Nepal Bank Interest Rates Effective From Ashwin 01, 2083 (September 17, 2026): Complete Guide

16th September 2026, Kathmandu

Nepal Bank Limited has published its updated interest rate notice effective from 1st Ashwin 2083.

Nepal Bank New Interest Rates 

This comprehensive guide outlines the interest rates on various savings schemes, fixed deposits, foreign currency accounts, floating lending rates, fixed-rate loans, and official bank conditions.

Savings Deposit Accounts

Normal Saving offers 2.76% per annum with a minimum balance of NPR 500.00. NBL Diamond Saving yields 2.77% per annum with a minimum balance of NPR 500.00. Women Special Saving provides 2.77% per annum with a minimum balance of NPR 500.00.

Yuva Bachat Khata, Santati Saving, NBL Staff Pension Saving, Remittance Saving, Investor’s Saving, Senior Citizens Special Saving, Professional’s Saving, and NBL Remittance IPO saving offer 2.76% to 4.02% per annum, with Remittance Saving leading at 4.01% and Remittance IPO saving at 4.02%.

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Life Security Saving provides 2.77% per annum or Negotiable. Pension Payment Saving, NBL Special Saving, Earthquake Relief Saving, TU Pension Saving, NBL Staff Salary Saving, Staff Salary Saving, Nari Samman Bachat Khata, Sambardhan Bachat Khata, Nagarik Bachat Khata, Samriddha Nepal Abhiyan Bachat Khata, Green Saving Account, Chhori (Bet) Kalyan Bachat Khata, Chhori Samriddhi Bachat Khata (Rukum West), Chhori Chhari Surakchya Bachat Khata, Baal Bikas Bachat Khata, NBL Shubha Gyan Bachat Khata, NBL Sahayatri Bachat Khata, NBL Pioneer Saving Deposit Account, and NBL Ex-Staff Saving Account range from 2.76% to 3.27% per annum.

Fixed Deposit Products

For Individual Fixed Deposits, 3M upto 1Y yields 2.76% per annum. Above 1Y upto 2Y offers 3.00% per annum. Above 2Y upto 5Y provides 3.50% per annum. Above 5Y upto 10Y offers 3.75% per annum, and Above 10Y yields 4.15% per annum.

For Institutional Fixed Deposits, 3M upto 1Y yields 2.75% per annum. Above 1Y upto 2Y provides 2.75% per annum. Above 2Y upto 4Y offers 2.80% per annum, and Above 4Y upto 10Y gives 3.00% per annum.

For Remittance Individual Fixed Deposits, 3M upto 1Y yields 3.76% per annum. Above 1Y upto 2Y offers 4.00% per annum. Above 2Y upto 5Y provides 4.50% per annum. Above 5Y upto 10Y offers 4.75% per annum, and Above 10Y yields 5.15% per annum.

Recurring and Other Deposit Schemes

• Recurring Deposit and Samriddha Non Recurring Deposit offer 2.76% per annum with zero minimum balance requirement.
• Employee Welfare Account provides 2.76% per annum. Akshay Kosh offers 2.76% or Negotiable with a minimum balance of NPR 25,000. NBL Trust Fund pays 2.75% per annum. Normal Call Deposit offers 0.20% per annum with a minimum balance of NPR 100,000.00.

Foreign Currency Deposits

• For FCY Saving Deposits, USD yields 2.75% (minimum USD 100), EURO offers 1.00% (minimum EUR 100), GBP provides 1.65% (minimum GBP 100), and JPY yields 0.50% (minimum JPY 100).
• For NRN Saving Deposits, USD offers 2.75% (minimum USD 100), GBP provides 1.50% (minimum GBP 300), and AUD offers 2.00% (minimum AUD 1000).
• For FCY Fixed Deposits up to 5 Years, USD yields 3.25%. For NRN Fixed Deposits up to 5 Years, USD offers 3.25%, GBP provides 3.25%, and AUD yields 3.25%. FCY Call Deposit for USD offers 1.25% (payable quarterly only).

