Nabil Bank Revises Interest Rates Effective from July 17, 2026 (Shrawan 1, 2083)

16th July 2026, Kathmandu

Nabil Bank Limited has released a revised interest rate schedule for its deposit and lending products, effective from July 17, 2026, which corresponds to Shrawan 1, 2083.

Nabil Bank Revises Interest Rates

The updated rates apply to a range of savings accounts, deposit schemes, and loan facilities, reflecting the banks latest pricing review and providing customers with current borrowing and investment benchmarks.

The bank stated that the new interest rate framework is designed to align with prevailing market conditions, balance institutional fund costs, and offer structured choices for retail and institutional clients.

KEY HIGHLIGHTS OF NABIL BANK INTEREST RATE REVISION

The adjustments reflect the broader shifts in liquidity management within Nepals banking sector. The structured schedules outline varying yields based on account types, specific tenures, and foreign currencies.

The latest interest rate announcement details a comprehensive product lineup, focusing on local currency savings, multi tenure fixed deposits, and specialized credit options:

LOCAL CURRENCY SAVINGS DEPOSIT SCHEMES

Nabil Bank Limited has updated its local currency savings portfolios with competitive percentage rates per annum. The yields for individual saving accounts include:

• Nabil General Savings Account, Nabil Premium Nari Bachat Khata, Nabil Corporate Staff Savings Account, Nabil Jyestha Nagarik Khata, Nabil Bal Bachat Khata, Nabil Karmachari Bachat Khata, Nabil Social Security Savings Account, Nabil Guran S Account, Nabil Sahayogi Khata, and Corporate General Savings offer 2.75 percent.
• Nabil Gee Alpha Account and Nabil Digo Bachat Khata offer 2.75 percent.
• Nabil Shareholders Savings Account, Nabil Premium Payroll Savings Account, and Corporate Premium Savings offer 2.77 percent.
• Nabil Gold Savings Account, Corporate Super Savings, Nabil Gold Payroll Savings, and Nabil Dhukku Bachat Khata offer 2.80 percent.
• Nabil Premium Remittance Savings Account offers the highest local currency return in this segment at 3.80 percent.

LOCAL CURRENCY FIXED DEPOSIT RATES

The bank has updated its fixed deposit return values for both individual and institutional clients based on differing investment timeframes. For individual normal fixed deposits, the interest rates are structured as follows:

• Three months to below 6 months offers 2.80 percent.
• Six months to 1 year offers 2.85 percent.
• Above 1 year to 2 years offers 3.60 percent.
• Above 2 years to 5 years offers 3.85 percent.
• Above 5 years to 10 years offers 4.00 percent.
• Above 10 years offers 4.55 percent.

For individual remittance fixed deposits, the rates are higher to encourage foreign inflows: 3.80 percent for 3 months to below 6 months, 3.85 percent for 6 months to 1 year, 4.00 percent for above 1 year to 2 years, 4.25 percent for above 2 years to 5 years, 5.00 percent for above 5 years to 10 years, and 5.55 percent for above 10 years.

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For institutional fixed deposits, the rates are 2.75 percent for 6 months to 1 year, 2.75 percent for above 1 year to 2 years, 2.85 percent for above 2 years to 5 years, 2.95 percent for above 5 years to 10 years, and 3.01 percent for above 10 years.

FOREIGN CURRENCY DEPOSIT OPTIONS

To accommodate international transactions and foreign currency savers, the bank provides competitive rates on foreign currency saving, fixed, and call deposits for currencies like United States Dollar, Euro, Great Britain Pound, Japanese Yen, and Australian Dollar.

For United States Dollar saving deposits, the rate is 1.50 percent, Nabil USD Special Savings Account offers 1.75 percent, and Nabil USD Elite Savings Account offers 2.25 percent. United States Dollar fixed deposits offer 3.25 percent for 3 to 6 months, 3.00 percent for above 6 to 12 months, and 2.75 percent for above 12 months.

• For Great Britain Pound saving deposits, the rate is 1.50 percent, and fixed deposits offer 2.00 percent.
• For Euro saving deposits, the rate is 0.25 percent, and fixed deposits offer 0.50 percent.
• For Japanese Yen saving deposits, the rate is 0.10 percent, and fixed deposits offer 0.50 percent.
• For Australian Dollar saving deposits, the rate is 0.50 percent, and fixed deposits offer 0.50 percent.

CREDIT STRATEGY AND SYSTEM BASE RATE METRICS

The financial notice from Nabil Bank Limited states that its average base rate applicable for Ashodh 2083, which represents the last three months average, stands at 4.53 percent. This rate serves as the core benchmark for calculating floating loan and advance options across its commercial, business, and retail portfolios. The interest spread rate for the month of Jestha 2083 is maintained at 3.29 percent.

The lending segments are separated into Business Loans and Retail Loans with specific premiums over the base rate. For instance, business loans for the directed sector such as energy and agriculture have a prime premium of 0.25 to 2.25 percent and a standard premium of 1.50 to 2.25 percent. Working capital loans like cash credit, demand loans, and overdrafts have a prime premium of 0.50 to 2.50 percent for corporates and 0.75 to 2.75 percent for small and medium enterprises.

Retail loans include sustainable housing loans, affordable housing loans, housing loans, and education loans. Fixed rate retail loan products are also introduced, such as a fixed rate education loan at 9.99 percent. Fixed rate retail loans up to 5 years offer auto loans at 9.99 percent and commercial auto loans at 12.00 percent. Mortgage loans up to 25 million rupees are offered at 8.49 percent for up to 5 years, 9.99 percent for above 5 years to 10 years, and 10.49 percent for above 10 years to 15 years. This structured pricing helps borrowers predict their long term financial obligations.

The strategic alignment of Nabil Bank interest rates ensures that the financial institution maintains healthy margins while expanding its credit reach. By lowering deposit costs in response to market liquidity, the bank passes on the benefits to retail and institutional borrowers through competitive loan pricing. This mechanism plays a critical role in boosting economic activities by making funds accessible for infrastructure projects, entrepreneurship, and personal financing.

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