Everest Bank Interest Rates Effective From 17th September 2026 (1st Ashoj 2083): Complete Guide

16th September 2026, Kathmandu

Everest Bank Limited (EBL) has officially published its updated interest rate notice effective from 17th September 2026 (1st Ashoj 2083).

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Everest Bank New Interest Rates

This guide outlines the interest rate breakdown across saving accounts, fixed deposits, foreign currency schemes, floating loan bands, fixed-rate loans, and key regulatory terms.

Saving Deposit Accounts in NPR

• Remittance Plus and Savings Gorkha Regiment offer 3.75% per annum.
• Everest Maxi Savings, Saving Premium, Matribhumi Savings, Everest Special Savings, Payroll Savings (NFPO), Corporate Salary, Saving Salary, Pension Savings, and Other Saving Products all offer 2.75% per annum.
• Call Deposit and Normal Fixed Deposit in NPR
• Normal Call Deposit offers Upto 0.50% per annum.
• For Individual Fixed Deposits, tenures from 3 months upto 3 years offer 2.75% per annum, while tenures Above 3 years offer 3.50% per annum.
• For Institutional Fixed Deposits, tenures from 6 months upto 3 years offer 2.75% per annum, while tenures Above 3 years offer 3.25% per annum.

FCY Deposit Accounts

• For USD, Saving offers 3.00% p.a., Call Deposit offers Upto 1.50% p.a., Individual Fixed Deposit offers 3.25% p.a., and Institutional Fixed Deposit is Linked with international benchmark rates.
• For EUR, Saving offers 2.00% p.a., Call Deposit offers Upto 1.00% p.a., Individual Fixed Deposit offers 2.00% p.a., and Institutional Fixed Deposit is Linked with international benchmark rates.
• For GBP, Saving offers 2.00% p.a., Call Deposit offers Upto 1.00% p.a., Individual Fixed Deposit offers 2.00% p.a., and Institutional Fixed Deposit is Linked with international benchmark rates.

For Individual Borrower Availing Term Loan

• Housing Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 7.25%.
• Vehicle Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 7.25%.
• Hire Purchase floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Education Loan floating rate is BR + 2.00% to BR + 4.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Flexi Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Professional Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 9.00%.
• Future Lease Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Retail Space Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Loan Against Share floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Loan against Consumable Goods floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Loan against Pension floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Advance against Life Insurance Policy floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Agro Loan floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.
• Deprived Sector floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 7 Years of 8.00%.

SME Loans

• WC-CC / STL / DL / TR floating rate is BR + 1.00% to BR + 3.00%.
• Term Loans floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 5 Years of 7.00%.
• Margin Lending / Share Loan floating rate is BR + 1.00% to BR + 3.00%.
• Deprived Sector (Others/Institutional) floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 5 Years of 7.00%.
• USD Denominated FCY loan is As per NRB Regulations.
• Loan against Liquid Assets (FDR, Govt. Bond / National Saving Bond) rate is Up to 2% above coupon rate.

Corporate Loans

• WC-CC / STL / DL / TR floating rate is BR + 0.50% to BR + 2.50%.
• Term Loans floating rate is BR + 1.00% to BR + 3.00%, with a fixed interest rate Up to 5 Years of 7.00%.
• Margin Lending / Share Loan floating rate is BR + 0.50% to BR + 2.50%.
• Deprived Sector (Others/Institutional) floating rate is BR to BR + 2.00%, with a fixed interest rate Up to 5 Years of 7.00%.
• USD Denominated FCY loan is As per NRB Regulations.
• Loan against Liquid Assets (FDR, Govt. Bond / National Saving Bond) rate is Up to 2% above coupon rate.
• Short Term Demand Loan floating rate is BR + up to 2.00%.

Financial Indicators and Key Notes

• Base Rate Applicable (For Bhadra 2083 – Average of last 3 months) is 4.25%.
• Base Rate Monthly – Shrawan 2083 is 4.17%.
• Spread Rate for Shrawan 2083 is 3.17%.
• Relaxation of 1% in ROI shall be extended to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, war victims, single women, and disabled individuals under Deprived Sector Loan.
• Interest rates on consortium loans shall be as per consortium decision.
• Penal Interest @ 2.00% shall be applied in irregular/watch-list/NPA account.
• The variance on interest rate between same nature loans shall not be greater than that is prescribed by regulator.
• In case of remittance Fixed/Saving Deposit, 1% higher rate over normal rate will be provided.

For More: Everest Bank New Interest Rates