Global IME Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

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

Global IME Updates Interest 

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashadh 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 highly liquid short term options.

• Global Normal Savings Account: 2.75 percent per annum
• Global Nari Bachat Khata: 2.75 percent per annum
• Global Balbalika Bachat Khata: 2.75 percent per annum
• Global Janmabhumi Bachat Khata: 2.75 percent per annum
• Global Sansthogat Bachat Khata: 2.75 percent per annum
• Global Jestha Nagarik Bachat Khata: 2.75 percent per annum
• Sabai Nepalikobachat Khata: 2.75 percent per annum
• Suna Jasto Kam Khata Track: 2.75 percent per annum
• Global Navaratna Salary Account: 2.80 percent per annum
• Social Security Allowance Account: 2.80 percent per annum
• Global Shramlagani Bachat Khata: 2.80 percent per annum
• Global EBL Saving Account Track: 2.80 percent per annum
• Global Remit Savings Account: 3.75 percent per annum
• Liquid Call Deposits: Up to 50 percent of the published minimum saving deposit rate

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split across individual, institutional, and remittance funding channels over defined maturity blocks.

• Individual Fixed Deposits from 3 Months to below 6 Months: 2.85 percent per annum
• Individual Fixed Deposits from 6 Months to below 1 year: 3.00 percent per annum
• Individual Fixed Deposits from 1 Year to below 2 Years: 3.25 percent per annum
• Individual Fixed Deposits from 2 Years to below 3 Years: 4.25 percent per annum
• Individual Fixed Deposits lasting 3 Years and Above: 4.50 percent per annum
• Remitters Term Deposits: Eligible remittance sourced deposits receive an additional 1.00 percent interest on top of the corresponding individual slab
• Institutional Fixed Deposits from 6 Months to below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits lasting 2 Years and Above: 3.00 percent per annum

Foreign Currency Deposit Options and Yields

International currency lines support global trading accounts and general asset management across major global reserve assets.

• US Dollar Saving Deposits: 2.25 percent per annum
• Euro Saving Deposits: 1.50 percent per annum
• Great British Pound Saving Deposits: 2.50 percent per annum
• Australian Dollar Saving Deposits: 2.50 percent per annum
• Canadian Dollar Saving Deposits: 1.50 percent per annum
• Japanese Yen Saving Deposits: 0.50 percent per annum
• Chinese Yuan Saving Deposits: 0.50 percent per annum
• US Dollar Fixed Deposits individual 3 months plus and institutional 6 months plus: 3.00 percent per annum
• Euro Fixed Deposits individual 3 months plus and institutional 6 months plus: 2.00 percent per annum
• Great British Pound Fixed Deposits individual 3 months plus and institutional 6 months plus: 3.50 percent per annum
• Australian Dollar Fixed Deposits individual 3 months plus and institutional 6 months plus: 3.50 percent per annum
• Canadian Dollar Fixed Deposits individual 3 months plus and institutional 6 months plus: 2.25 percent per annum
• Japanese Yen Fixed Deposits individual 3 months plus and institutional 6 months plus: 1.00 percent per annum
• Chinese Yuan Fixed Deposits individual 3 months plus and institutional 6 months plus: 1.00 percent per annum

Non Resident Nepali Foreign Currency Account Structures

Specialized international accounts for non resident citizens provide stable yields subject to specific balance requirements.

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• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across US Dollar: 3.75 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Euro: 3.00 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Great British Pound: 4.00 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Australian Dollar: 4.00 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Canadian Dollar: 2.25 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Japanese Yen: 1.00 percent per annum
• Global NRN FCYs Fixed Deposits 1 Year and Above with a 1,000 USD minimum balance equivalent across Chinese Yuan: 1.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across US Dollar: 3.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Euro: 2.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Great British Pound: 3.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Australian Dollar: 3.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Canadian Dollar: 2.00 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Japanese Yen: 0.50 percent per annum
• Global NRN FCYs Saving Deposits with a 1,000 USD minimum balance equivalent across Chinese Yuan: 0.50 percent per annum

Corporate and Project Financing Lending Specifications

Large scale business financing options combine adjustable premium frameworks with multi year fixed alternative options.

