NMB Bank Interest Rates: Comprehensive Guide 2026
Website size - NMB
15th March 2026, Kathmandu
NMB Bank Limited (NMB) has officially released its updated interest rate schedule for Chaitra 2082 (March 2026).
NMB Bank Interest Rates
As a bank that has positioned itself as a leader in sustainable banking in Nepal, its current rate card reflects both the prevailing liquidity surplus in the banking sector and its strategic focus on green energy and environmental, social, and governance (ESG) linked financing.
Savings and Retail Deposit Products
NMB offers a highly segmented savings portfolio designed to cater to diverse societal groups, from youth to pensioners.
Premium and Niche Accounts: Products such as the NMB Premium Super Talab Khata (Payroll), NMB Go-Green Savings, NMB Ujyalo Pariwar, and Pension Bachat Khata offer a slightly enhanced yield of 3.00 percent per annum.
Standard Offerings: The majority of the bank’s retail and digital savings accounts, including NMB General Payroll, Jestha Nagarik, Mahila Bachat, and Karmath Yuva, are set at 2.75 percent per annum.
Fixed Deposit Structures
Fixed deposit (FD) returns are tiered by duration, allowing depositors to choose between short-term liquidity and long-term capital appreciation.
Individual Fixed Deposits:
Short-Term (3 months to 1 year): 2.75 percent
Mid-Term (1 to 2 years): 3.25 percent
Long-Term (2 to 5 years): 4.00 percent
Extended-Term (5 years and above): 5.00 percent
Institutional Fixed Deposits:
Advertisement
For corporate treasuries, rates are kept at 2.75 percent for tenures up to two years, with higher-tier returns reaching up to 4.25 percent for longer commitments.
Foreign Currency (FCY) Solutions
NMB provides comprehensive options for non-resident Nepalis (NRNs) and businesses with international exposure:
USD Holdings: Fixed deposits earn 3.10 percent, while savings accounts provide 3.00 percent.
Major Currencies (GBP, EUR, CAD, AUD): Fixed deposit rates range from 2.25 to 3.00 percent. These products allow clients to maintain balances in their functional currency while earning interest, mitigating the need for constant conversion.
Lending Framework and Green Finance
Lending at NMB Bank is transparently linked to the Base Rate (BR), with risk premiums applied based on the nature of the project.
Retail and SME Lending: For common retail products like housing loans or land purchase, premiums typically range from BR+0.50 to BR+2.50 percent. Electric vehicle (EV) financing is a key focus, offered with similar competitive premiums.
Corporate Financing: Manufacturing, service, and trading businesses generally see working capital and cash credit facilities priced at a premium of 0.50 to 2.50 percent over the base rate.
Green Finance Incentives: A standout feature of NMB’s lending policy is its incentive for environmentally friendly projects. Projects classified as “Green Homes” or those with significant environmental benefits can access financing at an interest rate 0.5 percent lower than standard commercial projects.
Important Operational Details
Penalties: The bank enforces a 2 percent per annum penal interest rate for accounts that become irregular or overdue.
Regulatory Compliance: All interest rate changes comply with the latest Nepal Rastra Bank (NRB) monetary directives regarding base rate calculation and spread management.
Flexibility: The bank emphasizes that while base rates fluctuate, its commitment to supporting sustainable development remains constant, particularly through its lower-interest-rate windows for green energy and eco-friendly infrastructure.
Customers are encouraged to visit the NMB Bank portal at www.nmb.com.np to view the exact base rate for the current month and verify which products might be subject to seasonal promotions.
For More: NMB Bank Interest Rates
