Muktinath Bikas Bank Limited New Interest Rates Effective From Shrawan 2083

16th July 2026, Kathmandu

Muktinath Bikas Bank Limited has published its latest interest rate structure for deposit and loan products effective from 1st Shrawan 2083.

Muktinath Bank Interest Rate Update

This update provides clear options for individual and institutional clients looking to manage their financial portfolios.

Deposit Options and Annual Interest Rates

The savings and fixed deposit structures are organized to cater to various customer segments. Interest on saving and call deposits is paid on a quarterly basis while fixed deposit interest can be received monthly or quarterly.

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Saving Deposit Accounts

• Muktinath Aashirwad Bachat Gold offers 2.95 percent per annum for existing customers.
• Muktinath Aashirwad Bachat Platinum offers 2.95 percent per annum for existing customers.
• All other standard savings accounts offer 2.75 percent per annum.
• Muktinath Sambriddhi Remit IPO Bachat Khata offers 3.75 percent per annum.
• Foreign currency deposits in US Dollars, Pounds, Euros, and Australian Dollars offer up to 1.00 percent per annum.

Call deposit accounts offer up to 1.00 percent per annum.

Fixed Deposit Tiers

• Three months tenure individual accounts offer 2.75 percent, institutional accounts offer 2.75 percent, and remittance accounts offer 3.75 percent per annum.
• Six months tenure individual accounts offer 2.75 percent, institutional accounts offer 2.75 percent, and remittance accounts offer 3.75 percent per annum.
• One year tenure individual accounts offer 2.75 percent, institutional accounts offer 2.75 percent, and remittance accounts offer 3.75 percent per annum.
• Two years tenure individual accounts offer 3.00 percent, institutional accounts offer 2.80 percent, and remittance accounts offer 4.00 percent per annum.
• Three to five years tenure individual accounts offer 3.75 percent, institutional accounts offer 3.00 percent, and remittance accounts offer 4.59 percent per annum.
• Above five years to ten years tenure accounts offer 3.40 percent per annum.

Akshaya Kosh or endowment fund accounts offer negotiable interest rates based on specific agreements.

Loan Products and Floating Interest Rates

Floating interest rates are calculated based on the three month average base rate of Jestha 2083 which stands at 5.64 percent. The interest spread for the same month is 4.30 percent. Premium rates are added to the base rate within specified ranges.

Agricultural and Inclusive Products

• Agriculture loans carry a premium between 0.50 percent and 2.00 percent.
• Micro enterprise loans carry a premium between 2.00 percent and 4.00 percent.
• Women entrepreneur loans carry a premium between 1.50 percent and 3.50 percent.
• Wholesale loans for microfinance carry a premium up to 2.00 percent.
• Wholesale loans for co-operatives carry a premium between 0.50 percent and 2.50 percent.
• Other deprived sector financing carries a premium between 2.00 percent and 4.00 percent.

Consumer Credit Lines

• Home loans carry a premium between 0.25 percent and 2.25 percent.
• Home equity loans carry a premium between 0.50 percent and 2.50 percent.
• Auto loans carry a premium up to 2.00 percent.
• Education loans carry a premium between 0.50 percent and 2.50 percent.
• Personal overdrafts carry a premium between 2.50 percent and 4.50 percent.
• Personal term loans carry a premium between 2.00 percent and 4.00 percent.
• Mortgage loans carry a premium between 2.00 percent and 4.00 percent.
• Share loans carry a premium between 0.50 percent and 2.50 percent.
• Professional loans carry a premium between 2.50 percent and 4.50 percent.
• Gold loans carry a premium between 2.50 percent and 4.50 percent.

Small and Medium Enterprise Products

• Small enterprise loans carry a premium between 1.00 percent and 3.00 percent.
• Medium enterprise loans carry a premium between 0.50 percent and 2.50 percent.
• Hire-purchase loans carry a premium between 1.00 percent and 3.00 percent.
• Demand loans carry a premium between 0.50 percent and 2.50 percent.
• Real estate loans carry a premium between 1.00 percent and 3.00 percent.
• Corporate and Infrastructure Finance
• Corporate or project loans carry a premium up to 2.00 percent.
• Energy loans carry a premium up to 2.00 percent.
• Corporate demand loans carry a premium between 0.50 percent and 2.50 percent.
• Corporate real estate loans carry a premium between 0.75 percent and 2.75 percent.

Fixed Interest Rate Loan Options

• For borrowers seeking predictable payment schedules, the bank provides fixed interest rates based on the maturity of the loan product.
• Financing up to three years carries an interest rate between 11.25 percent and 12.00 percent per annum.
• Financing above three years to seven years carries an interest rate between 12.50 percent and 13.25 percent per annum.
• Financing above seven years to ten years carries an interest rate between 13.50 percent and 14.00 percent per annum.

For More: Muktinath Bank Interest Rate Update