Laxmi Sunrise Bank Limited Announces New Deposit and Lending Interest Rates Effective From July 17 2026

16th July 2026, Kathmandu

Laxmi Sunrise Bank Limited one of the prominent commercial banking institutions in Nepal has officially published its revised interest rate framework for local currency savings term deposits foreign currency accounts and diverse credit facilities.

Laxmi Sunrise Announces New Rates 

According to the public notice released by the bank management the new financial rates come into full effect on July 17 2026 which aligns with the start of the new fiscal quarter. This comprehensive update outlines the yields for retail depositors institutional funds remittance earnings foreign currency asset options and premium margins for fixed consumer and commercial financing tools.

Local Currency Saving Deposit Structures and Yields

The bank has configured its Nepalese Rupee local currency savings accounts to cater to different segments of depositors including regular individual accounts salaried professionals corporate payroll accounts and remittance earners. The bank calculates interest earnings on call and saving accounts on a daily basis and distributes the accumulated payouts to depositors on a quarterly schedule.

The highest interest yield within the standard local currency savings portfolio is fixed at 3.80 percent per annum which is assigned specifically to the Remittance Savings account category to support citizens working overseas. A mid tier return of 2.80 percent per annum is offered to depositors holding the Premium Savings account structure. The standard baseline return of 2.75 percent per annum applies to both Basic Savings and Payroll Savings setups. Local currency call accounts offer flexible returns that remain subject to negotiation up to a maximum regulatory cap of 50 percent of the lowest active saving rate for the respective currency based on immediate market conditions.

Local Currency Term and Recurring Deposits

Local currency term deposits feature structured interest returns that vary based on the specific category of the depositor the investment timeline and whether the incoming capital originates from overseas remittance channels. The bank provides five distinct maturity periods ranging from 3 months up to more than 5 years. Interest earned on these fixed deposits can be distributed to accounts on a flexible monthly payout schedule if requested by the depositor.

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• For short term assets spanning 3 months to below 6 months institutional investors receive a flat rate of 2.80 percent per annum while individual retail depositors receive 3.80 percent per annum. No specialized personal remittance rate is defined for this short term period.
• For a timeline of 6 months to below 1 year institutional accounts earn 2.75 percent per annum individual deposits earn 2.90 percent per annum and the Personal Remittance tier yields 3.90 percent per annum.
• For term investments lasting 1 year to below 2 years the bank provides 2.75 percent per annum for institutions 3.00 percent per annum for standard personal deposits and 4.00 percent per annum for personal remittance accounts.
• Medium term assets lasting 2 years to below 5 years enjoy higher rates providing 3.00 percent per annum for institutional placement 3.50 percent per annum for individual retail savers and 4.50 percent per annum for specialized remittance portfolios.
• Long term funds committed for 5 years and above receive the maximum available fixed term yields with institutional placement getting 3.25 percent per annum standard individual retail deposits receiving 4.00 percent per annum and the Personal Remittance category hitting a top tier yield of 5.00 percent per annum. For alternative savings strategies Laxmi Sunrise Bank Limited offers a structured Recurring Deposit plan for terms up to 5 years which yields a uniform interest return of 3.50 percent per annum.

Foreign Currency Deposit Alternatives

Laxmi Sunrise Bank Limited provides full deposit capabilities for primary global currencies including the US Dollar Euro Great Britain Pound and Australian Dollar. These accounts offer separate interest configurations for saving tiers and term durations for both individual and institutional clients.

• US Dollar savings accounts provide a baseline interest yield of 2.50 percent per annum. For US Dollar term deposits maturing in below 1 year the individual term rate and institutional term rate are both fixed at 2.75 percent per annum. For a timeline of 1 year to below 2 years the US Dollar term yield rises to 3.00 percent per annum for both individual and institutional placement. Long term US Dollar term deposits locked for 2 years and above yield 3.25 percent per annum for both categories.
• Euro accounts deliver a standard savings return of 1.25 percent per annum individual term placement yields 3.00 percent per annum and institutional term accounts receive 2.00 percent per annum.
• Great Britain Pound deposits mirror this exact setup with a saving account return of 1.25 percent per annum an individual term rate of 3.00 percent per annum and an institutional term rate of 2.00 percent per annum.
• Australian Dollar accounts follow the same alignment providing a baseline savings rate of 1.25 percent per annum an individual term rate of 3.00 percent per annum and an institutional term rate of 2.00 percent per annum.

Lending Operations and Fixed Financing Packages

Borrowing rates and premium structures for loans and advances are calculated using the bank floating cost matrix and central bank regulations. The bank announced that premium rates on various local currency loans and advances remain unchanged from the previous cycle and a detailed breakdown of specific corporate commercial and specialized project margins is available for review on the official corporate website.

To protect retail and consumer borrowers from market interest fluctuations Laxmi Sunrise Bank Limited offers stable fixed rate financing alternatives. Individual clients can secure fixed lending rates ranging between 7.49 percent and 10.99 percent per annum. This stable fixed financing option applies directly to Home Loans Home Equity Loans Education Loans Auto Loans Personal Loans and specific Term Loans with repayment timelines extending up to 15 years.

Financial Disclosures and Corporate Contacts

The financial notice lists several verified regulatory metrics that reflect the operational standing of the institution. The average base rate of the bank computed across the three month period of Chaitra 2082 Baisakh 2083 and Jestha 2083 is officially declared at 5.16 percent. Additionally the official local currency spread rate calculated for the month of Jestha 2083 is recorded at 3.28 percent. All stated interest structures and financial options remain subject to specific corporate conditions and mandatory guidelines.

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