Nepal SBI Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

Nepal SBI Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed term placements, and diverse corporate, SME, and retail credit portfolios.

Nepal SBI Bank Interest

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashadh 2083 in the local calendar. 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 and Deposit Account Tiers

Local currency savings products offer varying yields based on target account classifications, complemented by flexible minimum balance requirements.

• Sambriddha Nagarik Bachat Khata standard tier: 2.75 percent per annum
• Saral Bachat Khata standard tier: 2.75 percent per annum
• Savings Swarnim Bachat Khata standard tier: 2.76 percent per annum
• Savings PF standard tier: 2.77 percent per annum
• SB Corporate Salary Package CSBP standard tier: 2.77 percent per annum
• Savings Rakshak Bachat Khata standard tier: 2.78 percent per annum
• NSBL Heera Bachat Khata Savings Akshayesh Kosh standard tier: 2.79 percent per annum
• SB Karmachari Bachat Khata standard tier: 2.80 percent per annum
• Chhori Bachat Khata standard tier: 2.80 percent per annum
• All other LCY Saving Accounts standard tier: 2.80 percent per annum
• Local Currency NPR Call Deposits: Up to 0.50 percent per annum and subject to active market adjustments

Local Currency Fixed and Recurring Deposit Tiers

Rupee denominated fixed placement opportunities, recurring accounts, and Dhanvriddhi instruments are split across individual, institutional, and diplomatic channels over defined maturity blocks.

• Individual Fixed Deposits from 3 Months to less than 6 Months: 2.82 percent per annum
• Individual Fixed Deposits from 6 Months to less than 1 Year: 3.00 percent per annum
• Individual Fixed Deposits from 1 Year to less than 2 Years: 3.20 percent per annum
• Individual Fixed Deposits from 2 Years to less than 3 Years: 3.40 percent per annum
• Individual Fixed Deposits lasting 3 Years and Above: 4.10 percent per annum
• Institutional and Foreign Diplomatic Fixed Deposits from 6 Months to less than 1 Year: 2.75 percent per annum
• Institutional and Foreign Diplomatic Fixed Deposits from 1 Year to less than 2 Years: 2.75 percent per annum
• Institutional and Foreign Diplomatic Fixed Deposits from 2 Years to less than 3 Years: 2.75 percent per annum
• Institutional and Foreign Diplomatic Fixed Deposits lasting 3 Years and Above: 2.75 percent per annum

Foreign Currency Savings and Fixed Deposit Structures

International currency lines support global trading accounts and general asset management across US Dollars, Euros, and Great British Pounds.

Advertisement

• US Dollar Savings Deposits: 3.00 percent per annum
• US Dollar Fixed Deposits individual 3 months plus or institutional 6 months plus: Up to 3.30 percent per annum
• US Dollar Call Deposit Accounts: Up to 1.50 percent per annum
• Euro Savings Deposits: 0.50 percent per annum
• Euro Fixed Deposits individual 3 months plus or institutional 6 months plus: Up to 1.00 percent per annum
• Euro Call Deposit Accounts: Up to 0.25 percent per annum
• Great British Pound Savings Deposits: 0.50 percent per annum
• Great British Pound Fixed Deposits individual 3 months plus or institutional 6 months plus: Up to 1.00 percent per annum
• Great British Pound Call Deposit Accounts: Up to 0.25 percent per annum

Corporate and Commercial Floating Rate Loan Portfolios

Floating rate credit facilities for corporate and mid-corporate customers are determined using the bank base rate plus a designated premium margin percentage tier.

Standard Corporate Tracking lines including Working Capital, Cash Credit, Trust Receipt, Short Term Demand Loan, Term Loan, Project Finance, Working Capital Cash Credit Multinational, and Pre-shipment or Post Shipment Loans: Base rate plus a premium spread up to 2.00 percent for Corporate and Mid-Corporate Customers, Base rate plus 1.00 percent to 3.00 percent for Prime Customers, and Base rate plus 2.00 percent to 4.00 percent for Other Customers

• Loans Secured Against FDR: Priced at the fixed deposit rate plus a premium spread up to 2.00 percent or the applicable bank base rate, whichever stands higher
• Deprived Sector Lending MFI Lines: Base rate plus a premium spread up to 2.00 percent
• Deprived Sector Lending NBFC Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent for institutions qualifying under central bank guidelines
• Deprived Sector Lending Retail Tracks: Base rate plus a premium spread from 2.00 percent to 4.00 percent for standard lines or Base rate plus 1.00 percent to 3.00 percent for select programs
• Personal Loans and Overdraft Facilities: Base rate plus a premium spread from 2.00 percent to 4.00 percent for standard lines or Base rate plus 1.00 percent to 3.00 percent for select tracks
• SME Loans and NSBL Saral Karja for MSME Facilities: Base rate plus a premium spread up to 2.00 percent for Prime Customers and Base rate plus 2.00 percent to 4.00 percent for Other Customers
• NSBL Krishak Sathi Karja Agricultural Lines: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Loans Against Share and Margin Lending Programs: Base rate plus a premium spread up to 2.00 percent or the applicable bank base rate, whichever stands higher
• Loans Against Bonds Financial Programs: Base rate plus a premium spread up to 2.00 percent or the applicable bank base rate, whichever stands higher
• Gold Loans Retail Tracks: Base rate plus a premium spread from 2.00 percent to 4.00 percent

Retail Fixed and Floating Financing Packages

Individual consumers can access predictable long-term financing options structured via stable fixed rates or custom floating tracks broken down across tenure milestones.

