Nabil Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

14th June 2026, Kathmandu

Nabil Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed placement tiers, and diverse corporate and retail credit portfolios.

Nabil Bank Interest Rates

The newly announced rates take effect on June 15 2026. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured premium choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings Deposit Portfolio Tiers

Nabil Bank offers various local currency saving options with fixed yields assigned based on target account types.

• Nabil General Savings Account: 2.75 percent per annum
• Nabil Premium Nari Bachat Khata: 2.75 percent per annum
• Nabil Corporate Staff Savings Account: 2.75 percent per annum
• Nabil Jestha Bachat Khata: 2.75 percent per annum
• Nabil Bal Bachat Khata: 2.75 percent per annum
• Nabil Karmashil Bachat Khata: 2.75 percent per annum
• Nabil Social Security Savings Account: 2.75 percent per annum
• Nabil Gen N Account: 2.75 percent per annum
• Nabil Sahuliyat Khata: 2.75 percent per annum
• Corporate General Savings: 2.75 percent per annum
• Nabil Gen Alpha Account: 2.75 percent per annum
• Nabil Digo Bachat Khata: 2.75 percent per annum
• Nabil Shareholders Savings Account: 2.77 percent per annum
• Nabil Premium Payroll Savings Account: 2.77 percent per annum
• Corporate Premium Savings: 2.77 percent per annum
• Nabil Gold Savings Account: 2.80 percent per annum
• Corporate Super Savings: 2.80 percent per annum
• Nabil Gold Payroll: 2.80 percent per annum
• Nabil Dhukka Bachat Khata: 2.80 percent per annum
• Nabil Premium Remittance Savings Account: 3.80 percent per annum

Local Currency Fixed Deposit Investment Tiers

Individual and corporate institutional fixed funds are separated by commitment timelines and specific funding sources.

• Normal Individual 3 to 6 Months: 2.80 percent per annum
• Normal Individual Above 10 Years: 4.55 percent per annum
• Remittance Individual Minimum Track: 3.80 percent per annum
• Remittance Individual Maximum Track: 5.55 percent per annum
• Normal Cumulative Fixed Deposits 1 Year: 2.85 percent per annum
• Remittance Cumulative Fixed Deposits 1 Year: 3.85 percent per annum
• Institutional Fixed Deposits 6 Months to 1 Year: 2.75 percent per annum
• Institutional Fixed Deposits Above 10 Years: 3.01 percent per annum
• Nabil Akshaya Kosh Muddati Placements: Open for independent negotiation

Foreign Currency Savings, Call, and Fixed Deposit Structures

International reserve accounts deliver structured yields across diverse global currencies and specialized non resident accounts.

• Standard US Dollar Saving Track: 1.50 percent per annum
• Nabil US Dollar Special Savings Account: 1.75 percent per annum
• Nabil US Dollar Elite Savings Account: 2.25 percent per annum
• Standard US Dollar Fixed Deposits: 2.75 percent to 3.25 percent per annum depending on maturity
• Standard US Dollar Call Placements: Up to 0.75 percent per annum
• Great Britain Pound Saving Track: 1.50 percent per annum
• Great Britain Pound Fixed Deposits: 2.00 percent per annum
• Great Britain Pound Call Placements: Up to 0.75 percent per annum
• Euro Saving Track: 0.25 percent per annum
• Euro Fixed Deposits: 0.50 percent per annum
• Euro Call Placements: Up to 0.12 percent per annum
• Japanese Yen Saving Track: 0.10 percent per annum
• Japanese Yen Fixed Deposits: 0.50 percent per annum
• Japanese Yen Call Placements: Up to 0.05 percent per annum
• Australian Dollar Saving Track: 0.10 percent per annum
• Australian Dollar Fixed Deposits: 0.50 percent per annum
• Australian Dollar Call Placements: Up to 0.05 percent per annum
• Non Resident Nepalese US Dollar Fixed Deposits: 3.50 percent per annum
• Non Resident Nepalese Great Britain Pound Fixed Deposits: 2.25 percent per annum
• Non Resident Nepalese Australian Dollar Fixed Deposits: 2.25 percent per annum

Floating Credit Premium Rates and Specialized Business Packages

Floating rate business loans and targeted commercial facilities are priced via risk premium ranges applied above the operational base rate.

