NIMB Announces Strategic Interest Rate Adjustments Across Deposit and Credit Portfolios

14th June 2026, Kathmandu

Nepal Investment Mega Bank Limited has officially published its revised deposit and lending interest rates schedule.

NIMB Revises Interest Rates

The newly updated financial structures are set to take effect from June 15 2026, which corresponds to the 1st day of Ashad 2083 in the local calendar. By deploying this revised pricing model, the bank aims to balance its portfolio yields, offer attractive options for remittance inflows, and establish competitive lending benchmarks for local businesses and industrial borrowers.

Analyzing the New Fixed Deposit Structures for Individual Institutional and Remittance Savers

The updated interest rate matrix sets up distinct yield tiers based on deposit ownership types and the long-term commitment of the funds.

The bank continues to offer a premium return on funds coming from legitimate foreign remittance channels to support national foreign exchange reserves.

The updated fixed deposit yield categories and tenure benchmarks include:

Individual Fixed Savings Track: Savers committing funds for 1 to 2 years will receive 3.00% per annum, while tenures above 2 to 5 years yield 3.25%, and long term placements exceeding 5 years earn 4.50%.

Remittance Backed Fixed Portfolios: Accounts funded through official foreign employment channels receive a premium, earning 4.00% for 1 to 2 years, 4.25% for up to 5 years, and 5.50% for tenures past 5 years.

Institutional Capital Placements: Corporate and institutional fixed deposits are structured at 2.75% for 1 to 2 years, 3.00% for up to 5 years, and 3.50% for terms over 5 years.

Recurring Savings Options: The specialized recurring fixed deposit program offers 3.50% per annum for 13 month commitments and 4.00% for 25 month terms.

The bank treasury department notes that all domestic currency fixed deposits must maintain a minimum timeline of at least 1 full year to qualify for these published interest terms.

Reviewing Savings Account Variations Special Accounts and Foreign Currency Tiers

The updated retail savings model applies a baseline yield across the majority of consumer savings products while providing higher returns for specific social and professional groups.

The baseline rate applies to popular consumer lines including the Afnai Bachat Khata, Student Accounts, and various family savings products.

The specialized savings yields and alternative currency structures include:

Standard Consumer Savings Baseline: The vast majority of standard domestic savings accounts are anchored at a uniform return of 2.75% per annum. This applies directly to the Afnai Bachat Khata, Keta Keti Bachat Khata, Surakshya Bachat Khata, EZEE Student Account, Karmachari Bachat Khata, Chhoriko Surakshya Bachat Khata, Janasewak Saving Account, Ek Se Ek Saving Account, Shrijansil Nari Bachat Khata, Swabhiman Bachat Khata, Triple Benefit Plus Saving Account, Lotus Saving Account, Prabardhak Bachat Khata, Locker Account, Shareholder Savings Account, Savings Bonanza, Saving Branchless Banking, NIMB Green Future Saving Account, Retirement Fund Account, and the Prithvi Remittance Account.

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Professional and Social Security Tiers: The Professional Saving Account yields 3.25%, while the Social Security Account offers a higher return of 3.75% per annum.

Targeted Community Development Lines: Both the Access to Finance Program and the Janani Janmabhumi Saving Account offer the highest domestic savings yield at 4.75%.

Foreign Currency Savings and Call Settings: For everyday transactional currency accounts, other foreign currency savings yield up to 1.35%, while US Dollar savings offer 1.25%. US Dollar call accounts provide 2.25%, other foreign currency call accounts yield up to 1.12%, and domestic Nepalese Rupee call accounts offer up to 0.62%.

The domestic call account category features an adjusted return capability capped up to 0.62% per annum, reflecting current liquid balances in corporate trade channels.

Evaluating Commercial Lending Premiums Base Rate Adjustments and Credit Penalties

On the credit side of the balance sheet, the bank has outlined specific premium guidelines that will be added to its moving average base rate to determine final loan costs.

The customized credit pricing applies directly to working capital facilities across major industrial and service sectors.

The primary credit risk parameters and commercial loan premium ranges include:

• Manufacturing Production Sector: Working capital credit facilities for manufacturing lines will face an adjustable premium range running from 1.00% to 3.00% over the base rate.
• Trading and Commercial Enterprises: Wholesale and retail trade operators will see premium additions ranging between 1.50% and 3.50%.
• Service and Hospitality Industries: Commercial entities operating in the service field will be evaluated under a premium addition system running from 1.50% and 3.50%.
• Subsidized Loan Alignments: State targeted concession loans will carry a fixed premium of 1.50% over the average base rate, subject to specific regulatory directives from Nepal Rastra Bank.

The credit administration board emphasizes that expired or overdue loans will face a mandatory penal interest charge of 2.00% per annum above the normal rate.

Regulatory Notes and Contractual Interest Determinations

To ensure absolute operational transparency, the executive management has highlighted several essential guidelines governing special funding structures.

These additional terms govern the relationship between the bank treasury and diverse institutional client groups.

The critical statutory conditions applied to the updated rate matrix include:

• Akshyakosh Loan Protocols: Interest rates applied to endowment fund financing facilities will be determined entirely through direct mutual agreement between the bank and the client.
• Remittance Fund Legitimacy Checks: Remittance fixed deposit interest rates, including all subsequent automatic renewals, apply exclusively to funds proven to originate from legitimate, documented foreign sources.
• Consortium Financing Pricing Floors: Interest rates on massive consortium investment packages will be decided during formal consortium bank meetings, but the final rate cannot be lower than the base rate of the bank.
• Special Agreement Continuity Rules: Rates locked in under custom institutional agreements will remain active and unchanged until the official expiration date stated in the contract.
• Interest Rate Differential Adjustments: The spread and differentials maintained across loans and advances of a similar operational nature will be strictly guarded to match current central bank limits.

By keeping credit differentials aligned with local regulatory rules, Nepal Investment Mega Bank Limited continues to support industrial expansion while protecting its depositors’ assets across its extensive national branch network.

For More: NIMB Revises Interest Rates