NIMB Announces Interest Rates Revision Effective From July 17 2026

16th July 2026, Kathmandu

Nepal Investment Mega Bank Limited has announced its updated interest rate structure for deposits and lending operations effective from July 17 2026 or Shrawan 1 2083.

NIMB Announces Interest Rates Revision

The dynamic framework details returns for Nepalese Rupee fixed setups recurring options savings programs foreign currency lines and commercial credit premium margins.

Local Currency Fixed Deposit Framework

The bank requires a minimum tenure of one year for Nepalese Rupee fixed deposit setups with interest returns tiered by account types:

• Individual Fixed Deposits yield 3.00 percent per annum for 1 year to 2 years 3.25 percent per annum for above 2 years to 5 years and 4.50 percent per annum for timelines above 5 years.
• Remittance Fixed Deposits provide 4.00 percent per annum for 1 year to 2 years 4.25 percent per annum for above 2 years to 5 years and 5.50 percent per annum for terms exceeding 5 years. Legitimate source validation from abroad is required for these remittance accounts.
• Institutional Deposits carry a uniform flat return of 2.75 percent per annum across all available investment horizons.

NPR Recurring Fixed Deposit Plans

Specialized recurring accounts offer separate yields based on specified monthly duration blocks:

• Accounts registered under the 13 months duration model earn 3.00 percent per annum.
• Accounts registered under the 25 months duration model earn 3.50 percent per annum.

Foreign Currency Placements

Foreign currency balances offer specific interest structures across call savings and fixed tenures requiring standard compliance metrics:

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• US Dollar Individual Fixed Deposits yield 3.50 percent per annum for 1 year to 2 years and 4.00 percent per annum for tenures above 2 years to 5 years.
• US Dollar Institutional Fixed Deposits yield 2.75 percent per annum for 1 year to 2 years and 3.25 percent per annum for above 2 years to 5 years.
• Other Foreign Currency Fixed Deposits offer a flat interest structure of 1.75 percent per annum.
• US Dollar Savings setups deliver a base return of 2.25 percent per annum while alternative foreign currency saving lines yield 1.25 percent per annum.
• US Dollar Call Accounts pay flexible returns up to 1.12 percent per annum alternative foreign currency call deposits earn up to 0.62 percent per annum and Nepalese Rupee call placements pay up to 1.35 percent per annum.

Local Currency Saving Categories

Nepalese Rupee savings accounts utilize a layered interest return structure depending on product specialization:

• High yield savings setups consisting of Prithvi Remittance Account and Janani Janmabhumi Saving Account offer the highest return at 4.75 percent per annum.
• The specialized NIMB Green Future Saving Account delivers an intermediate return of 3.75 percent per annum.
• The Professional Saving Account provides an interest yield of 3.25 percent per annum.

Standard savings accounts provide a baseline return of 2.75 percent per annum covering diverse plans including Afnai Bachat Khata Shrijansil Nari Bachat Khata Keta Keti Bachat Khata Swabhiman Bachat Khata Karmachari Bachat Khata Triple Benefit Plus Saving Account EZEE Saving Chhoriko Surakshya Bachat Khata Surakshya Bachat Khata EZEE Student Locker Account Lotus Saving Account Savings Bonanza Saving Branchless Banking Social Security Account Access to Finance Program Retirement Fund Account Janasewak Saving Account Ek Se Ek Saving Account Prabardhak Bachat Khata and Shareholder Savings Account.

Lending Premium Margins and Special Credit Lines

Borrowing parameters combine the standard bank average base rate with specific premium adjustments for the month of Shrawan 2083:

• Loans against the pledge of gold or silver maintain a premium margin between 2.00 percent and 4.00 percent.
• Credit facilities secured by first class guarantees carry a premium spread from 2.00 percent to 4.00 percent.
• Financing backed by a life insurance policy operates with a premium margin of 2.00 percent to 4.00 percent.
• Clean social loan facilities feature a fixed premium spread ranging from 3.00 percent to 4.00 percent.
• Education loan products utilize a competitive premium boundary from 1.500 percent to 3.500 percent.
• Regulated subsidized credit lines utilize a premium structure of base rate plus 1.50 percent per annum or as directed by central guidelines.

Alternative credit options categorized under miscellaneous purposes require a flat premium margin of 4.00 percent.

Operational Directives and Administrative Criteria

The published rate structure includes essential notes guiding retail operations:

• Endowments or Akshyakosh placements negotiate interest rates via direct mutual consent between the bank and clients.
• Loan rates represent the combination of the official base rate plus the applicable premium with special agreements remaining active until expiration.
• Overdue or expired credit structures attract an automatic penal interest addition of 2.00 percent per annum.
• Consortium financing rates follow the collective decisions of the consortium meeting but cannot fall below the baseline cost of the bank.
• Regulatory compliance dictates that interest gaps between identical loan options remain within set bounds.

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