• Education Loans Fixed Rate Track up to 5 Years: 9.99 percent per annum
• Education Loans Fixed Rate Track from above 5 Years to 10 Years: 10.49 percent per annum
• Education Loans Fixed Rate Track extending above 10 Years: 10.99 percent per annum
• Education Loans and Education Loan Plus Floating Rate Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Home Loans Fixed Rate Track up to 5 Years: 8.99 percent per annum
• Home Loans Fixed Rate Track from above 5 Years to 10 Years: 9.49 percent per annum
• Home Loans Fixed Rate Track extending above 10 Years: 10.49 percent per annum
• Home Loans Consumer Floating Rate Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Auto Loan and Hire Purchase for Personal or Official Uses Fixed Track up to 5 Years: 8.99 percent per annum
• Auto Loan and Hire Purchase for Personal or Official Uses Fixed Track from above 5 Years to 10 Years: 9.49 percent per annum
• Personal Electric Vehicles Floating Track: Base rate plus a premium spread from 0.25 percent to 2.25 percent
• Personal Internal Combustion Vehicles Floating Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Official Electric Vehicles Floating Track: Base rate plus a premium spread from 0.25 percent to 2.25 percent
• Standard Official Vehicles Floating Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Auto Loan and Hire Purchase for Commercial Uses Fixed Track up to 5 Years: 9.99 percent per annum
• Auto Loan and Hire Purchase for Commercial Uses Fixed Track from above 5 Years to 10 Years: 10.99 percent per annum
• Commercial Vehicles Electric and Internal Combustion Floating Track: Base rate plus a premium spread from 1.00 percent to 3.00 percent
• Personal Mortgage Term Loans Fixed Track up to 5 Years: 9.99 percent per annum
• Personal Mortgage Term Loans Fixed Track from above 5 Years to 10 Years: 10.99 percent per annum
• Personal Mortgage Term Loans Fixed Track extending above 10 Years: 11.99 percent per annum
• Personal Mortgage Facilities Floating Track: Base rate plus a premium spread from 0.50 percent to 2.50 percent
• Loans to Migrant Workers and Deprived Sector Individuals Fixed Track up to 5 Years: 9.99 percent per annum
• Loans to Migrant Workers and Deprived Sector Individuals Fixed Track from above 5 Years to 10 Years: 10.99 percent per annum
• Loans to Migrant Workers and Deprived Sector Individuals Fixed Track extending above 10 Years: 11.99 percent per annum
• Migrant Worker and Deprived Individual Facilities Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent
• Bhu Puu Loan and Bhu Puu Plus Loan Fixed Track up to 5 Years: 9.99 percent per annum
• Bhu Puu Loan and Bhu Puu Plus Loan Fixed Track from above 5 Years to 10 Years: 10.99 percent per annum
• Bhu Puu Loan and Bhu Puu Plus Loan Fixed Track extending above 10 Years: 11.99 percent per annum
• Bhu Puu Loan and Bhu Puu Plus Loan Facilities Floating Track: Base rate plus a premium spread from 2.00 percent to 4.00 percent or from 2.00 percent to 3.00 percent
• Term Loan and Project Finance Corporate Fixed Track up to 3 Years: 7.25 percent per annum
• Term Loan and Project Finance Corporate Fixed Track from above 3 Years to 5 Years: 8.00 percent per annum
• Term Loan and Project Finance Corporate Fixed Track from above 5 Years to 10 Years: 9.50 percent per annum
• Term Loan and Project Finance Corporate Fixed Track extending above 10 Years: 9.50 percent per annum

Core Policy Rules and Operational Guidelines

Operational reference standards, special risk profiles, and regulatory compliance metrics ensure stability across all client product alignments.

• Average Base Rate baseline metric across the previous 3 Months: 5.39 percent per annum
• Base Rate baseline metric computed for the specific month of Baishakh 2083: 5.25 percent per annum
• Interest Spread baseline metric computed for the specific month of Baishakh 2083: 3.28 percent per annum
• Remittance Incentive Structure: Local currency remittance deposits for both savings and fixed structures automatically receive an additional 1.00 percent premium rate above standard individual card rates
• Interest Subsidy Lending Rules: Interest rates on loans provided under specific interest subsidy rules follow central bank instructions, locking the premium spread at the base rate plus a maximum cap of 1.50 percent
• Consortium Financing Frameworks: Credit lines issued under consortium setups are determined entirely by independent participating consortium meetings
• Forced Loan Interest Structures: Bills under import letters of credit and other forced loans will automatically trigger the highest published lending interest rate
• Institutional Premature Withdrawal Constraints: For institutional fixed deposits, premature withdrawal facilities are strictly prohibited before a 6-month timeline is fully completed from the opening date
• Dhanvriddhi Scheme Tenure Rule: Fixed deposits under the specialized Dhanvriddhi tracking scheme are accepted for tenures lasting 6 months and above only
• Overdue Loan Penalty Structures: A penal interest assessment of plus 2.00 percent per annum will be applied automatically to all overdue principal or installment amounts
• Non Performing Asset Policy: Total interest rates applied on non-performing assets may vary from standard rates based on internal risk evaluations

For More: Nepal SBI Bank Interest