Everest Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

14th June 2026, Kathmandu

Everest Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed term placements, and diverse corporate, SME, and retail credit portfolios.

Everest Bank Interest Rates

The newly announced rates take effect on June 15 2026, marking the 1st day of Asar 2083 in the local calendar. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured premium choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings and Call Deposit Portfolio Tiers

Local currency savings products offer varying yields based on target demographic tiers, complemented by short term liquid options.

• Remittance Plus Savings Account: 3.75 percent per annum
• Savings Gorkha Regiment Track: 3.75 percent per annum
• Pension Savings Account Track: 3.75 percent per annum
• Everest Maxi Savings Account: 2.75 percent per annum
• Saving Premium Account: 2.75 percent per annum
• Matribhumi Savings Account: 2.75 percent per annum
• Everest Special Savings Account: 2.75 percent per annum
• Staff Savings-EBL Line: 2.75 percent per annum
• Payroll Savings NFPO Line: 2.75 percent per annum
• Corporate Salary Account: 2.75 percent per annum
• Saving Salary Account: 2.75 percent per annum
• Other Miscellaneous Saving Products: 2.75 percent per annum
• Normal Call Deposits: Up to 0.75 percent per annum

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split between individual savers and corporate institutional funds over designated timeblocks.

• Individual Fixed Deposits from 3 Months to 2 Years: 2.75 percent per annum
• Individual Fixed Deposits above 2 Years up to 5 Years: 3.50 percent per annum
• Individual Fixed Deposits lasting above 5 Years: 4.05 percent per annum
• Institutional Fixed Deposits from 6 Months to 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits groups above 2 Years up to 5 Years: 3.00 percent per annum
• Institutional Fixed Deposits terms exceeding 5 Years: 3.50 percent per annum

Foreign Currency Deposit Options and Yields

International currency accounts provide stable yields across major global currencies for eligible personal or corporate depositors.

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• US Dollar Savings Accounts: 3.00 percent per annum
• US Dollar Call Deposit Placements: Up to 1.50 percent per annum
• US Dollar Individual Fixed Placements: 3.25 percent per annum
• Euro Savings Accounts: 2.00 percent per annum
• Euro Call Deposit Placements: Up to 1.00 percent per annum
• Euro Individual Fixed Placements: 2.00 percent per annum
• Great British Pound Savings Accounts: 2.00 percent per annum
• Great British Pound Call Deposit Placements: Up to 1.00 percent per annum
• Great British Pound Individual Fixed Placements: 2.00 percent per annum
• Institutional Foreign Currency Fixed Deposits: Linked directly with active international benchmark rates

Individual Floating Rate Loan Facilities

Floating rate retail lines are determined by adding a variable risk premium range on top of the operational base rate, which stands at 4.35 percent per annum for Baisakh 2083.

• Housing Loan Facilities: Base rate plus 1.00 percent to 3.00 percent premium band
• Vehicle Loan Facilities: Base rate plus 1.00 percent to 3.00 percent premium band
• Hire Purchase Financing: Base rate plus 1.00 percent to 3.00 percent premium band
• Flexi Loan Tracks: Base rate plus 1.00 percent to 3.00 percent premium band
• Professional Loan Schemes: Base rate plus 1.00 percent to 3.00 percent premium band
• Future Lease Loan Options: Base rate plus 1.00 percent to 3.00 percent premium band
• Retail Space Loan Facilities: Base rate plus 1.00 percent to 3.00 percent premium band
• Loan Against Share Portfolios: Base rate plus 1.00 percent to 3.00 percent premium band
• Loan Against Consumable Goods: Base rate plus 1.00 percent to 3.00 percent premium band
• Loan Against Pension Tracks: Base rate plus 1.00 percent to 3.00 percent premium band
• Advance Against Life Insurance Policies: Base rate plus 1.00 percent to 3.00 percent premium band
• Agro Loan Lines: Base rate plus 1.00 percent to 3.00 percent premium band
• Deprived Sector Individual Retail Loans: Base rate plus 1.00 percent to 3.00 percent premium band
• Higher Education Loan Packages: Base rate plus 2.00 percent to 4.00 percent premium band

Individual Fixed Interest Rate Financing Alternatives

Borrowers looking for budget security can opt for guaranteed flat rates over a term running up to 7 years.

