NIC ASIA Bank Interest Rates Effective From Ashwin 01, 2083 (September 17, 2026): Complete Guide

16th September 2026, Kathmandu

NIC ASIA Bank Limited has released its updated interest rate structure effective from 1st Ashwin 2083 (17th September 2026).

NIC ASIA New Interest Rates 

This guide covers savings deposits, fixed deposits, floating loan margins, fixed interest rates, and key account conditions.

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Local Currency Saving Deposits

Under local currency (LCY) savings, Sathi Bachat Khata provides 3.25% per annum. All other saving products offer 2.75% per annum. Call Deposit (NPR) yields up to 1.37% per annum.

Local Currency Fixed Deposits

• For Individual Fixed Deposits, tenures from 3 months to 2 years earn 2.75% per annum. Tenures above 2 years to less than 5 years offer 3.01% per annum. Tenures of 5 years and above provide 4.00% per annum.
• For Institutional Fixed Deposits, tenures from 6 months to less than 5 years earn 2.75% per annum. Tenures of 5 years and above offer 3.00% per annum.

Foreign Currency Deposits

• For USD products, call deposits yield up to 0.50% per annum, savings accounts offer 1.00% per annum, and fixed deposits up to 1 year earn up to 3.50% per annum.
• For EURO products, call deposits yield up to 0.25% per annum, savings accounts offer 0.50% per annum, and fixed deposits up to 1 year earn up to 2.00% per annum.
• For GBP products, call deposits yield up to 0.25% per annum, savings accounts offer 0.50% per annum, and fixed deposits up to 1 year earn up to 2.00% per annum.
• For JPY products, call deposits yield up to 0.05% per annum, savings accounts offer 0.10% per annum, and fixed deposits up to 1 year earn up to 0.50% per annum.
• For AUD products, call deposits yield up to 0.25% per annum, savings accounts offer 0.50% per annum, and fixed deposits up to 1 year earn up to 2.00% per annum.

Floating Interest Rates on Loans

• Auto Loan Private Vehicle Red Plate (Prime) ranges from Base Rate + 0.25% to 2.25%. Auto Loan Private Vehicle Red Plate (Standard) ranges from Base Rate + 1.00% to 3.00%.
• Auto Loan Commercial Vehicle Black Plate ranges from Base Rate + 1.00% to 3.00%. Auto Loan Green Plate ranges from Base Rate + 1.00% to 3.00%.
• Direct Deprived Sector Loan (Retail) ranges from Base Rate + 1.00% to 3.00%. Deprived Sector Loan (Wholesale-NonQualifying) ranges from Base Rate + 1.00% to 3.00%. Deprived Sector Loan (Wholesale-Qualifying) ranges from Base Rate + 0.00% to 2.00%.
• Home Loan ranges from Base Rate + 0.00% to 2.00%. Education Loan ranges from Base Rate + 1.00% to 3.00%. Gold Loan ranges from Base Rate + 1.00% to 3.00%.
• Personal Term Loan secured by Real Estate Collateral ranges from Base Rate + 1.00% to 3.00%. Personal Term Loan secured by Real Estate Collateral under RRP ranges from Base Rate + 0.25% to 2.25%.
• Loan Against FDR ranges from Base Rate + 0.00% to 2.00%. Share Loan All ranges from Base Rate + 0.00% to 2.00%.
• Professional Loan Prime ranges from Base Rate + 0.00% to 2.00%. Professional Loan Standard ranges from Base Rate + 1.00% to 3.00%.
• Easy Business Loan ranges from Base Rate + 0.00% to 2.00%. Small Business Loan ranges from Base Rate + 0.00% to 2.00%.
• Premium Business Loan Prime ranges from Base Rate + 0.00% to 2.00%. Premium Business Loan Standard ranges from Base Rate + 1.00% to 3.00%.
• Corporate Loan Prime ranges from Base Rate + 0.00% to 2.00%. Corporate Loan Standard ranges from Base Rate + 0.25% to 2.25%. Other Loans range from Base Rate + 1.00% to 3.00%.

Fixed Interest Rates on Loans

• Auto Loan Private Vehicle Red Plate (Prime) fixed rate is 5.99%. Auto Loan Private Vehicle Red Plate (Standard) fixed rate is 5.99%. Auto Loan Commercial Vehicle Black Plate fixed rate is 5.99%. Auto Loan Green Plate fixed rate is 7.49%.
• Direct Deprived Sector Loan (Retail) fixed rate is 9.99%. Deprived Sector Loan (Wholesale-NonQualifying) fixed rate is 8.49%. Deprived Sector Loan (Wholesale-Qualifying) fixed rate is 6.49%.
• Home Loan fixed rate is 6.99%. Education Loan fixed rate is 6.99%. Gold Loan fixed rate is 7.99%.
• Personal Term Loan secured by Real Estate Collateral fixed rate is 8.49%. Personal Term Loan secured by Real Estate Collateral under RRP fixed rate is 7.99%.
• Professional Loan Prime fixed rate is 9.49%. Professional Loan Standard fixed rate is 9.99%.
• Easy Business Loan fixed rate is 7.99%. Small Business Loan fixed rate is 7.99%.
• Premium Business Loan Prime fixed rate is 7.49%. Premium Business Loan Standard fixed rate is 7.99%.
• Corporate Loan Prime fixed rate is 6.99%. Corporate Loan Standard fixed rate is 7.49%. Other Loans fixed rate is 8.99%.

Key Conditions and Indicators

• Remittance Deposits receive an additional 1% interest rate. Consortium Loan interest rates are determined as per consortium decisions.
• Base rate adjustments on floating rate loans take effect on the 1st day of every Nepali calendar month. Subsidy rate loan products follow NRB directives.
• Fixed interest rates are reviewed per NRB Unified Directives. In addition to published rates, the minimum rate for a loan against FD is Coupon Rate + up to 2%.
• The Average Base Rate for Shrawan 2083 stands at 5.80%. Other terms and conditions remain as published in the previous month.

For More: NIC ASIA New Interest Rates