Mahalaxmi Bikas Bank Interest Rates Effective From September 17, 2026 (1st Ashwin, 2083): Complete Guide

16th September 2026, Kathmandu

Mahalaxmi Bikas Bank Limited has updated its interest rate structure effective from September 17, 2026 (1st Ashwin, 2083).

Mahalaxmi Bank New Interest Rates

This guide outlines interest rates across savings accounts, recurring deposits, fixed deposits, floating loans, fixed-rate loans, and key bank terms.

Savings Accounts

Mahalaxmi Remittance Bachat offers 3.75% per annum with a minimum balance of NPR 100, posted quarterly.

Mahalaxmi Samriddhi Bachat requires NPR 100 minimum balance and yields 2.75% per annum quarterly. Staff Salary Account offers 2.75% per annum quarterly. Mahalaxmi Dollar Account (Saving/Fixed) yields 2.75% per annum quarterly. Mahalaxmi PMS Khata yields 2.75% per annum posted monthly. Mahalaxmi Karmachari Bachat Khata yields 2.75% per annum quarterly.

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Mahalaxmi Investor’s Share Saving Account (All in One) offers 2.75% per annum quarterly. Mahalaxmi Grihalaxmi Bachat requires NPR 100 and yields 2.75% per annum quarterly. Mahalaxmi Student Saving Account requires NPR 100 and yields 2.75% per annum quarterly.

Mahalaxmi Jestha Nagarik Bachat requires NPR 100 and offers 2.75% per annum quarterly. Mahalaxmi Baal Bachat Khata requires NPR 100 and yields 2.75% per annum quarterly. Mahalaxmi Bhukampa Pidit Account, Mahalaxmi Samajik Surakshya Account, and Mahalaxmi Online Saving each yield 2.75% per annum quarterly.

Margin Locker Account requires a minimum balance of NPR 1,000 and offers 2.75% per annum quarterly. Mahalaxmi Normal Saving Account yields 2.75% per annum quarterly.

Recurring Deposit Accounts

• Mahalaxmi Kramik Bachat Khata offers an interest rate of 2.80% per annum posted quarterly.
• Mahalaxmi Baal Bachat Recurring Deposit Account offers an interest rate of 2.80% per annum posted quarterly.

Individual Fixed Deposits

• For 1 Year to below 2 Years, in-person deposits earn 2.80% per annum, while deposits through the Mahalaxmi Smart Sathi-Mobile App earn 2.90% per annum, posted quarterly.
• For 2 Years to below 3 Years, in-person deposits earn 3.20% per annum, while mobile app deposits earn 3.30% per annum, posted quarterly.
• For 3 Years to below 5 Years, in-person deposits earn 3.70% per annum, while mobile app deposits earn 3.80% per annum, posted quarterly.
• For 5 Years and above, in-person deposits offer 4.30% per annum posted quarterly, while mobile app option is Not Applicable. The maturity period of FD should not exceed more than 10 years, and the minimum fixed deposit amount should not be less than NPR 10,000.

Institutional Fixed Deposits and Akshay Kosh

• For Institutional Fixed Deposits, 1 Year to below 2 Years offers 2.75% per annum posted quarterly.
• Tenures of 2 Years to below 3 Years yield 2.90% per annum posted quarterly.
• Tenures of 3 Years to below 5 Years offer 3.20% per annum posted quarterly.
• Tenures of 5 Years and above yield 4.25% per annum posted quarterly.
• Akshay Kosh rates are Negotiable with quarterly payment frequency.

Floating Interest Rates on Loans and Advances

• Business OD / Industrial OD / Working Capital / Short Term Loan rates are set at Base rate + upto 3.75%.
• Business / Industrial Term Loan and Mahalaxmi Udhyamshil Karja / Other Business Loan carry Base rate + upto 3.75%.
• Auto Loan, Hire Purchase Loan, Education Loan, and Home Loan rates are Base rate + upto 3.75%.
• Gold and Silver Loan and Loan Against Shares carry Base rate + upto 3.75%.
• Deprived Sector Loan (Institutional) is Negotiable, while Deprived Sector Loan (Individual) is Base rate + upto 3.75%.
• Agriculture Loan (Term/OD), Personal Loan (Term/OD) / Home Equity Loan, and Other Loan carry Base rate + upto 3.75%.
• Loan Against Fixed Deposit (Own) is Coupon Rate + 2%. Loan Against Government / NRB Securities is Coupon Rate + 2%. Consortium Loan rates are As per Consortium Decision.

Fixed Interest Rates on Loans

• Green Home Loan fixed rate ranges from 6.49% to 9.99%.
• Green Auto Loan fixed rate ranges from 6.49% to 9.99%.
• Other Term Loan including Business Loan fixed rate ranges from 5.99% to 9.99%.
• SME Revolving Loan fixed rate is set at 5.99%.

Financial Indicators and Bank Notes

• Base rate (Average) stands at 5.65%. Base Rate (Shrawan 2083) stands at 5.64%. Interest Spread is 4.15%.
• Penal interest will be charged as per Nepal Rastra Bank circular.
• Customers availing personal term loans above 1 year tenure will have the option to choose between fixed and floating rate.
• Call Deposit interest rates shall be as per Nepal Rastra Bank guidelines.
• Rate on remittance fixed term deposit shall be as per Nepal Rastra Bank guidelines.

For More: Mahalaxmi Bank New Interest Rates