Nabil Bank Nepal Announces New Deposit And Lending Rates Effective From May 15 2026

14th May 2026, Kathmandu

Nabil Bank Limited has officially released its updated interest rate schedule for various deposit and lending products. These new rates are set to take effect from May 15, 2026, which corresponds to the 1st of Jestha 2083.

Nabil Bank Interest Rates

The revision provides a comprehensive look at the returns for local currency (LCY) and foreign currency (FCY) deposits, as well as the premium rates for a wide range of business and retail loans. As a leading financial institution in Nepal, Nabil Bank’s latest updates serve as a key reference for customers planning their financial activities for the new month.

Detailed LCY Savings and Fixed Deposit Rates

The bank offers a diverse portfolio of local currency saving accounts with competitive annual interest rates. Standard accounts such as Nabil General Savings, Nabil Premium Nari Bachat Khata, and Nabil Jestha Bachat Khata offer a rate of 2.75 percent. Specialized accounts like Nabil Gold Savings Account and Nabil Dhukka Bachat Khata provide slightly higher returns of 2.80 percent and 2.90 percent, respectively, while the Nabil Premium Remittance Savings Account leads with 3.00 percent. For fixed deposits, individual rates range from 3.00 percent for 3 to 6 months up to 4.55 percent for periods above 10 years, with remittance based fixed deposits receiving a 1 percent premium across all tenors.
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Foreign Currency Deposit and NRN Options

Nabil Bank provides various options for depositors holding foreign currencies, including USD, GBP, EUR, JPY, and AUD. Individual USD savings rates vary from 1.50 percent to 2.25 percent depending on the account type, such as the Nabil USD Elite Savings A/c. USD fixed deposits for terms above 12 months offer a return of 2.75 percent. The bank also features specialized fixed deposits for Non Resident Nepalese (NBN) with a minimum tenor of one year, offering 3.50 percent for USD and 2.25 percent for GBP and AUD. These international currency options are designed to facilitate global financial management for the bank’s diverse clientele.
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Business and Corporate Lending Structures

On the lending side, Nabil Bank utilizes a base rate plus premium structure to determine interest costs. The average base rate applicable for Baishakh 2083 is 6.63 percent. For business loans in directed sectors like energy and agriculture, the premium over the base rate typically ranges from 0.25 percent to 2.25 percent. Working capital loans for corporate and SME clients carry premiums between 0.50 percent and 3.25 percent. This structured approach allows the bank to offer tailored financing solutions for various industries, including hospitality, building construction, and export finance.
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Retail Loan Portfolio and Fixed Rate Options

Individual borrowers can access a wide array of retail products with both floating and fixed interest rate options. Floating rates for housing and mortgage loans feature premiums ranging from 0.50 percent to 3.25 percent over the base rate. For those seeking repayment certainty, the bank offers fixed rate retail products. For instance, a fixed rate home loan under Nabil Dhukka Ghar Karja is available at 8.99 percent for 7 years or 9.49 percent for 10 years. Other fixed rate options for auto and education loans are also available, with the education loan fixed at 9.99 percent.
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General Notes and Regulatory Compliance

Nabil Bank remains committed to transparency and regulatory adherence in its financial operations. The effective loan interest rates are automatically revised on the 1st of every month based on changes in the average base rate. The bank also specifies a 2 percent penal interest rate for overdue or expired loans. Interest rates for subsidy loans and foreign currency loans are determined in line with Nepal Rastra Bank (NRB) guidelines. These comprehensive disclosures ensure that both depositors and borrowers have the information necessary to navigate the financial landscape effectively.

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