Laxmi Sunrise Bank Interest Rates Effective From 17th September 2026: Complete Details

16th September 2026, Kathmandu

Laxmi Sunrise Bank Limited has officially updated its interest rate structures across all local and foreign currency savings, term deposits, and loans effective from 17th September 2026.

Laxmi Sunrise New Interest Rates

This comprehensive guide outlines the revised rates for individual, institutional, and remittance accounts as published by the bank.

Saving Deposits in NPR

• Basic Savings offers 2.75% per annum.
• Payroll Savings offers 2.75% per annum.
• Premium Savings offers 2.80% per annum.
• Remittance Savings offers 3.80% per annum.

Term Deposits in NPR

For Institutional Term Deposits, 6 months and below 1 year offers 2.75% per annum.

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• 1 year and below 2 years offers 2.75% per annum.
• 2 years and below 5 years offers 3.00% per annum.
• 5 years and above offers 3.25% per annum.

For Personal Term Deposits, 3 months and below 6 months offers 2.80% per annum.

• 6 months and below 1 year offers 2.90% per annum.
• 1 year and below 2 years offers 3.00% per annum.
• 2 years and below 5 years offers 3.50% per annum.
• 5 years and above offers 4.00% per annum.
• Recurring Deposits up to 5 years offers 3.50% per annum for personal accounts.

For Personal Remittance Term Deposits, 3 months and below 6 months offers 3.80% per annum.

• 6 months and below 1 year offers 3.90% per annum.
• 1 year and below 2 years offers 4.00% per annum.
• 2 years and below 5 years offers 4.50% per annum.
• 5 years and above offers 5.00% per annum.

Foreign Currency Deposits

• USD Saving Deposits offers 2.50% per annum.
• For USD Term Deposits below 1 year, both individual and institutional terms offer 2.75% per annum.
• For USD Term Deposits 1 year and below 2 years, both individual and institutional terms offer 3.00% per annum.
• For USD Term Deposits 2 years and above, both individual and institutional terms offer 3.25% per annum.
• EUR Deposits offers 1.25% per annum on savings, 3.00% per annum on individual terms, and 2.00% per annum on institutional terms.
• GBP Deposits offers 1.25% per annum on savings, 3.00% per annum on individual terms, and 2.00% per annum on institutional terms.
• AUD Deposits offers 1.25% per annum on savings, 3.00% per annum on individual terms, and 2.00% per annum on institutional terms.
• FCY Term Deposits through bidding are based on respective benchmark rates.

Loans and Advances in NPR

• Premium rates on loans and advances remain unchanged and are available on the official website.
• Fixed Rate for Home Loans, Home Equity Loans, Education Loans, Auto Loans, Personal Loans, and Term Loans for up to 15 years is set between 6.99% and 10.99%.

Financial Indicators and Notes

• Interest rate on Call and Saving accounts will be calculated on a daily basis and paid quarterly.
• Interest rate on Fixed deposits can be paid monthly.
• Interest rates on Call accounts are negotiable up to a maximum of 50% of the lowest saving rate of the respective currency and are subject to change based on market conditions.
• Average Base Rate for Jestha, Ashadh, and Shrawan 2083 is 4.99%.
• Local Currency Spread Rate for Shrawan 2083 is 3.30%.
• All rates are subject to applicable conditions.

For More: Laxmi Sunrise New Interest Rates