NMB Bank Interest Rates Effective From Asoj 01, 2083 (September 17, 2026): Complete Guide

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16th September 2026, Kathmandu

NMB Bank has released its official interest rate structure effective from Asoj 01, 2083 (September 17, 2026).

NMB Bank New Interest Rates 

This guide covers deposit products, foreign currency interest rates, business loans, retail financing options, and key terms applicable for account holders and borrowers.

Interest Rates on Deposit Products

NMB Bank provides local currency saving and fixed deposit options tailored for personal, payroll, social security, and remittance needs.

1.1. Saving Deposit (LCY) Rates:

• NMB Premium Super Talab Khata (For Payroll Account only): 2.75% per annum.
• NMB General Payroll Account: 2.75% per annum.
• NMB Go-Green Savings Account: 2.75% per annum.
• NMB Jestha Nagarik Bachat Khata: 2.75% per annum.
• NMB Mahila Bachat Khata: 2.75% per annum.
• NMB Karmath Yuva Savings Account: 2.75% per annum.
• NMB Student Savings Account: 2.75% per annum.
• NMB Amulya Bachat Khata: 2.75% per annum.
• Super Talab Khata (For Payroll Account Only): 2.75% per annum.
• Sabaiko Sahara Bachat (Available for unbanked population, Rs. 100 to deposit from Bank): 2.75% per annum.
• NMB Jeevan Chakra: 2.75% per annum.
• Social Security Savings (For Social Security Distribution Account Only): 2.75% per annum.
• NMB Ujjyalo Pariwar Bachat Khata: 2.75% per annum.
• NMB Ujjyalo Pension Bachat Khata: 2.75% per annum.
• NMB Normal DD Savings: 2.75% per annum.
• Sulav Muddati Retail: 2.75% per annum.
• NMB Digital Banking Savings Account: 2.75% per annum.
• All Other Normal Savings Account: 2.75% per annum.
• Pradesh Bachat Khata: 2.75% per annum.
• NMB Janmabhumi Bachat Khata (Remittance): 3.75% per annum.

1.2. Call Deposit (NPR):

• Call Deposit rate: Up to 1.375% per annum.

1.3. Fixed Deposit (NPR):

• 3 Months to Below 1 Year: 2.75% per annum for Individual accounts.
• 1 Year to Below 3 Years: 2.75% per annum for Individual accounts and 2.75% per annum for Institutional accounts.
• 3 Years to Below 5 Years: 3.50% per annum for Individual accounts and 3.00% per annum for Institutional accounts.
• 5 Years and Above: 4.50% per annum for Individual accounts and 3.50% per annum for Institutional accounts.
• NMB Janmabhumi Muddati Khata (Remittance): Plus 1% on above Individual FD Rates.

Note: Interest for Green Call and Green FD shall be as per above normal call, FD rates and their respective tenures.

Foreign Currency (FCY) Deposit Rates

Foreign Currency deposits are available for individual and institutional customers in primary major foreign currencies.

2.1. Individual and Institutional FCY Deposit Rates:

• US Dollar (USD): 3.40% per annum for Fixed (3 Months and Above) and 2.00% per annum for Savings Deposit.
• Great Britain Pound (GBP): 3.00% per annum for Fixed (3 Months and Above) and 2.50% per annum for Savings Deposit.
• EURO (EUR): 2.00% per annum for Fixed (3 Months and Above) and 1.50% per annum for Savings Deposit.
• Canadian Dollar (CAD): 2.25% per annum for Fixed (3 Months and Above) and 1.50% per annum for Savings Deposit.
• Australian Dollar (AUD): 3.00% per annum for Fixed (3 Months and Above) and 2.00% per annum for Savings Deposit.
• Japanese Yen (JPY): 1.00% per annum for Fixed (3 Months and Above) and 0.50% per annum for Savings Deposit.
• Chinese Yuan (CNY): 1.50% per annum for Fixed (3 Months and Above) and 1.00% per annum for Savings Deposit.

Call Deposit across all listed FCY currencies: Offered Up to Benchmark Rate.

2.2. Other FCY Deposits:

• Fixed Deposit: Central Bank rate plus Up to 4%.
• Savings Deposit: Central Bank rate plus Up to 2.5%.
• Institutional FCY Fixed Deposit tenure: Six months and above.

2.3. NMB Namaste FCY FD (min. 1 year) for Non Resident Nepalese Only:

• USD: 3.75% per annum.
• GBP: 3.00% per annum.
• EUR: 2.50% per annum.
• CAD: 3.00% per annum.
• AUD: 3.00% per annum.

Minimum balance required: USD 1,000 or equivalent.

Interest Rate on Loan Products (Floating Premium Over Base Rate)

• Loan premium rates apply above the bank’s base rate across corporate, mid-corporate, SME, project financing, energy, and agricultural sectors.

3.1. Corporate Loans:

• Working Capital – Term: Premium of 0.50% to 2.50% for Manufacturing, Service, and Trading sectors.
• Working Capital – Revolving: Premium of 0.25% to 2.25% for Manufacturing, Service, and Trading sectors.
• Working Capital – TR: Premium of 0.15% to 2.15% for Manufacturing, Service, and Trading sectors.
• Cash Credit: Premium of 0.25% to 2.25% for Manufacturing, Service, and Trading sectors.
• Term / Hire Purchase: Premium of 0.50% to 2.50% for Manufacturing, 0.40% to 2.40% for Service, and 1% to 3% for Trading.

