Nepal Bank Interest Rates Updated for Deposits and Loans 2083

13th April 2026, Kathmandu

Nepal Bank Limited has officially revised its deposit and lending interest rates effective from Baisakh 1, 2083.

Nepal Bank Interest Rates

The updated structure reflects current financial market dynamics and aims to balance attractive returns for depositors with competitive lending rates for borrowers across Nepal as of April 2026.

The revised Nepal Bank Interest Rates Updated announcement includes changes across savings accounts fixed deposits foreign currency deposits and a wide range of loan products. As the first bank of Nepal these updates set an important benchmark for the broader financial sector during the start of the 2083 and 2084 fiscal periods.

Updated Savings Deposit Interest Rates

Nepal Bank offers a diverse range of savings accounts with interest rates generally ranging between 2.75 percent and 4.00 percent per annum. These rates are designed to cater to various customer segments including youth women professionals and remittance earners.

Key Savings Highlights:

• Normal Savings: 2.75 percent
• NBL Diamond Saving Women Special Saving and Yuva Bachat Khata: Around 2.76 percent
• Remittance Savings and NBL Remittance IPO Saving: Up to 4.00 percent
• Staff Salary Savings: Up to 3.00 percent
• Specialized accounts: Mostly range between 2.75 percent and 2.77 percent

Fixed Deposit Interest Rates

The bank provides several tiers for fixed deposits based on the duration of the investment and the type of depositor.

Individual Fixed Deposits:

• 3 months to 1 year: 2.76 percent
• 1 to 2 years: 3.00 percent
• 2 to 5 years: 3.30 percent
• Above 5 years: 4.50 percent

Remittance Fixed Deposits:

• 3 months to 1 year: 3.76 percent
• 1 to 2 years: 4.00 percent
• 2 to 5 years: 4.30 percent
• Above 5 years: 5.50 percent

Institutional fixed deposits offer up to 3.00 percent for tenures above 2 years while recurring deposits such as the Samriddha Nari scheme follow the general rate structure of around 2.76 percent.

Foreign Currency and NRN Deposit Rates

Nepal Bank has also updated its foreign currency deposit rates to remain competitive in the international exchange market.

• USD Savings: 2.75 percent
• EURO Savings: 1.00 percent
• GBP Savings: 1.50 percent
• JPY Savings: 0.50 percent

For fixed deposits in USD GBP or AUD for up to 5 years the rate is approximately 3.25 percent. Non Resident Nepali deposits offer similar competitive returns depending on the specific currency and tenure chosen.

Loan and Lending Interest Rates Overview

Nepal Bank follows a Base Rate plus Premium model for most loan products. The base rate is adjusted periodically based on market conditions and the final rate depends on the premium added for the specific loan category.

Business and Industrial Loans:

• Industrial Loans: Base Rate + 0.75 percent to 2.75 percent
• Commercial Loans: Base Rate + 1.00 percent to 2.75 percent
• Real Estate Loans: Base Rate + 1.75 percent to 2.75 percent

Agricultural Loans:

• Subsidized and Non-subsidized: Base Rate + up to 2.00 percent

Special agriculture schemes like livestock and crop loans also fall within this range to support rural productivity.

Retail and Personal Loans:

• Home Loan: Base Rate + 2.42 percent
• Auto Loan: Base Rate + 3.00 percent to 3.50 percent
• Education Loan: Base Rate + 2.00 percent to 3.50 percent
• Personal Term Loan: Base Rate + 2.50 percent to 3.50 percent

Retail Term Loan Fixed Rates

For borrowers seeking predictability over the long term Nepal Bank has published fixed rates for selected retail loans. These options provide stability for tenures such as 5, 7, and 10 years.

• Home Loan (Nepalaxmi/Professional): Around 9.90 percent to 9.99 percent
• Auto Loan: Around 9.90 percent to 9.95 percent
• Personal Term Loan: Around 9.99 percent
• Education Loan: Around 9.90 percent

Key Highlights of the Baisakh 2083 Update

The updated structure focuses on providing targeted benefits to specific sectors of the economy:

• Savings rates are tiered to encourage long term accumulation.
• Remittance earners receive the highest returns peaking at 5.50 percent for long term FDs.
• Loan pricing is modernized through a transparent Base Rate plus Premium model.
• Retail loan fixed rates have been lowered to start from 9.90 percent.
• A wide range of products ensures that both small scale individuals and large industrial groups have access to credit.

Conclusion

The updated Nepal Bank Interest Rates Updated structure for Baisakh 2083 reflects a strategic balance between deposit mobilization and credit expansion. With competitive savings and fixed deposit rates alongside flexible lending options the bank continues to strengthen its position as a pillar of the financial sector in Nepal.

These revisions are expected to benefit both savers and borrowers while supporting overall economic activity through accessible financing and improved financial products in the year 2083. Customers are encouraged to contact their nearest branch for specific details regarding their accounts.

For More: Nepal Bank Interest Rates