NMB Bank Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083

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16th July 2026, Kathmandu

NMB Bank Limited has announced its revised annual deposit and loan interest rates, effective Shrawan 1, 2083, which corresponds to July 17, 2026.

NMB Bank Interest Rates Revision

The updated rate schedule covers an expansive range of savings portfolios, multi-tenure fixed deposits, foreign currency options, call accounts, and flexible lending packages.

The bank stated that the new interest rate framework is designed to align with current market liquidity conditions, provide balanced returns to depositors, and maintain a sustainable pricing model for borrowing clients across the country.

KEY HIGHLIGHTS OF NMB BANK INTEREST REVISION

The shifting financial dynamics reflect structured asset liability management within the commercial banking sector of Nepal. The financial institution continues to manage its fund costs efficiently while offering tailored returns to diverse consumer segments.

The new interest rate schedules detail varied percentages per annum, focusing on domestic savings categories, multi-tiered fixed deposits, and specific lending premiums:

LOCAL CURRENCY SAVINGS AND CALL DEPOSIT RATES

NMB Bank Limited has updated returns for local currency savers. The yields for individual savings schemes are defined below:

• NMB Janmabhumi Bachat Khata Remittance offers a yield of 3.75 percent per annum.
• NMB Premium Super Talab Khata For Payroll Account only, NMB General Payroll Account, NMB Go-Green Savings Account, NMB Jestha Nagarik Bachat Khata, NMB Mahila Bachat Khata, NMB Karmath Yuva Savings Account, NMB Student Savings Account, NMB Amulya Bachat Khata, Super Talab Khata, Sabaiko Sahara Bachat, NMB Jeevan Chakra, Social Security Savings, NMB Ujyalo Pariwar Bachat Khata, NMB Ujyalo Pension Bachat Khata, NMB Normal DO Savings, Sulav Muddati Retail, NMB Digital Banking Savings Account, Pradesh Bachat Khata, and all other normal savings accounts provide an annual yield of 2.75 percent.

Additionally, local currency call deposit accounts yield up to 1.375 percent per annum.

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DOMESTIC FIXED AND FOREIGN CURRENCY DEPOSITS

The bank has structured explicit maturity timelines for individual, institutional, and foreign currency deposit products with competitive interest allocations:

• For standard individual fixed deposits, a tenure of 3 months to below 6 months offers 2.75 percent per annum. Individual tenures from 6 months to below 3 years provide a 2.75 percent annual yield, tenures from 3 years to below 5 years provide 3.50 percent, and tenures of 5 years and above offer a 4.50 percent annual return.
• Customers opening an NMB Janmabhumi Muddati Khata Remittance will receive an additional 1 percent interest rate over the normal individual fixed deposit rates listed above.
• For non-individual institutional fixed deposits, the bank offers 2.75 percent per annum for tenures from 6 months to below 3 years, 3.00 percent for 3 years to below 5 years, and 3.50 percent for tenures of 5 years and above.
• For foreign currency savings deposits, US Dollar accounts pay 3.40 percent, Great Britain Pound accounts pay 2.50 percent, Euro accounts pay 2.25 percent, Canadian Dollar accounts pay 3.00 percent, and Australian Dollar accounts pay 1.00 percent.
• Foreign currency fixed deposits for 3 months and above offer 2.00 percent for USD, 2.00 percent for GBP, 1.50 percent for EUR, 2.00 percent for CAD, 0.50 percent for AUD, and up to the benchmark rate for JPY.
• Non-Resident Nepalese opening an NMB Namaste FCY FD with a minimum of 1,000 USD or equivalent for at least 1 year receive 3.75 percent for USD, 3.00 percent for GBP, 2.50 percent for EUR, 3.00 percent for CAD, and 3.00 percent for AUD.

LOANS AND ADVANCES PRICING PLANS

Borrowing facilities are split into flexible floating options linked directly to the base rate and stable fixed interest rate models for various corporate, SME, and personal retail portfolios:

Floating interest rates are calculated by adding an applicable premium over the base rate. For instance, Corporate Manufacturing and Service lines carry a premium of 0.50 percent to 2.50 percent for Working Capital Term loans and 0.25 percent to 2.25 percent for Working Capital Revolving lines. General Retail Housing loans up to 30 Mio carry a premium of 0.50 percent to 2.50 percent. Electric Vehicle loans carry a premium of 0.50 percent to 2.50 percent for personal and business use, and 2.00 percent to 4.00 percent for public use.

Fixed interest rate loan products provide predictable tracking across multiple brackets. The NMB Sulav Auto Loan for electric vehicles is fixed at 8.89 percent up to 5 years, and 8.99 percent for tenures above 5 years to 7 years. Fixed Rate Home Loans under the Sulav Ghar Karja up to 10 years are offered at 9.99 percent. Other retail term loans feature fixed rates of 13.00 percent for 5 to 10 years, and 13.50 percent for tenures above 10 years. All other general loan products under fixed rates carry a premium of 3.00 percent to 5.00 percent over the base rate.

STRATEGIC MARGIN MANAGEMENT AND SUSTAINABLE BANKING FOCUS

The latest financial publication from NMB Bank Limited clarifies that interest rates for green call accounts and green fixed deposits will match normal call and fixed deposit rates according to their respective tenures. It also specifies that interest rate premium structures for loans against the bank’s own fixed deposit receipts will be calculated by taking the higher of the base rate or coupon rate, plus a premium of up to 2 percent.

A primary highlight of the bank’s updated credit strategy is its active alignment with environmental and sustainability guidelines. The bank has declared that the interest rate for environmentally friendly housing, categorized specifically as green homes, will be 0.50 percent lesser than standard housing loan interest baselines. This distinct reduction serves as a strong commercial incentive for consumers to adopt eco-friendly housing infrastructure, clean energy options, and resource-efficient materials across communities in Nepal.

By defining precise floating premiums alongside predictable fixed consumer lending tracks, the bank balances commercial risk mitigation with consumer accessibility. Interest rates for consortium loans will continue to be governed directly by specific consortium decisions, while subsidy loans will remain aligned with Nepal Rastra Bank directives. The low baseline individual and institutional funding rate of 2.75 percent helps lower the overall cost of capital, allowing the bank to support small scale enterprises, agricultural initiatives, and personal housing setups safely through its corporate networks and centralized systems.

For More: NMB Bank Interest Rates Revision