cards is fixed at 2.5 percent per month.
• Flexible borrowing lending terms are adjusted on the first day of every month using the immediate previous three month average base rate.

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