• Corporate Fixed Term Loans Floating Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Corporate Fixed Term Loans Fixed Track: 7.99 percent to 9.99 percent per annum flat rate
• Energy Sector Structured Term Loans Floating Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Energy Sector Structured Term Loans Fixed Track: 7.49 percent to 9.49 percent per annum flat rate
• Permanent Working Capital Loans Floating Track: Base rate plus a premium spread from 1.00 percent to 3.00 percent
• Permanent Working Capital Loans Fixed Track: 8.49 percent to 10.42 percent per annum flat rate
• Fluctuating Working Capital Cash Credit Lines: Base rate plus a premium spread from 1.00 percent to 3.00 percent
• Corporate Short Term Loans Floating Track: Base rate plus a premium spread from 0.75 percent to 2.75 percent
• Corporate TR or Import Loans Floating Track: Base rate plus a premium spread from 0.75 percent to 2.75 percent
• Structured Corporate Short Term Loans: Base rate plus a premium spread up to 2.00 percent

Small and Medium Enterprise Credit Portfolio Pricing

Small and medium business lines feature tailored premium limits alongside equivalent fixed pricing brackets.

• SME Fixed Term Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• SME Fixed Term Loans Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• SME Permanent Working Capital Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• SME Permanent Working Capital Loans Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• SME Fluctuating Working Capital Cash Credit Lines: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• SME Short Term Loans Floating Track: Base rate plus a premium spread from 1.25 percent to 3.25 percent
• SME TR or Import Loans Floating Track: Base rate plus a premium spread from 0.75 percent to 2.75 percent
• Global IME Small Business Loans up to 10 Years Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Global IME Small Business Loans up to 10 Years Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• Global IME Krishi Karja up to Rs 2 Crore up to 10 Years Floating Track: Base rate plus a premium spread from 1.00 percent to 2.00 percent
• Global IME Krishi Karja up to Rs 2 Crore up to 10 Years Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• Structured SME Short Term Loans: Base rate plus a premium spread from 1.00 percent to 3.00 percent

Export Financing and Trade Credit Portfolios

International trading tracks leverage consistent floating premium structures to support outbound shipping workflows.

• Pre Shipment Export Loans: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Packing Credit Export Lines: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Post Shipment Export Loans: Base rate plus a premium spread from 0.50 percent to 2.50 percent

Retail Credit Lines and Alternative Financing Options

Individual retail products offer standard adjustable interest options alongside stable fixed financing options.

• Residential Home Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• Residential Home Loans Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• Retail Auto Loans Floating Track: Base rate plus a premium spread from 1.50 percent to 3.50 percent
• Retail Auto Loans Fixed Track: 8.99 percent to 10.99 percent per annum flat rate
• Personal Mortgage Loans Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Personal Mortgage Loans Fixed Track: 9.99 percent to 11.99 percent per annum flat rate
• Higher Education Loans Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Higher Education Loans Fixed Track: 9.99 percent to 11.99 percent per annum flat rate
• Hire Purchase Financing Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Hire Purchase Financing Fixed Track: 10.99 percent to 12.99 percent per annum flat rate
• Global Professional Loans Floating Track: Base rate plus a premium spread from 3.00 percent to 5.00 percent
• Global Professional Loans Fixed Track: 10.99 percent to 12.99 percent per annum flat rate
• Loans Against Share Portfolios: Base rate plus a premium spread from 0.75 percent to 2.75 percent
• Loans Against Foreign Currency Deposits: Base rate plus a premium spread from 1.00 percent to 3.00 percent
• Loans Against Own Bank Fixed Deposits: Coupon rate plus 0.50 percent to 2.00 percent premium spread or the operational Base Rate, whichever calculations produce the higher metric
• Loans Against Government Bonds: Coupon rate plus 0.50 percent to 2.00 percent premium spread or the operational Base Rate, whichever calculations produce the higher metric
• Deprived Sector Loans Institutional Wholesale Lines: Base rate plus a premium spread up to 2.00 percent
• Standard Business Foreign Currency Loans: Entirely open for independent custom negotiation

Core Policy Rules and Operational Guidelines

Operational reference standards, risk penalties, and default parameters ensure full alignment with regulatory requirements.

• Consortium Project Financing: Pricing structures are governed entirely by independent consortium bank decisions
• Collateral Degradation Risk Penalty: An additional penal rate of plus 2.00 percent per annum may be charged if a loan is utilized for reasons other than the intended purpose or if activities degrade mortgage properties
• Overdue Account Risk Penalty: A standard penal charge of up to 2 percent per annum is systematically applied to all overdue amounts and expired loan accounts
• Subsidized Credit Frameworks: Interest rate subsidy loans operate in strict alignment with central bank circulars or direct bilateral institutional agreements
• Scheme Specific Products: All specialized scheme based loan products follow their respective official documentation rules
• Forced Credit Allocation Penalty: Forced loans automatically trigger the highest published floating interest rate available inside the institutional system

For More: Global IME Updates Interest