Kumari Bank Interest Rates Effective From Ashwin 01, 2083 (September 17, 2026): Complete Guide

16th September 2026, Kathmandu

Kumari Bank Limited has published its updated interest rate structure effective from 01 Ashwin 2083 (17 September 2026).

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Kumari Bank New Interest Rates

This guide provides a full breakdown of local currency savings, fixed deposits, foreign currency options, floating loan margins, fixed rate loans, and official bank conditions.

LCY Saving Deposits

• Harek Herai Remit Bachat Khata offers an interest rate of 4.31% per annum. Kumari Remit IPO Saving Account offers 2.91% per annum. Kumari Remit Premium Saving Account yields 3.91% per annum.
• Chhori Bachat Khata offers 2.91% per annum. Kumari Silver Saving Khata yields 3.31% per annum. Green Savings Deposit Account offers 2.91% per annum. LCY Call Account provides up to 0.81% per annum, while Other Saving Products earn 2.75% per annum.

LCY Individual Fixed Deposits

• For 3 Months to below 2 Years, in-person deposits earn 2.75% per annum, while deposits made through the Kumari Smart Mobile App earn 2.80% per annum.
• For 2 Years and above, in-person deposits yield 3.43% per annum, while mobile app deposits earn 3.73% per annum.
• Fixed Deposit Plus / Recurring (1 Year to 5 Years) yields 2.75% per annum for in-person deposits and 2.80% per annum through the mobile app.

LCY Institutional Fixed Deposits

• For 6 Months to below 5 Years, institutional fixed deposits offer 2.75% per annum.
• For 5 Years and above, institutional fixed deposits yield 3.01% per annum.

Foreign Currency Deposits

• For EUR, Call Deposit pays 0.250% p.a., Saving Deposit pays 1.50% p.a., and Fixed Deposit (up to 1 year) pays 2.00% p.a.
• For GBP, Call Deposit pays 1.000% p.a., Saving Deposit pays 2.00% p.a., and Fixed Deposit (up to 1 year) pays 2.50% p.a.
• For AUD, Call Deposit pays 1.250% p.a., Saving Deposit pays 2.50% p.a., and Fixed Deposit (up to 1 year) pays 3.00% p.a.
• For CAD, Call Deposit pays 1.000% p.a., Saving Deposit pays 2.00% p.a., and Fixed Deposit (up to 1 year) pays 2.50% p.a.
• For JPY, Call Deposit pays 0.125% p.a., Saving Deposit pays 0.75% p.a., and Fixed Deposit (up to 1 year) pays 0.50% p.a.
• For CNY, Call Deposit pays 1.000% p.a., Saving Deposit pays 2.00% p.a., and Fixed Deposit (up to 1 year) pays 3.00% p.a.

USD Deposits and Fixed Rates

• For USD Deposit, Call Deposit pays 1.105% per annum and Saving Deposit pays 2.210% per annum.
• For USD Fixed Deposit with 6 Months tenor, Amount Up to 3 Million pays 3.26%, Above 3 Million to below 5 Million pays 3.71%, and Above 5 Million pays 3.81%.
• For USD Fixed Deposit with Above 6 Months tenor, Amount Up to 3 Million pays 3.76%, Above 3 Million to below 5 Million pays 4.27%, and Above 5 Million pays 4.31%. Other FCY Currencies / NRN FCY Fixed Deposits are Available on Request.

Floating Interest Rates on Loans

• Corporate Loan and Agriculture Loan carry a premium of Up to 2.00% over Base Rate. MSME / SME (Productive as per NRB) carries Up to 2.00%.
• MSME / SME (Others) – FWCL carries 1.00 to 3.00%. MSME / SME (Others) – PWCL / FTL carries 1.50 to 3.50%.
• Education Loan carries 2.50 to 4.00%. Deprived Sector carries Up to 2.00%. Home Loan carries 1.00 to 3.00%.
• Personal Term Loan carries 1.50 to 3.50%. Personal Overdraft Loan carries 2.00 to 4.00%. Auto Loan (Private) carries 1.00 to 3.00%.
• Hire Purchase (Commercial) carries 2.00 to 4.00%. Real Estate carries 2.00 to 4.00%. Margin Lending carries 2.00 to 4.00%. Corporate – Others carries 0.50 to 2.50%.
• Loan Against First Class Bank Guarantees carries Up to 2.00%. Loan Against Fixed Deposit carries (Coupon Rate) or (RABR+1) whichever is higher. Loan Against Government Securities carries (Coupon Rate) or (RABR+1) whichever is higher.
• Other Loan and Professional Loan carry 3.00 to 4.00%. FCY Denominated Loans and FCY TR Loan are Available on Request.

Fixed Interest Rates on Loans

• For Home Loan up to 7 Years, the fixed interest rate is 6.29% per annum.
• For Auto Loan up to 5 Years, the fixed interest rate is 6.49% per annum.
• For Other Individual Mortgage Loans (Term Loan) up to 7 Years, the fixed rate is 6.99% per annum.
• For SME/MSME up to 7 Years, the fixed rate is 6.49% per annum. Margin Lending fixed rate is 6.49% per annum.

Financial Indicators and Key Notes

• Base rate of Shrawan 2083 stands at 4.85%. Interest Spread Shrawan 2083 stands at 3.17%.
• Minimum balance, tenure period, and maturity period for various saving and term deposits shall be as per published rules. Interest rates on call deposits shall be adjusted as per market conditions.
• Subsidized rate loans shall be provided in accordance with Nepal Rastra Bank directives. To receive the additional 1% rate on Remittance Savings, proof of remittance source must be provided.
• Interest earned on recurring fixed deposit accounts will be deposited into the linked account. Inter-bank account transfers are allowed in multiples of NPR 100,000. Foreign currency term deposits require a minimum duration of 3 months or more for individuals and 6 months or more for institutions.

For More: Kumari Bank New Interest Rates