Floating Interest Rates on Business and Commercial Loans

• Export Finance is set at BR + upto 1.00%. Pre/Post Shipment (NPR) is BR + upto 2.00%. Pre/Post Shipment (USD) is SOFR + upto 1.75%. Loan Against Bills Collection is BR + upto 2.00%.
• Trust Receipt (NPR) ranges from BR + 0.25% to 1.75%. Trust Receipt (NPR) For Trading is BR + upto 1.75%. Trust Receipt (USD) is SOFR + upto 2.00%.
• Business Term Loans for Industrial carry BR + 0.75% to 2.75%, Commercial For Trading carries BR + 1.75% to 2.75%, Real Estate Housing Plan carries BR + 1.75% to 2.75%, Real Estate Commercial Complex carries BR + 1.75% to 2.75%, and Hire Purchase Loan carries BR + 1.00% to 3.00%.
• Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/RWC/Contract Loan) carry BR + 0.25% to 2.25% for Industrial Working Capital, BR + 0.50% to 2.25% for Commercial Working Capital For Trading, and BR + 0.25% to 2.25% for NBL Permanent WC.

Special SME Loans and Subsidized Schemes

• Special SME Loans include Mortgage Loan at BR + 2.50% to 4.50%, Sano Byabasaya Karja at BR + 1.00% to 3.00%, Samriddha Byabasayik Karja at BR + 1.00% to 3.00%, Samriddha Byabasayik Term at BR + 1.25% to 3.25%, and Samriddha Byabasayik Working Capital at BR + 0.75% to 2.50%.
• Laghu Udhyam Karja is BR + 0.75% to 2.75%. Anniversary Business Loan is BR + 1.00% to 3.00%, and 85th Anniversary Business Loan is BR + 0.75% to 2.50%.
• Deprived Sector Loans range from BR + upto 2.00% across Individual, Institutional Wholesale Revolving, Institutional Wholesale Term Loan, Institutional Retail Revolving, Institutional Retail Term Loan, Agriculture Loan, and Subsidized schemes. Non Subsidized is BR + upto 2.50%.
• NBL Saral Krishi Karja Working Capital is BR + 0.50%, and NBL Saral Krishi Karja Term Loan is BR + 0.50%.

Other Loans and Secured Credit Facilities

• Gold and Silver Loan is BR + 2.50% to 4.00%. Loan against own class bank guarantee is BR + 2.00% to 3.00%. Loan against FD receipt is Coupon Rate + 2.00%.
• Loan against Government Securities is Coupon Rate + 1.00% or 1 year fixed deposit, whichever is higher. Safal Byabasaya Karja is BR + 1.00% to 2.00%. Entrepreneurship Term Loan Lumbini is As per MOU.
• NBL Com. Agri & Livestock TL Kamal is BR + upto 2.00%, NBL Com. Agri & Livestock WC Kamal is BR + upto 2.25%, NBL Byabasayik Jiwakshya TL Gandaki is BR + 1.00% to 3.00%, and NBL Kosi Province Krishi Karja (WC&TL) is BR + 1.00%.

