Nepal Bank Revises Interest Rates for Deposit & Loan from 1 Falgun

12th February 2026, Kathmandu

Nepal Bank Limited has officially updated its interest rate structure for deposits and loans, with the new rates taking effect from 1st Falgun 2082. This adjustment comes as part of the bank’s strategy to align its financial products with the current macroeconomic environment and the evolving liquidity conditions in Nepal’s banking sector. The revised rates aim to strike a balance between providing competitive returns for depositors and maintaining affordable credit options for businesses and individual borrowers.

Nepal Bank Revises Interest

The following SEO article provides a comprehensive breakdown of the new interest rates, base rate trends, and what these changes mean for the bank’s customers.

Overview of Deposit Interest Rates (Effective 1st Falgun 2082)

Nepal Bank has maintained a diverse range of savings products to cater to various segments of society, including youth, senior citizens, and women. The interest rates on savings accounts are designed to encourage a culture of saving while ensuring that funds remain accessible.

Savings Account Rates

The bank offers several specialized saving schemes, each with specific interest rates and minimum balance requirements:

Normal Saving: The base rate for normal savings is set at 2.75 percent per annum with a minimum balance of NPR 500.

NBL Diamond and Women Special Saving: These premium accounts offer a slightly higher rate of 2.95 percent, rewarding specific demographic segments.

Yuva Bachat Khata and Investor’s Saving: Aimed at the youth and the investing public, these accounts provide a 2.95 percent return with a zero minimum balance requirement, making banking accessible for all.

NBL Pioneer Saving: This high-yield saving product offers 3.75 percent per annum, though it requires a higher minimum balance of NPR 10,000.

Others (Green Saving, Nari Samman, Pension): These accounts generally offer around 3.00 percent per annum.

Fixed Deposit (FD) and Recurring Rates

For customers looking for guaranteed long-term returns, the fixed deposit rates remain a primary attraction. The rates vary based on the tenure of the deposit:

Individual Fixed Deposits: Rates start at 3.00 percent for tenures up to 1 year, increasing to 3.85 percent for periods between 2 and 5 years. Deposits for terms longer than 5 years are subject to individual negotiation with the bank.

Institutional Fixed Deposits: Institutional rates are standardized at 2.95 percent for most tenures up to 5 years, ensuring a stable return for corporate and organizational funds.

Remittance Fixed Deposits: To encourage the inflow of foreign exchange, remittance-linked fixed deposits often carry a premium or follow competitive tenure-based rates starting from 3 months.

Recurring Deposits: Both standard and the Samriddha Nari Recurring Deposit schemes offer rates aligned with fixed deposits, allowing customers to build wealth through regular monthly contributions.

Loan and Advance Interest Rates

The lending rates at Nepal Bank Limited are primarily “floating,” meaning they are tied to the bank’s Base Rate. As of the end of Poush 2082, the three-month average Base Rate stood at 5.06 percent. This relatively low base rate allows the bank to offer competitive lending products across several sectors.

Business and SME Lending

Nepal Bank continues to support the productive sector through various financing options:

Industrial and Commercial Term Loans: These are offered at the Base Rate (BR) plus a premium ranging from 0.50 to 2.50 percent, depending on the risk profile and tenure.

SME Loans (Sajilo and Laghu Udhyam): Small and medium enterprises can access credit at BR plus a premium of 0.50 to 4.50 percent. This flexible premium allows for customized solutions for micro-entrepreneurs.

Export and Import Finance: To support international trade, export finance in NPR is available at a premium as low as 0.50 percent over the base rate.

Retail and Personal Loans

Individual borrowers can take advantage of specialized retail products with competitive interest rates:

Home Loans: Rates for home and professional home loans are competitively priced between 9.90 percent and 9.99 percent per annum.

Auto Loans: While the traditional Nepalaxmi Auto Loan is currently suspended, other auto financing options, including those for Electrical Vehicles (EVs), are available at rates around 9.90 to 9.95 percent.

Personal Term and Flexi Loans: These versatile personal credit lines are generally capped at 9.99 percent per annum.

Key Regulatory Indicators and Guidelines

Nepal Bank adheres strictly to the directives issued by Nepal Rastra Bank (NRB) regarding interest rate spreads and risk management.

Base Rate (BR): 5.06 percent (Average of Kartik, Mangsir, and Poush 2082).

Spread Rate: 3.80 percent, which is well within the regulatory ceiling, ensuring that the bank does not overcharge borrowers relative to its cost of deposits.

Penal Interest: A penalty of 2 percent per annum is applied to any overdue or expired loans, emphasizing the importance of timely repayment.

Risk Premium: For clients categorized under the “watch-list” per NRB guidelines, an additional risk premium of up to 2 percent may be applied.

Strategic Outlook and Customer Service

The suspension of certain products like the NBL Diamond Saving and certain auto loan types indicates a strategic shift towards managing liquidity and focusing on high-priority sectors. Nepal Bank is increasingly prioritizing digital banking and financial literacy, as seen in its latest anniversary publications and training initiatives.

The bank encourages customers to visit their nearest branch or utilize the official website (www.nbl.com.np) to calculate their specific EMI or to understand how the new rates will impact their existing deposits.

Conclusion

The updated interest rates of Nepal Bank Limited for Falgun 2082 reflect a stable yet competitive banking environment. With a low base rate of 5.06 percent, the bank remains a preferred choice for borrowers, while the diverse saving schemes ensure that depositors of all backgrounds have a safe and rewarding place for their funds. As market conditions continue to evolve, Nepal Bank’s transparent rate structure provides the clarity needed for sound financial planning.

For More: Nepal Bank Revises Interest