NMB Bank Interest Rates June 2025: Savings, FD & Loan Premiums Updated
15th June 2025, Kathmandu
NMB Bank has announced a comprehensive update to its deposit interest rates and loan premium charges. These changes will take effect from Ashadh 1, 2082 (June 15, 2025).
NMB Bank Interest Rates June
The new rates cover a broad range of savings and fixed deposit accounts, recurring deposits, foreign currency deposits, and multiple loan products across various sectors. The bank aims to better serve its customers with competitive rates and flexible loan options suited to diverse financial needs.
Deposit Interest Rates For Savings Accounts
The bank offers different interest rates on savings deposits in Nepalese Rupees (NPR). The highest rate of 4.50% per annum applies to the NMB Premium Super Talab Khata, designed exclusively for payroll accounts. The NMB General Payroll Account follows with a 4.00% interest rate. Other accounts such as the NMB Go-Green Savings Account receive 3.50%.
Most other specialized accounts have a uniform interest rate of 3.00%. This includes accounts for senior citizens (NMB Jestha Nagarik Bachat Khata), women (NMB Mahila Bachat Khata), youth (NMB Karmath Yuva Savings Account), students, social security beneficiaries, and many more. Particularly attractive is the NMB Janmabhumi Bachat Khata for remittance holders, which offers an impressive 5.50%. The bank also provides 4.50% for pension and family savings accounts. Call deposits earn interest up to 1.50%.
Fixed Deposit Interest Rates
NMB Bank offers tiered interest rates on fixed deposits (FDs) depending on the tenure and whether the depositor is an individual or institution. For individuals, the rates start at 3.00% for deposits up to one year. The interest increases progressively, reaching 6.00% for deposits exceeding five years.
Institutional deposits receive slightly lower interest rates. For short-term FDs of up to one year, no rate is specified, while longer-term deposits pay from 3.00% to 5.00%. Special deposit schemes like Manyajan Muddati (one-year term) and Saral Muddati Bachhat Khata (three months) offer a flat rate of 3.00%. The NMB Janmabhumi Muddati Khata, designed for remittance customers, adds an extra 1% to the regular individual FD rates.
Recurring Deposits And Foreign Currency Deposits
Recurring deposits, such as the NMB Mero Kramik Khata, offer a 3.00% interest rate.
Foreign currency deposits (FCD) attract different rates based on currency type. For U.S. Dollar deposits, fixed deposits of three months and above yield 3.90%, while savings accounts earn 2.00%. Other currencies, including British Pounds, Euros, Canadian and Australian Dollars, Japanese Yen, and Chinese Yuan, have interest rates varying between 1.00% and 3.00%, depending on deposit type.
Institutional foreign currency fixed deposits require a minimum tenure of six months. For Non-Resident Nepalese (NRNs), the NMB Namaste FCY FD scheme offers competitive rates starting at 4.10% for USD, with minimum deposits of $1,000 or equivalent.
Updated Loan Premiums Across Sectors
NMB Bank has revised loan premiums for multiple sectors, ranging from corporate to retail clients.
Corporate loans in manufacturing, service, and trading sectors have premiums between 0.5% and 3%, depending on loan type. Loan products include working capital term loans, revolving loans, trust receipts, cash credit, and term loans.
Mid-corporate loans reflect similar premium ranges. For Small and Medium Enterprises (SMEs) and Micro, Small and Medium Enterprises (MSMEs), premiums are slightly higher, mostly between 1% and 3%. Project financing premiums vary by sector, generally from 0.25% to 2.5%.
Energy And Agriculture Financing
Energy financing loans also have premiums from 0.25% to 3%. Special terms apply to hydro and utility-scale solar projects, with premiums as low as 0.25% in some cases.
Agriculture loans, covering all sectors, carry premiums between 0.25% and 3%. Corporate agriculture loans attract lower premiums, typically around 0.25% to 2.25%.
Retail Loans And Special Products
NMB Bank’s retail loans cover a broad spectrum of products. Housing loans up to NPR 25 million have premiums ranging from 0.5% to 2.5%. Loans exceeding this amount maintain similar premium levels.
Auto loans are split into electric and internal combustion engine (ICE) vehicles. Electric vehicle loans feature lower premiums, between 0.5% and 3%. ICE vehicle loans carry higher premiums, from 2.5% to 4.5%.
Other retail products include loan against property, margin lending, personal overdrafts, education loans, and microfinance. These generally have premiums between 1% and 4.5%.
Foreign Currency Loan Products
For foreign currency loans, the bank offers USD term loans and trust receipt (TR) loans. These loans have premiums up to 3%. The TR loan interest rate is fixed at 5.25%.
Additionally, fixed-rate loans in project finance and energy financing come with premiums ranging from 1.5% to 3.5% above the base rate.
Fixed Rate Home And Auto Loans
NMB Bank offers a fixed plus floating rate home loan product called Sulav Ghar Karja. The interest rate for tenors up to 10 years is 9.99%. Other retail term loans carry fixed rates from 13.00% to 14.00%, depending on the loan term.
The Sulav Auto Loan for electric vehicles offers attractive fixed rates. Loans up to five years come at 8.89%, while loans between five and seven years have a slightly higher rate of 8.99%.
Customer Benefits And Service Outlook
With these revisions, NMB Bank aims to provide its customers with more competitive deposit returns and flexible, affordable loan options. These rates reflect the bank’s commitment to supporting individuals, businesses, and Non-Resident Nepalese alike.
Customers are encouraged to visit nearby NMB branches or the official website for more details. The updated interest rates and loan premiums will take effect starting June 15, 2025. NMB Bank continues to grow as a trusted financial partner by adapting its offerings to meet evolving market needs.
For more: NMB Bank Interest Rates June