Retail Loans and Floating Rates

• Private Vehicle 5 years term (EV & Non-EV) is BR + 0.49%. Private Vehicle 7 years term (EV & Non-EV) is BR + 0.75% to 2.49%. Private vehicle business loan 5 years term (EV & Non-EV) is BR + 0.49%. Commercial vehicle 3-5 years term (EV & Non-EV) is BR + 1.50% to 2.49%. Auto Loan (Neo/Loan) is BR + 2.00% to 3.50%. Professional Auto Loan (EV & Non-EV) is BR + 0.85% to 2.49%.
• Home Loans for 5 years term carry BR + 2.42%, 10 years term carry BR + 2.42%, Above 10 years term carry BR + 2.42%, Professional Home Loan carries BR + 2.42%, and Nepalalmi Home Loan carries BR + 2.42%.
• Shulav Awas Karja rates are as per Note No. 9 for 5 years, BR + 1.00% for Above 5-Upto 10 Years Term, BR + 1.50% for Above 10-Upto 15 Years Term, and BR + 2.00% for Above 15-Upto 25 Years Term. NBL Baideshik Awas Karja carries BR + 0.50% upto 5 years, BR + 1.00% Above 5 upto 10 years, BR + 1.50% Above 10 to 15 years, and BR + 2.00% Above 15 to 25 years.
• Personal Term Loan for Upto 10 years term is BR + 2.50% to 3.50%, and Above 10 years term is BR + 3.50% to 4.00%. Personal Overdraft is BR + 2.50% to 3.50%, Professional Overdraft is BR + 2.00% to 3.50%, and FOD Others is BR + 2.00% to 3.50%.
• NBL Professional Loan Overdraft is BR + 2.00% to 3.50%, and Term Loan is BR + 2.50% to 3.50%.
• Education Loan for 5 years term is BR + 2.00% to 3.00%, and 10 years term is BR + 2.50% to 3.50%. Margin Lending is BR + 1.50% to 3.50%.
• NBL Fast Loan Fast Term Loan is BR + 2.50% to 3.50%, Fast Overdraft is BR + 3.00% to 3.50%, Sewanghi Karja is BR + 2.50% to 4.50%, Chahari Karja is BR + 1.75% to 3.75%, and Other Retail Loans carry BR + 3.00% to 4.00%.

Retail Term Loans (Fixed Rate % p.a.)

• Home Loan fixed rates are 7.99% for 5 Years, 7.99% for 7 Years, and 8.99% for 10 Years. Nepalalmi/Professional Home Loan fixed rates are 7.99% for 5 Years and 8.99% for 10 Years. Shulav Awas Karja fixed rates are 5.99% for 5 Years and 8.00% for 10 Years.
• Auto Loan fixed rates are 7.90% for 5 Years and 8.50% for 7 Years. Nepalalmi/Professional Auto Loan fixed rates are 7.90% for 5 Years and 8.50% for 7 Years. Electrical Vehicle Loan fixed rates are 8.00% for 5 Years and 8.50% for 7 Years.
• Personal Term Loan fixed rate is 8.50% for 5 Years and 8.99% for 10 Years. NBL Professional Term Loan fixed rate is 7.90% for 5 Years and 8.50% for 7 Years. NBL Fast Loan fixed rate is 9.99% for 5 Years and 9.99% for 10 Years.
• Education Loan fixed rates are 7.90% for 5 Years and 8.50% for 7 Years. Swarojgar Karja fixed rate is 9.99% for 5 Years. Bhada Karja fixed rate is 8.50% for 5 Years.

Business Term Loans (Fixed Rate)

• Business Term Loans with a tenure of Upto 10 Years carry a fixed rate of Upto 9.00%.

Key Notices and Financial Indicators

• Average Base Rate (BR) of last three consecutive months Ending Shrawan 2083 is 4.46%. Interest Spread Rate as of Shrawan 2083 is 3.46%.
• Floating Lending rates shall be adjusted as per the change in Average Base Rate last three consecutive months.
• Rate on Consortium financing shall be as decided by consortium meetings. Additional penal interest of + 2% p.a. shall be applied on overdue amount or expired loan in compliance with NRB Directive.
• Risk premium upto + 2% p.a. additional can be charged for watch-list clients. Interest rate on similar nature loan product shall be in line with NRB Directive No. 15/081 point No 37(1).
• Premium rate on each borrower shall be determined subject to loan type, category, tenure of each loan, internal credit risk grading.
• Auto Loan (Nepalalmi) Loan demand has been suspended. New Account opening of NBL Diamond & Pioneer Saving Deposit Account have been suspended.
• Fixed interest rate for the first 5 Years on Shulav Awas Karja is 5.99% thereafter Base Rate plus floating premium rate based on the tenure mentioned in S.N 9.3 shall be applicable.

For More: Nepal Bank New Interest Rates