Global IME Bank Interest Rates Effective From Ashwin 01, 2083: A Complete Guide

16th September 2026, Kathmandu

Global IME Bank has published its updated interest rates, effective from Ashwin 01, 2083 (September 17, 2026).

Global IME New Interest Rates 

This comprehensive guide details all the latest rates across personal savings accounts, fixed deposits, foreign currency deposits, corporate loans, SME loans, retail financing, and general notice terms published by the bank.

1. NPR Saving Deposit Rates

Global IME Bank offers a range of Nepalese Rupee savings accounts designed for various customer segments. The current per annum interest rates for saving accounts are set as follows:

• 1.1. Global Normal Savings: 2.75% per annum.
• 1.2. Global Nari Bachat Khata: 2.75% per annum.
• 1.3. Global Balbalika Bachat Khata: 2.75% per annum.
• 1.4. Global Navaratna Salary Account: 2.75% per annum.
• 1.5. Social Security Allowance Account: 2.75% per annum.
• 1.6. Global Share Lagani Bachat Khata: 2.75% per annum.
• 1.7. Global BUB Saving Account: 2.75% per annum.
• 1.8. Global Janmabhumi Bachat Khata: 2.75% per annum.
• 1.9. Global Swabalamban Bachat Khata: 2.75% per annum.
• 1.10. Global Jestha Nagarik Bachat Khata: 2.75% per annum.
• 1.11. Sabal Nepaliko Bachat Khata: 2.75% per annum.
• 1.12. Soch Jastai Bank Khata: 2.75% per annum.
• 1.13. Global Remit Savings Account: 2.75% per annum.

2. NPR Fixed Deposit Rates

Fixed deposit interest rates vary based on whether the deposit is individual or institutional, as well as the tenure of investment:

2.1. Individual Fixed Deposits:

• 2.1.1. 3 Months to 1 Year: 2.75% per annum.
• 2.1.2. Above 1 Year to below 2 Years: 2.80% per annum.
• 2.1.3. 2 Years to below 3 Years: 3.00% per annum.
• 2.1.4. 3 Years to below 5 Years: 3.50% per annum.
• 2.1.5. 5 Years and above: 4.00% per annum.
• 2.1.6. Remitters Term Deposit: +1.00% on above slab rates.

2.2. Institutional Fixed Deposits:

• 2.2.1. Above 1 Year: 2.75% per annum.

2.3. Call Deposit:

• 2.3.1. Up to 50% of minimum saving deposit rate.

3. FCY Deposit Rates

Foreign Currency deposits are available across several currencies for savings and fixed terms:

• 3.1. US Dollar Premium Deposits:
• 3.1.1. Saving Deposit: 3.75% per annum.
• 3.1.2. Fixed Deposit (6 months to below 1 Year): 3.80% per annum.
• 3.1.3. Fixed Deposit (1 Year and above): 4.00% per annum.

3.2. US Dollar Deposits:

• 3.2.1. Saving Deposit: 2.25% per annum.
• 3.2.2. Fixed Deposit (6 months to below 1 Year): 3.80% per annum.
• 3.2.3. Fixed Deposit (1 Year and above): 4.00% per annum.

3.3. Other Foreign Currency Deposits (Saving / Fixed Deposit 3 months and above):

• 3.3.1. EURO (EUR): 1.00% Saving / 2.00% Fixed Deposit.
• 3.3.2. Great Britain Pound (GBP): 2.50% Saving / 3.50% Fixed Deposit.
• 3.3.3. Australian Dollar (AUD): 2.50% Saving / 3.50% Fixed Deposit.
• 3.3.4. Canadian Dollar (CAD): 1.00% Saving / 2.20% Fixed Deposit.
• 3.3.5. Japanese Yen (JPY): 0.50% Saving / 1.00% Fixed Deposit.
• 3.3.6. Chinese Yuan (CNY): 0.50% Saving / 1.00% Fixed Deposit.

4. Global NRN FCYs Deposits

4.1. Global NRN FCYs Term Deposit (1 Year and Above, Min. Balance USD 1,000 or equivalent):

• 4.1.1. US Dollar (USD): 3.75% per annum.
• 4.1.2. EURO (EUR): 3.00% per annum.
• 4.1.3. Great Britain Pound (GBP): 4.00% per annum.
• 4.1.4. Australian Dollar (AUD): 4.00% per annum.
• 4.1.5. Canadian Dollar (CAD): 2.25% per annum.
• 4.1.6. Japanese Yen (JPY): 1.00% per annum.
• 4.1.7. Chinese Yuan (CNY): 1.00% per annum.

4.2. Global NRN FCYs Saving Deposit (Min. Balance USD 1,000 or equivalent):

• 4.2.1. US Dollar (USD): 3.00% per annum.
• 4.2.2. EURO (EUR): 2.00% per annum.
• 4.2.3. Great Britain Pound (GBP): 3.00% per annum.
• 4.2.4. Australian Dollar (AUD): 3.00% per annum.
• 4.2.5. Canadian Dollar (CAD): 2.00% per annum.
• 4.2.6. Japanese Yen (JPY): 0.50% per annum.
• 4.2.7. Chinese Yuan (CNY): 0.50% per annum.