• Housing Loans Fixed Track: 7.49 percent per annum
• Vehicle Loans Fixed Track: 7.49 percent per annum
• Hire Purchase Fixed Track: 9.00 percent per annum
• Education Loans Fixed Track: 9.00 percent per annum
• Flexi Loans Fixed Track: 9.00 percent per annum
• Future Lease Loans Fixed Track: 9.00 percent per annum
• Retail Space Loans Fixed Track: 9.00 percent per annum
• Loan Against Shares Fixed Track: 9.00 percent per annum
• Loan Against Consumable Goods Fixed Track: 9.00 percent per annum
• Loan Against Pension Fixed Track: 9.00 percent per annum
• Advance Against Life Insurance Policies Fixed Track: 9.00 percent per annum
• Agro Loans Fixed Track: 9.00 percent per annum
• Deprived Sector Individual Fixed Track: 9.00 percent per annum
• Professional Loans Specialized Fixed Track: 10.00 percent per annum

Small and Medium Enterprise Credit Pricing Bands

Small and medium business financing is structured via specific floating spreads or mid term fixed options.

• SME Working Capital Floating Credit: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Cash Credit Floating Lines: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Short Term Floating Loans: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Demand Floating Credit: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Trust Receipts Financing: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Term Loan Floating Tracks: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Margin Lending Options: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Share Loans Financing: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Deprived Sector Institutional Financing: Base rate plus 1.00 percent to 3.00 percent premium band
• SME Term Loans Fixed Option up to 5 Years: 8.50 percent per annum
• SME Margin Lending Fixed Option up to 5 Years: 8.50 percent per annum
• SME Share Loans Fixed Option up to 5 Years: 8.50 percent per annum
• SME Deprived Sector Accounts Fixed Option up to 5 Years: 8.50 percent per annum

Corporate Financing and Lending Premium Scales

Large scale enterprise credit features slightly lower floating entry margins alongside equivalent long term fixed tiers.

• Corporate Working Capital Floating Credit: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Cash Credit Floating Lines: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Short Term Floating Loans: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Demand Floating Credit: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Trust Receipts Financing: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Margin Lending Options: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Share Loans Financing: Base rate plus 0.50 percent to 2.50 percent premium band
• Corporate Term Loans Floating Tracks: Base rate plus 1.00 percent to 3.00 percent premium band
• Corporate Short Term Demand Loans: Base rate plus up to 2.00 percent premium band
• Corporate Deprived Sector Lending Tracks: Base rate to base rate plus 2.00 percent premium band
• Corporate Term Loans Fixed Option up to 5 Years: 8.50 percent per annum
• Corporate Margin Lending Fixed Option up to 5 Years: 8.50 percent per annum
• Corporate Share Loans Fixed Option up to 5 Years: 8.50 percent per annum
• Corporate Deprived Sector Accounts Fixed Option up to 5 Years: 8.50 percent per annum

Policy Rules, Yield Penalties, and Financial Concessions

Operational directives ensure full alignment with regulatory parameters, credit concessions, and institutional asset security.

• Base Rate for Baisakh 2083 baseline metric: 4.35 percent per annum
• Interest Rate Spread local currency benchmark: 3.08 percent per annum
• Average Base Rate rolling three month average ending Jestha 2083: 4.49 percent per annum
• Asset Backed Lending secured via own Fixed Deposits or Government Bonds: Up to 2.00 percent premium spread over the underlying coupon rate
• Targeted Demographic Interest Concessions: A direct 1.00 percent rate reduction under published rates for Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, War Victims, Single Women, and disabled borrowers under Deprived Sector Loans
• Overdue Account Risk Penalty: An automatic penal interest rate of plus 2.00 percent per annum applied to irregular, watchlist, or non performing accounts
• Remittance Sourced Premium Multipliers: Inbound remittance funded savings or fixed deposits qualify automatically for an additional 1.00 percent premium over standard rates
• Consortium Corporate Loan Operations: Pricing structures are governed entirely by independent consortium bank decisions
• Foreign Currency Denominated Commercial Loans: Administered strictly according to active central bank guidelines

For More: Everest Bank Interest Rates