Kamana Sewa Bikas Bank Interest Rates Effective From 1st Ashwin 2083 (17th September 2026): Complete Guide

16th September 2026, Kathmandu

Kamana Sewa Bikas Bank Limited has updated its official interest rate structure effective from 1st Ashwin 2083 (17th September 2026).

Advertisement

Kamana Sewa New Interest Rates

This comprehensive guide details savings rates, fixed deposits, floating loan margins, fixed-rate loans, and key regulatory terms issued by the bank.

Savings Account Rates

• Normal Saving Account offers 2.75% per annum on a quarterly payment frequency.
• Kamana Sewa Pragati Bachat Khata (Silver) offers 2.75% per annum quarterly.
• Sabal Nari Bachat Khata offers 2.75% per annum quarterly.
• Salary Saving Account offers 2.75% per annum quarterly.
• Shareholder Saving Account offers 2.75% per annum quarterly.
• Bal Bachat Khata (Child Saving) offers 2.75% per annum quarterly.
• Samajik Surakchhya Saving Account offers 2.75% per annum quarterly.
• Swabhiman Bachat Khata offers 2.75% per annum quarterly.
• Provident Fund Saving Account offers 2.75% per annum quarterly.
• Other saving accounts offer 2.75% per annum quarterly.
• Kamana Sewa Pragati Bachat Khata (Gold) offers 2.80% per annum quarterly.
• Timrai Lagi Saving Account offers 2.80% per annum quarterly.
• Kamana Sewa Pragati Bachat Khata (Platinum) offers 2.80% per annum quarterly.
• Bishista Bachat Khata offers 2.80% per annum quarterly.
• KS PMS Saving Account offers 2.90% per annum quarterly.
• AlphaGrow Saving Account offers 3.00% per annum quarterly.
• Staff Saving Account offers 3.00% per annum quarterly.
• Foreign Employment Saving Account offers 4.00% per annum quarterly.
• Remittance Saving Account offers 4.00% per annum quarterly.
• Call Account provides Up to 1.375% per annum on a quarterly basis.

Fixed Deposit Products

• For Individual Fixed Deposits, 3 months and below 6 months offers 2.75% per annum.
• 6 months and below 12 months offers 2.75% per annum.
• 1 year and below 2 years offers 2.75% per annum.
• 2 years and below 3 years offers 3.00% per annum.
• 3 years and below 4 Years offers 3.15% per annum.
• 4 years and below 5 Years offers 3.15% per annum.
• 5 years and above offers 4.28% per annum.
• Timrai Lagi 6 months FD offers 2.75% per annum.
• Timrai Lagi 1 year and above FD offers 2.75% per annum. Interest for individual fixed deposits is paid monthly, quarterly, or at maturity.
• For Institutional Fixed Deposits, 1 year and below 2 years offers 2.75% per annum.
• 2 years and upto 3 years offers 2.75% per annum.
• Above 3 years offers 3.35% per annum. Interest for institutional fixed deposits is paid quarterly or at maturity.

Recurring Fixed Deposits

• Recurring Deposit offers an interest rate of 2.75% per annum with quarterly interest payment.

Loans with Floating Interest Rates

• Loan against FD rate is calculated as Coupon Rate + 2% or Base Rate + 2% whichever is higher.
• Consortium Loan interest rates are set As per consortium decision.
• Deprived Sector Loan rate is Base Rate + up to 4%.
• All others loans and advances carry Base Rate + up to 5%.

Loans with Fixed Interest Rates for Personal Term Loans

• Personal Term Loans Upto 7 Years carry a fixed rate of 8.99% per annum.
• Personal Term Loans More than 7 Years up to 10 Years carry a fixed rate of 9.49% per annum.
• Personal Term Loans Above 10 Years carry a fixed rate of 9.99% per annum.

Financial Indicators and Bank Conditions

• Average Base Rate of Last 3 Months stands at 5.52%.
• Interest Rate Spread Shrawan 2083 stands at 4.00%.
• For Remittance Fixed Deposit, an additional 1% Interest Rate shall be provided.
• Premium on interest rates on loans eligible under Green Financing Products shall be less by 0.25% on published interest rates of loan.
• Rates other than above shall be in compliance with the provision of Nepal Rastra Bank.
• For More: Kamana Sewa New Interest Rates