Kamana Sewa Bikas Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

Kamana Sewa Bikas Bank Limited has officially updated its interest rate structures across all local currency savings, recurring tracks, fixed term placements, and diverse corporate and retail credit portfolios.

KSBBL Updates Interest Rates

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashad 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, with all interest earnings distributed on a consistent quarterly timetable.

• Normal Saving Account: 2.75 percent per annum
• Kamana Sewa Pragati Bachat Khata Silver: 2.75 percent per annum
• Sabal Nari Bachat Khata: 2.75 percent per annum
• Salary Saving Account: 2.75 percent per annum
• Shareholder Saving Account: 2.75 percent per annum
• Bal Bachat Khata Child Saving: 2.75 percent per annum
• Samajik Surakchya Saving Account: 2.75 percent per annum
• Swabhiman Bachat Khata: 2.75 percent per annum
• Provident Fund Saving Account: 2.75 percent per annum
• Other General Saving Accounts: 2.75 percent per annum
• Kamana Sewa Pragati Bachat Khata Gold: 2.80 percent per annum
• Timrai Lagi Saving Account: 2.80 percent per annum
• Kamana Sewa Pragati Bachat Khata Platinum: 2.90 percent per annum
• Bishista Bachat Khata: 2.90 percent per annum
• KS PMS Saving Account: 3.00 percent per annum
• AlphaGrow Saving Account: 3.00 percent per annum
• Staff Saving Account: 3.00 percent per annum
• Foreign Employment Saving Account: 4.00 percent per annum
• Remittance Saving Account: 4.00 percent per annum
• Liquid Call Account Placements: Up to 1.375 percent per annum

Local Currency Fixed Deposit and Recurring Investment Tiers

Rupee denominated fixed placement opportunities are split between individual savers, corporate institutional funds, and recurring deposit programs.

Advertisement

• Individual Fixed Deposits from 3 Months and below 6 Months: 2.75 percent per annum
• Individual Fixed Deposits from 6 Months and below 12 Months: 2.75 percent per annum
• Individual Fixed Deposits from 1 Year and below 2 Years: 2.75 percent per annum
• Individual Fixed Deposits from 2 Years and below 3 Years: 3.00 percent per annum
• Individual Fixed Deposits from 3 Years and below 4 Years: 3.15 percent per annum
• Individual Fixed Deposits from 4 Years and below 5 Years: 3.15 percent per annum
• Individual Fixed Deposits lasting 5 Years and Above: 4.66 percent per annum
• Timrai Lagi 6 Months Fixed Deposit Track: 2.75 percent per annum flat rate
• Timrai Lagi 1 Year and Above Fixed Deposit Track: 2.75 percent per annum flat rate
• Institutional Fixed Deposits from 1 Year and below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits from 2 Years and up to 3 Years: 2.75 percent per annum
• Institutional Fixed Deposits extending above 3 Years: 3.50 percent per annum
• Standard Recurring Deposits: 2.75 percent per annum with quarterly interest distribution

Floating Credit Portfolios and Maximum Premium Spreads

Floating rate lending lines are priced via a specific premium margin applied on top of the operational base rate, which stands at 5.66 percent per annum as of Baishakh 2083.

• Loans Backed by Own Fixed Deposit Receipts: Underlying coupon rate plus 2.00 percent premium or base rate plus 2.00 percent premium, whichever matches the higher calculation
• Deprived Sector Micro Finance Lending Lines: Base rate plus a premium spread up to 4.00 percent
• All Other Loans and Commercial Advances: Base rate plus a premium spread up to 5.00 percent
• Consortium Corporate Loan Operations: Pricing structures are governed entirely by independent consortium bank decisions

Fixed Interest Rate Options for Personal Term Loans

Individual retail borrowers can access long term personal term loans at guaranteed flat rates to protect against base rate adjustments.

• Personal Term Loans with a Maturity up to 7 Years: 7.99 percent per annum fixed rate
• Personal Term Loans with a Maturity from more than 7 Years up to 10 Years: 9.49 percent per annum fixed rate
• Personal Term Loans with a Maturity extending above 10 Years: 9.99 percent per annum fixed rate

Operational Reference Mandates and Policy Guidelines

Operational parameters, financial incentives, and regulatory constraints ensure full compliance with active central banking frameworks.

• Base Rate for Baishakh 2083 baseline metric: 5.66 percent per annum
• Interest Rate Spread benchmark for Baishakh 2083: 4.07 percent per annum
• Remittance Sourced Premium Multipliers: Inbound remittance funded fixed deposits automatically qualify for an additional 1.00 percent premium over standard individual fixed deposit rates
• Green Financing Product Concessions: Eligible environmental initiatives receive a 0.25 percent reduction on the published credit premium spreads
• Regulatory Compliance Mandate: All alternative financial rates not explicitly published remain bound to current directives issued by Nepal Rastra Bank

For More: KSBBL Updates Interest Rates