Himalayan Bank Revises Interest Rates for Deposit And Loan From Shrawan 1 2083

16th June 2026, Kathmandu

Himalayan Bank Limited has published a new interest rate schedule for its deposit and loan products, effective from Shrawan 1, 2083, which corresponds to July 17, 2026.

Himalayan Bank Revises Interest Rates

The revised rates apply across a range of savings, deposit, and lending facilities, offering customers the latest information to support their savings and borrowing decisions.

The bank stated that the updated interest rate framework is designed to align with prevailing market conditions, balance institutional fund costs, and offer structured choices for retail and institutional clients.

KEY HIGHLIGHTS OF HIMALAYAN BANK INTEREST RATE REVISION

The adjustments reflect the broader shifts in liquidity management within Nepals banking sector. The structured schedules outline varying yields based on account types, specific tenures, and foreign currencies.

The latest interest rate announcement details a comprehensive product lineup, focusing on local currency savings, multi tenure fixed deposits, and specialized credit options:

LOCAL CURRENCY SAVINGS DEPOSIT SCHEMES

Himalayan Bank Limited has updated its local currency savings portfolios with competitive percentage rates per annum. The yields for individual saving accounts include:

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• LCY Savings Normal, LCY Savings Himal, LCY Savings Bishesh, Family Savings, Mero Pahilo Bachat Khata, Special Payroll Account, and Daughter of Karnali Province offer 2.750 percent.
• Social Security Account, PMS Saving Account, Premium Savings Account, and Shareholder Savings offer 2.800 percent.
  Super Premium Savings Account offers 3.000 percent.
• HBL Nari Bachat, Subidha Savings Account, and Exclusive Privilege Savings Account offer 3.250 percent.
  Himal Remit Savings offers the highest local currency return in this segment at 4.250 percent.

LOCAL CURRENCY FIXED DEPOSIT RATES

The bank has updated its fixed deposit return values for both individual and institutional clients based on differing investment timeframes:

• For short term tenures, the 3 Month, 6 Month, and 9 Month fixed deposits provide 2.800 percent, 2.800 percent, and 2.900 percent respectively for individuals. For institutions, the 6 Month rate is 2.750 percent and the 9 Month rate is 2.750 percent.
• The 1 Year Upto 2 Years tenure provides 3.000 percent for individuals and 2.750 percent for institutions.
• The Above 2 Years Upto 5 Years tenure offers 3.500 percent for individuals and 3.250 percent for institutions.
• The Long term Above 5 Years Upto 10 Years tenure provides 4.000 percent for individuals and 3.500 percent for institutions.
• Special offerings like the 3 Years Recurring Deposit and 7 Years Recurring Deposit for EV Clients provide 3.250 percent for individual investors.

REMITTANCE FIXED DEPOSITS AND FOREIGN CURRENCY ACCOUNTS

To encourage foreign currency tracking and remittance inflows, the bank features specific brackets for HimalRemit and foreign currency savings:

• Himal Remit Fixed Deposits offer 3.800 percent for 3 Months and 6 Months, 3.900 percent for 9 Months, 4.000 percent for 1 Year Upto 2 Years, 4.500 percent for Above 2 Years Upto 5 Years, and up to 5.000 percent for Above 5 Years Upto 10 Years for individuals.
• Foreign Currency Savings Deposits per annum provide 2.000 percent for USD, 1.500 percent for GBP, 0.750 percent for EURO, 1.750 percent for AUD, 2.750 percent for CAD, 0.500 percent for JPY, and 3.750 percent for CNY.

CREDIT STRATEGY AND SYSTEM BASE RATE METRICS

The financial notice from Himalayan Bank Limited states that its applicable base rate for Asadh 2083, calculated as the average of Chaitra 2081, Baisakh, and Jestha 2082, stands at 5.39 percent. This rate serves as the core benchmark for calculating floating loan and advance options across its commercial, business, and retail portfolios.

The lending segments are separated into Premier and Standard brackets. For instance, Premier Home Loans up to 10 years are priced at Base Rate plus a premium ranging from 0.50 percent to 2.50 percent per annum, while Standard Home Loans up to 10 years are priced at Base Rate plus a premium ranging from 2.50 percent to 4.00 percent per annum. This structured risk premium model allows different customer segments to choose loans according to their credit rating and financial needs.

Additionally, the bank highlights various fixed rate retail and consumer personal loans to provide certainty to borrowers. Fixed rates for loans up to 7 years are set at 6.750 percent for Home Loans, 6.750 percent for Hire Purchase Private, 7.000 percent for Subidha Loans, and 6.750 percent for Education Loans. Secured personal mortgage loans up to 7 years are offered at a fixed rate of 7.750 percent, providing stable choices amidst market fluctuations.

For More: Himalayan Bank Revises Interest Rates