Kamana Sewa Bikas Bank Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083

16th July 2026, Kathmandu

Kamana Sewa Bikas Bank Limited has announced its revised annual deposit and loan interest rates, effective Shrawan 1, 2083, which corresponds to July 17, 2026.

KSBBL Announces Revised Interest Rates

The updated rate schedule covers a wide range of savings portfolios, multi-tenure fixed deposits, call accounts, and flexible lending packages.

The bank stated that the new interest rate framework is designed to align with current market liquidity conditions, provide balanced returns to depositors, and maintain a sustainable pricing model for borrowing clients across the country.

KEY HIGHLIGHTS OF KAMANA SEWA BIKAS BANK INTEREST REVISION

The shifting financial dynamics reflect structured asset liability management within the development banking sector of Nepal. The financial institution continues to manage its fund costs efficiently while offering tailored returns to diverse consumer segments.

The new interest rate schedules detail varied percentages per annum, focusing on domestic savings categories, multi-tiered fixed deposits, and specific lending premiums:

LOCAL CURRENCY SAVINGS AND CALL DEPOSIT RATES

Kamana Sewa Bikas Bank Limited has updated returns for local currency savers with standard quarterly payment frequencies. The yields for individual savings schemes are defined below:

• Normal Saving Account, Kamana Sewa Pragati Bachat Khata Silver, Sabal Nari Bachat Khata, Salary Saving Account, Shareholder Saving Account, Bal Bachat Khata Child Saving, Samajik Surakchhya Saving Account, Swabhiman Bachat Khata, Provident Fund Saving Account, and all other basic saving accounts offer 2.75 percent.
• Kamana Sewa Pragati Bachat Khata Gold and the Timrai Lagi Saving Account offer an interest rate of 2.80 percent.
• Kamana Sewa Pragati Bachat Khata Platinum, Bishista Bachat Khata, and KS PMS Saving Account provide an interest rate of 2.90 percent.
• The Staff Saving Account offers 3.00 percent.
• The AlphaGrow Saving Account, Foreign Employment Saving Account, and Remittance Saving Account provide the highest savings yield in this category at 4.00 percent.

Additionally, call deposit accounts yield up to 1.375 percent per annum depending on the specific account classification.

Advertisement

FIXED DEPOSIT AND RECURRING DEPOSIT RETURNS

The bank has structured explicit maturity timelines for individual, institutional, and recurring fixed deposit products with flexible monthly, quarterly, or maturity payment terms:

• For individual normal fixed deposits, tenures of 3 months and below 6 months, as well as 6 months and below 12 months, offer 2.75 percent.
• Individual tenures of 1 year and below 2 years, as well as 2 years and below 3 years, provide 3.00 percent.
• Individual tenures of 3 years and below 4 years, as well as 4 years and below 5 years, offer 3.15 percent.
• Individual tenures of 5 years and above offer the maximum standard fixed return of 4.59 percent.
• The specialized Timrai Lagi 6 months FD offers 2.75 percent, while the Timrai Lagi 1 year and above FD matches the respective standard slabs.
• Customers opening a Remittance Fixed Deposit will receive an additional 1 percent interest rate over the applicable fixed deposit slab for that tenure.
• For institutional fixed deposits, the bank offers 2.75 percent for 1 year and below 2 years, 2.75 percent for 2 years and upto 3 years, and 3.50 percent for tenures above 3 years. Recurring deposits are set uniformly at 2.75 percent per annum.

LOANS AND ADVANCES PRICING PLANS

Borrowing facilities are split into flexible floating options linked directly to the base rate and stable fixed interest rate models for personal term loans:

Floating interest rate options include Loans against FD at Coupon Rate plus 2 percent or Base Rate plus 2 percent, whichever is higher. Deprived Sector Loans carry a floating premium of Base Rate plus up to 4 percent, while all other standard loans and advances carry a premium of Base Rate plus up to 5 percent. Consortium Loans will be determined according to consortium decisions.

Fixed interest rate options for personal term loans provide predictable multi-year tracking: a tenure of up to 7 years is fixed at 8.99 percent per annum, more than 7 years up to 10 years is fixed at 9.49 percent per annum, and tenures above 10 years are locked at 9.99 percent per annum.

STRATEGIC MARGIN MANAGEMENT AND GREEN FINANCING MOTIVES

The latest financial disclosure from Kamana Sewa Bikas Bank Limited establishes its base rate as of Jestha 2083 at 5.60 percent. The interest rate spread for the month of Jestha 2083 is maintained at 4.00 percent, which perfectly demonstrates the bank’s adherence to the regulatory limits enforced by Nepal Rastra Bank while keeping credit lines accessible to industrial and retail clients.

A key highlight of the bank’s updated credit strategy is its strong alignment with sustainable banking practices. The bank has declared that the premium on interest rates for loans eligible under Green Financing Products shall be reduced by 0.25 percent against the published floating premium rates. This financial incentive encourages local entrepreneurs and industries to adopt eco-friendly technologies, clean energy projects, and resource-efficient processes, supporting carbon-neutral targets across Nepal.

Furthermore, the higher interest allocations of 4.00 percent for the Foreign Employment Saving Account and Remittance Saving Account, paired with the additional 1 percent premium on Remittance Fixed Deposits, highlight a clear goal to capture and channel remittance funds into the formal banking system. This mechanism stabilizes the financial reserves of the bank and provides a firm foundation for extending retail home financing, micro-credit lines, and infrastructure financing from its central office in Gyaneshwor, Kathmandu, across all its regional branch structures.

For More: KSBBL Announces Revised Interest Rates