Global IME Bank Rates: Complete Guide 2026
15th March 2026, Kathmandu
Global IME Bank has implemented its updated interest rate schedule effective from Chaitra 01, 2082 (March 15, 2026).
Global IME Bank Rates
As one of the largest financial institutions in Nepal, the bank’s latest rate structure is designed to navigate the current environment of excess liquidity while providing competitive avenues for both savers and borrowers. This guide breaks down the essential figures for managing your personal or corporate finances with the bank.
Savings and Remittance Accounts
Global IME Bank maintains a streamlined savings structure. Most standard products, including the Global Normal Savings, Nari Bachat, and Balbalika accounts, are positioned at an annual interest rate of 2.75 percent.
A key focus for the bank remains the remittance sector. The Global Remit Savings Account offers an incentivized rate of 3.75 percent per annum, significantly higher than standard savings options, to encourage non-resident Nepalis (NRNs) to channel their earnings through official banking systems.
Fixed Deposit Options
The bank provides clear tiers for fixed deposits (FD), distinguishing between individual needs, institutional requirements, and remittance-linked long-term savings.
Individual FD: These are structured by maturity, ranging from 3.00 percent for short-term (3 to 6 months) deposits up to 4.50 percent for tenures of two years or longer.
Institutional FD: Rates for institutional clients are set at 3.00 percent for tenures up to two years, with longer-term arrangements available through direct negotiation with the bank.
Remittance-Linked FD: This is the most competitive category, offering a progressive rate structure that rewards long-term loyalty. Rates start at 3.75 percent for shorter terms and climb to 5.50 percent for tenures spanning 5 to 25 years. This product is specifically designed for long-term wealth preservation.
Foreign Currency (FCY) Deposits
Global IME Bank caters to the diverse currency needs of its clients through specialized FCY products.
USD and GBP: These currencies generally see fixed deposit rates between 3.00 and 4.00 percent, depending on the tenure.
EURO, AUD, and Other Currencies: The bank provides varied rates, with AUD fixed deposits reaching up to 4.00 percent.
These products offer a secure way for NRNs and business entities to hedge against currency volatility while earning interest on their foreign holdings.
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Loan Products: Retail and Corporate
Global IME Bank employs a risk-based pricing model that relies heavily on the bank’s base rate (BR).
Retail Lending Highlights:
Home Loans: Currently priced between 8.49 and 10.49 percent per annum.
Auto Loans: These are priced in the range of 8.99 to 12.99 percent, depending on the vehicle type and down payment structure.
Education Loans: The bank maintains a tight pricing corridor of 9.90 to 9.99 percent.
Corporate and Business Financing:
For business entities, the bank offers specialized products such as Energy Sector Structured Term Loans and Working Capital Loans, with pricing linked directly to the base rate minus or plus a specified margin. This allows businesses to have clearer visibility into how their interest costs might change as market conditions evolve.
Important Notes for Customers
Floating Rates: Loan interest rates are floating and adjusted based on the three-month average of the bank’s base rate.
Penalties: The bank enforces a 2 percent penal interest rate on any overdue loan payments.
Risk Assessment: The bank reserves the right to apply a risk premium of up to 2 percent above the standard interest rate for borrowers who fall into higher risk-profile categories.
Before making any financial commitment, it is advisable to check the official Global IME Bank portal at www.imebank.com.np to confirm if any specific branch-level promotions or temporary product suspensions are currently in effect.
For More: Global IME Bank Rates
