Global IME Bank Announces New Interest Rates Effective From Jestha 2083
14th May 2026, Kathmandu
Global IME Bank Limited has officially released its updated interest rate schedule for various deposit and loan products. These rates are set to take effect from Jestha 1, 2083, which corresponds to May 15, 2026.
Global IME Bank Rates
The comprehensive list covers everything from standard NPR savings and fixed deposits to foreign currency accounts and specialized lending for infrastructure and retail sectors. As one of Nepal’s leading financial institutions, Global IME Bank provides a clear breakdown of returns for depositors and borrowing costs for both individual and corporate clients.
Standard NPR Saving and Fixed Deposit Rates
The bank offers a wide range of NPR saving deposit accounts, most of which carry a consistent annual interest rate. Accounts such as Global Normal Savings, Global Nari Bachat Khata, and Global Student Savings offer a rate of 2.75 percent. The Global Remit Savings Account provides a higher return at 3.75 percent. For fixed deposits, individual rates vary by duration, starting at 2.85 percent for 3 to 6 months and reaching up to 4.50 percent for terms of 3 years and above. Remittance term deposits receive an additional 1.00 percent on top of the regular rates, while institutional fixed deposits are set between 2.75 percent and 3.00 percent.
Foreign Currency (FCY) Deposit Options
Global IME Bank provides robust options for those looking to save in foreign currencies. As detailed, individual US Dollar (USD) savings accounts offer an interest rate of 2.25 percent, while fixed deposits for terms over 3 months yield 3.00 percent. Returns on Great Britain Pound (GBP) and Australian Dollar (AUD) savings are set at 2.50 percent, with fixed deposits reaching 3.50 percent. For Non-Resident Nepalese (NRN), the bank offers specialized FCY accounts with rates as high as 4.00 percent for GBP and AUD fixed deposits held for one year or more, encouraging international fund inflows into the domestic banking system.
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Lending Rates and Corporate Financing Structures
On the lending side, the bank utilizes a mix of floating and fixed interest rates for various loan types. Corporate and infrastructure project financing is structured based on the base rate plus a premium ranging from 0.50 percent to 3.00 percent. Fixed interest rates for these categories generally range from 7.99 percent to 10.49 percent. For Small and Medium Enterprises (SME), the premium over the base rate ranges from 1.00 percent up to 4.00 percent, with fixed rate options between 8.99 percent and 10.99 percent. This tiered approach allows businesses to choose a financing model that fits their specific cash flow and risk profile.
Retail and Personal Loan Offerings
Individual borrowers have access to a variety of retail loan products with competitive pricing. Home loans and auto loans carry a floating rate of the base rate plus a premium of 1.50 percent to 3.50 percent, with fixed interest rates starting from 8.99 percent and going up to 10.99 percent. Specialized loans, such as education loans and professional loans, have premiums ranging from 2.00 percent to 5.00 percent. For those borrowing against their own fixed deposits, the rate is either a premium over the coupon rate or the base rate, whichever is higher. These diverse lending options cater to the varying life stages and financial needs of the bank’s individual customers.
Governance and Penalty Clauses
The bank has also outlined specific notes regarding loan management and penalties. An additional penal rate of 2.00 percent per annum may be charged if a loan is used for purposes other than those originally intended or if activities degrade the mortgage property. Furthermore, a 2.00 percent penal charge applies to overdue amounts on expired loans. Interest rates on subsidy loans are governed by Nepal Rastra Bank (NRB) circulars. These strict governance measures are designed to maintain financial discipline and ensure that credit resources are used effectively within the national economy.
For More: Global IME Bank Rates
