Everest Bank Interest Rates: Complete Guide 2026

15th March 2026, Kathmandu

Everest Bank Limited (EBL) has officially rolled out its updated interest rate schedule, effective from 1st Chaitra 2082 (15th March 2026).

Everest Bank Interest Rates

As a major player in the Nepali banking sector, EBL’s latest rate structure balances the needs of retail depositors with the demands of the credit market, particularly for small-to-medium enterprises (SMEs) and corporate clients.

Savings Deposits and Remittance Incentives

EBL continues to emphasize its connection with the Nepali diaspora through preferential rates on remittance-linked products.

Savings Account Highlights:

Remittance-Focused Products: The Remittance Plus and Savings Gorkha accounts are among the highest-yielding savings options, offering 4.00 percent per annum.

Standard Savings: Most general savings products, including Saving Premium, Matribhumi, and Everest Special Savings, provide 2.80 percent per annum.

Payroll and Corporate: Corporate Salary and other payroll-linked accounts generally range from 2.75 to 2.80 percent.

Fixed Deposit Structures

Fixed deposit (FD) returns at EBL are categorized by investor type and maturity to encourage long-term capital retention.

Individual Fixed Deposits:

EBL offers a tiered structure for individuals:

3 months to 2 years: 2.75 percent

Above 2 to 5 years: 3.50 percent

Above 5 years: 4.25 percent

Institutional Fixed Deposits:

Rates for institutional clients are more conservative, peaking at 3.50 percent for tenures exceeding 5 years.

Remittance Advantage:

It is important to note that EBL provides a premium of up to 1 percent higher than standard rates for remittance-based fixed deposits, making these products a highly attractive option for NRNs looking to maximize returns on their foreign earnings.

Foreign Currency (FCY) Deposit Solutions

EBL provides a robust framework for managing foreign currency holdings, which is particularly beneficial for NRN clients and entities involved in cross-border trade.

USD: Savings accounts currently yield 3.00 percent, while call deposits offer up to 1.50 percent.

EUR and GBP: Savings accounts yield 2.00 percent, with call deposit options ranging between 1.00 and 2.00 percent.

AUD and CAD: These are also available, with flexible terms for both savings and call deposits designed to match international banking standards.

Lending Products: Corporate and Retail

Lending at EBL is primarily determined by the bank’s average Base Rate (BR), which was recorded at approximately 4.69 percent for the month of Falgun 2082.

Retail Lending:

Housing, Vehicle, and Professional Loans: These are priced at a spread of BR+1.00 percent to BR+3.00 percent.

Future Lease and Retail Space Loans: These carry a slightly higher risk premium, ranging from BR+2.00 percent to BR+4.00 percent.

Business and SME Lending:

The bank supports the SME sector through structured term loans and working capital facilities (WC-CC/STL/DL/TR), priced at BR+0.50 percent to BR+3.00 percent.

Essential Regulatory Notes

Floating Rates: The lending rates are floating and adjusted monthly based on the average Base Rate of the last three months.

Penalties: A 2 percent per annum penal interest rate applies to any overdue or irregular loan accounts.

Flexibility: The bank offers a degree of flexibility for marginalized communities, specifically providing a 1 percent relaxation on Deprived Sector Loans for single women, senior citizens, and marginalized groups.

Customers are encouraged to cross-verify these details through the official Everest Bank website (www.everestbankltd.com) or at their nearest branch, as product availability and specific premiums can change based on internal credit policy reviews.

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