5. Interest Rates on Loans and Advances

Global IME Bank provides structured loans across corporate, SME, export, and retail sectors. Floating rates are benchmarked against the Base Rate, while fixed interest rates are provided where applicable:

5.1. Corporate / Mid Corporate / Infrastructure & Project Financing:

• 5.1.1. Fixed Term Loan: Base Rate + 0.50% to 2.00% (Floating) / 7.99% to 9.99% (Fixed).
• 5.1.2. Energy Sector Structured Term Loan: Base Rate + 0.25% to 2.25% (Floating) / 7.49% to 9.49% (Fixed).
• 5.1.3. Permanent Working Capital Loan: Base Rate + 1.00% to 3.00% (Floating) / 7.49% to 9.49% (Fixed).
• 5.1.4. Fluctuating Working Capital Cash Credit Loan: Base Rate + 1.00% to 3.00% (Floating).
• 5.1.5. Fluctuating Working Capital Short Term Loan: Base Rate + 0.75% to 2.75% (Floating).
• 5.1.6. Fluctuating Working Capital TR Import Loan: Base Rate + 0.50% to 2.00% (Floating).
• 5.1.7. Structured Short Term Loan: Base Rate + up to 2.00% (Floating).

5.2. SME Financing:

• 5.2.1. Fixed Term Loan: Base Rate + 1.50% to 3.50% (Floating) / 7.99% to 9.99% (Fixed).
• 5.2.2. Permanent Working Capital Loan: Base Rate + 1.50% to 3.50% (Floating) / 7.99% to 9.99% (Fixed).
• 5.2.3. Fluctuating Working Capital Cash Credit Loan: Base Rate + 1.00% to 3.00% (Floating).
• 5.2.4. Fluctuating Working Capital Short Term Loan: Base Rate + 1.00% to 3.00% (Floating).
• 5.2.5. Fluctuating Working Capital TR Import Loan: Base Rate + 0.75% to 2.75% (Floating).
• 5.2.6. Global IME Small Business Loan (Up to 10 Years): Base Rate + 2.00% to 4.00% (Floating) / 7.99% to 9.99% (Fixed).
• 5.2.7. Global IME Krishi Karja (Up to Rs. 2 Crore, Up to 10 Years): Base Rate + 1.00% to 2.00% (Floating) /7.99% to 9.99% (Fixed).

• 5.2.8. Structured Short Term Loan: Base Rate + 0.50% to 2.50% (Floating).

5.3. Export Financing:

• 5.3.1. Pre-Shipment / Packing Credit / Post-Shipment Loan: Base Rate + 0.50% to 2.00% (Floating).

5.4. Retail and Other Loans:

• 5.4.1. Home Loan: Base Rate + 1.00% to 3.00% (Floating) / 8.99% to 10.99% (Fixed).
• 5.4.2. Auto Loan: Base Rate + 1.00% to 3.00% (Floating) / 8.99% to 10.99% (Fixed).
• 5.4.3. Mortgage Loan: Base Rate + 1.50% to 3.50% (Floating) / 8.99% to 10.99% (Fixed).
• 5.4.4. Education Loan: Base Rate + 2.00% to 4.00% (Floating) / 9.99% to 11.99% (Fixed).
• 5.4.5. Hire Purchase: Base Rate + 2.00% to 4.00% (Floating) / 9.99% to 11.99% (Fixed).
• 5.4.6. Global Professional Loan: Base Rate + 3.00% to 5.00% (Floating) / 9.99% to 11.99% (Fixed).
• 5.4.7. Loan Against Shares: Base Rate + 0.75% to 2.75% (Floating).
• 5.4.8. Loan against FCY Deposit: Base Rate + 1.00% to 3.00% (Floating).
• 5.4.9. Loan against Fixed Deposit of Own Bank: Coupon rate plus 0.50% to 2.00% or Base rate, whichever is higher.
• 5.4.10. Loan against Government Bond: Coupon rate plus 0.50% to 2.00% or Base rate, whichever is higher.
• 5.4.11. Deprived Sector Loan (Institutional): Base Rate + up to 2.00% (Floating).
• 5.4.12. Foreign Currency Loan: Negotiable.

6. Important Notes and Conditions

• 6.1. Rate on consortium financing will be as decided by consortium.
• 6.2. An additional penal rate of 2.00% per annum may be charged in case the loan is used for other than intended purpose, or for any activities conducted to degrade mortgage properties.
• 6.3. A penal charge of +2.00% per annum will be applied on the overdue amount or unexpired loan.
• 6.4. Interest rate on subsidy loan will be as per NRB circulars or agreement with other entities.
• 6.5. Scheme-based loan products will be as per the respective scheme terms.
• 6.6. Forced loan will apply the highest published floating interest rate.

For More: Global IME New Interest Rates