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• Standard Corporate Education Loans: 3.00 percent to 5.00 percent premium spread
• Personal Overdraft Credit Facilities: 1.50 percent to 3.50 percent premium spread
• Corporate Employee Personal Loans: 0.00 percent to 2.00 percent premium spread
• Nabil Professional Loan Packages: 3.50 percent to 4.00 percent premium spread
• Secured Gold Loan Credit Lines: 3.00 percent to 5.00 percent premium spread
• Nabil Fone Loan Unsecured Digital Track: 5.00 percent premium spread
• Nabil Sajilo Express Karja Business Lines: 1.00 percent to 3.00 percent premium spread
• Nabil Kishan Karja Development Lines: 0.00 percent to 2.00 percent premium spread
• Nabil Udhyamshil Karja Enterprise Tracks: 1.50 percent to 3.50 percent premium spread
• Nabil Skill Migrant Entrepreneurship Loan: 1.00 percent to 3.00 percent premium spread
• Corporate Prime Cash Credit Option: 0.50 percent to 2.50 percent premium spread
• Corporate Standard Cash Credit Option: 1.50 percent to 2.50 percent premium spread
• Corporate Prime Export Finance Track: 1.00 percent to 3.00 percent premium spread
• Corporate Standard Export Finance Track: 2.00 percent to 3.00 percent premium spread
• Corporate Prime Commercial Term Loans: 1.00 percent to 3.00 percent premium spread
• Corporate Standard Commercial Term Loans: 2.00 percent to 3.00 percent premium spread

Directed Sectors and Central Bank Subsidized Financing

Special premium limits are applied to national priority infrastructure projects and mandated target groups.

• Directed Sector Energy Prime Financing: 0.25 percent to 2.25 percent premium spread
• Directed Sector Energy Standard Financing: 1.50 percent to 2.25 percent premium spread
• Directed Sector Agriculture Prime Financing: 0.25 percent to 2.25 percent premium spread
• Directed Sector Agriculture Standard Financing: 1.00 percent to 2.25 percent premium spread
• Institutional Deprived Sector Credit wholesale lines: 0.00 percent to 2.00 percent premium spread
• Interest Subsidized Development Loans under central bank guidelines: 1.00 percent to 2.00 percent premium spread

Secured Paper and Asset Backed Financing Spreads

Financing secured against personal investments or alternative bank guarantees follows tight risk controls.

• Loans Backed by Own Nabil Bank Fixed Deposits: 0.50 percent to 2.00 percent premium spread over the coupon rate
• Loans Backed by First Class Commercial Bank Guarantees: 2.00 percent to 4.00 percent premium spread
• Loans Backed by Other External Bank Guarantees: 2.00 percent to 4.00 percent premium spread
• Loans Backed by Government Securities and National Bonds: 2.00 percent to 4.00 percent premium spread
• Local Currency Loans Backed by Foreign Currency Deposits: 2.00 percent to 4.00 percent premium spread
• Margin Lending Options or Loans Backed by Listed Shares: 1.00 percent to 3.00 percent premium spread

Fixed Interest Rate Retail Loan Products for Individuals

Individual retail lending tracks provide fixed interest terms to shield home buyers and motorists from market base rate shifts.

• Fixed Rate Retail Education Loans: 9.99 percent per annum across all maturities
• Mortgage Loans up to 25 Million NPR with a Maturity up to 5 Years: 8.49 percent per annum
• Mortgage Loans above 25 Million NPR with a Maturity up to 5 Years: 10.99 percent per annum
• Other General Retail Loan Options with a Maturity up to 5 Years: 11.99 percent per annum
• Private Auto Loans with a Maturity up to 5 Years: 9.99 percent per annum
• Commercial Vehicle Loans with a Maturity up to 5 Years: 12.00 percent per annum
• Private Auto Loans with a Maturity between 5 to 7 Years: 10.49 percent per annum
• Mortgage Loans up to 25 Million NPR with a Maturity between 5 to 10 Years: 9.99 percent per annum
• Mortgage Loans above 25 Million NPR with a Maturity between 5 to 10 Years: 11.49 percent per annum
• Mortgage Loans up to 25 Million NPR with a Maturity between 10 to 15 Years: 10.49 percent per annum
• Mortgage Loans above 25 Million NPR with a Maturity between 10 to 15 Years: 11.99 percent per annum
• Nabil Dhukka Ghar Karja Home Track Fixed for a 7 Year Horizon: 8.99 percent per annum
• Nabil Dhukka Ghar Karja Home Track Fixed for a 10 Year Horizon: 9.49 percent per annum

Fixed Rate Long Term Business Financing

Commercial enterprise fixed rate parameters give corporate managers clear visibility over future equipment and asset costs.

• Business Term Loans up to a 5 Year Maturity: 11.00 percent to 11.25 percent per annum
• Business Term Loans between a 5 to 10 Year Maturity: 11.25 percent to 11.50 percent per annum
• Business Term Loans extending above a 10 Year Maturity: 11.50 percent to 11.75 percent per annum

Foundational Parameters, Risk Regulations, and General Policies

Operational reference standards and risk penalties ensure full alignment with active central bank monitoring policies.

• Average Base Rate for Jestha 2083 rolling three month average: 4.58 percent per annum
• Local Currency Credit Interest Spread for the month of Baisakh 2083: 3.38 percent per annum
• Automated Loan Interest Adjustments: Processed on the first day of every local calendar month based on rolling base rate shifts
• Overdue Asset Risk Penalty: An automatic penal interest rate of plus 2.00 percent per annum applied to past due balances
• Foreign Currency Denominated Financing: Analyzed individually based on global market liquidity shifts and central bank limits

For More: Nabil Bank Interest Rates