3.2. Mid-Corporate Loans:

• Working Capital – Term: Premium of 0.5% to 2.5% across Manufacturing, Service, and Trading sectors.
• Working Capital – Revolving: Premium of 0.5% to 2.5% across Manufacturing, Service, and Trading sectors.
• Working Capital – TR: Premium of 0.5% to 2.5% across Manufacturing, Service, and Trading sectors.
• Cash Credit: Premium of 0.5% to 2.5% across Manufacturing, Service, and Trading sectors.
• Term: Premium of 0.5% to 2.5% across Manufacturing, Service, and Trading sectors.

3.3. SME / MSME Loans:

• Working Capital – Term: Premium of 1% to 3% across Manufacturing, Service, and Trading sectors.
• Working Capital – Revolving: Premium of 1% to 3% across Manufacturing, Service, and Trading sectors.
• Cash Credit: Premium of 1% to 3% across Manufacturing, Service, and Trading sectors.
• Term: Premium of 1% to 3% across Manufacturing, Service, and Trading sectors.

3.4. Project Finance Loans:

• Working Capital – Term: Premium of 0.50% to 2.50% for Manufacturing and Service & Healthcare.
• Working Capital – Revolving: Premium of 0.25% to 2.25% for Manufacturing.
• Working Capital – TR: Premium of 0.50% to 2.50% for Manufacturing, Service & Healthcare, and 0.25% to 2.25% for Tourism & Hospitality.
• Cash Credit: Premium of 0.50% to 2.50% for Manufacturing.
• Term: Premium of 0.50% to 2.50% for Manufacturing.

3.5. Energy Financing Loans:

• Working Capital – Term: Premium of 1% to 3% for Manufacturing and Trading.
• Working Capital – Revolving: Premium of 1% to 3% for Manufacturing and Trading, and 0.25% to 2.25% for Power Generation.
• Cash Credit: Premium of 1% to 3% for Manufacturing and Trading, and 0.25% to 2.25% for Power Generation.
• Term Loan: Premium of 1% to 3% for Manufacturing and Trading.
• Bridge Gap: Premium of 1% to 3% for Manufacturing and 0.50% to 2.50% for Power Generation.
• Term – Hydro: Premium of 0.25% to 2.25% for Power Generation.
• Term – Utility Scale Solar: Premium of 0.25% to 2.25% for Power Generation.
• Term – Roof Top Solar: Premium of 1% to 3% for Power Generation.
• Term – Others: Premium of 1% to 3% for Manufacturing and Trading, and 0.5% to 2.5% for Power Generation.

3.6. Agriculture Loans:

• Working Capital – Term: Premium of 1% to 3% across All Sectors.
• Working Capital – Revolving: Premium of 1% to 3% across All Sectors.
• Cash Credit: Premium of 1% to 3% across All Sectors.
• Term Loan: Premium of 1% to 3% across All Sectors.
• Corporate – Agriculture: Premium of 0% to 2% across All Sectors.
• Retail Loan Products and Fixed Interest Options

NMB Bank provides floating and fixed rate personal, housing, auto, and green asset loans.

4.1. Retail Loans (Floating Premium Over Base Rate):

• Housing Loan: Premium of 0.5% to 2.5%.
• Auto Loan – Personal: Premium of 0.5% to 2.5%.
• Auto Loan – Business: Premium of 0.5% to 2.5%.
• Auto Loan – Public / Commercial: Premium of 2% to 4%.
• Electric Vehicle Auto Loan: Premium of 0.5% to 2.5% for Personal, 0.5% to 2.5% for Business, and 2% to 4% for Public / Commercial.
• ICE Vehicle Auto Loan: Premium of 1% to 3% for Business.
• Land Purchase Loan: Premium of 1% to 3%.
• Loan Against Property: Premium of 2% to 4%.
• Margin Lending: Premium of 0.25% to 2.25%.
• NMB Talim Karja: Premium of 7% to 8%.
• Personal Overdraft: Premium of 2.5% to 4.5%.
• Other Retail Loan: Premium of 2% to 4%.
• Education Loan: Premium of 2.5% to 4.5%.
• Micro-Finance (Retail & Wholesale): Premium of 0% to 2%.
• Trade Contract Sales – Funded Lines: Premium of 1% to 3%.
• Loan Against Government Securities: Base Rate or Coupon Rate (whichever is higher) plus up to 2%.
• Loan Against Own FDR: Base Rate or Coupon Rate (whichever is higher) plus up to 2%.
• USD Term Loan / TR Loan (Loans & Advances – FCY): Benchmark Rate plus Up to 3%.

4.2. Fixed Interest Rate Loan Products (% Per Annum):

• Project Finance: BR + 1.50% to 3.5%.
• Energy Financing: BR + 1% to 3%.
• Mid Corporate: BR + 1.75% to 3.75%.
• Roof-Top Solar: BR + 1.25% to 3.25%.
• Sulav Ghar Karja (Up to 10 Years): Fixed plus Floating rate of 9.99%.
• Other Retail Term Loans (Fixed Rate Up to 5 Years): 13.00%.
• Other Retail Term Loans (Fixed Rate 5 to 10 Years): 13.50%.
• Other Retail Term Loans (Fixed Rate Above 10 Years): 14.00%.
• NMB Sulav Auto Loan Electric (Up to 5 Years): 8.89%.
• NMB Sulav Auto Loan Electric (Above 5 Years to 7 Years): 8.99%.
• Fixed Rate – All Other Loan Products: BR + 3% to 5%.
• Note: Applicable Floating Rate Premium Post Fixed Tenure will be 2.99%.

Important Terms and Notice Notes

• Interest rate for Consortium Loan shall be as per Consortium decision.
• Interest rate for Subsidy Loan shall be as per NRB Directive.
• Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives.
• Interest rate for environmentally friendly housing (green homes) will be 0.5% lesser.
• Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts if not renewed or restructured.
• Benchmark Rate is as per NRB directive.

For More: NMB Bank New Interest Rates