Prime Commercial Bank Announces Revised Deposit And Loan Interest Rates From Shrawan 1, 2083
16th July 2026, Kathmandu
Prime Commercial Bank Limited has announced its revised annual deposit and loan interest rates, effective Shrawan 1, 2083, which corresponds to July 17, 2026.
Prime Bank Announces Revised Interest Rates
The updated rate schedule covers an expansive range of savings portfolios, multi-tenure fixed deposits, recurring accounts, 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 PRIME COMMERCIAL 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
Prime Commercial Bank Limited has updated returns for local currency savers. The yields and minimum balance parameters for individual savings schemes are defined below:
- Prime Baideshik Remit Bachat Khata, Prime Premium Remit Bachat Khata, and Prime Remit Savings offer a yield of 4.01 percent.
- Prime Jeevan Surakshya Bachat Khata, Prime Supreme Nari Bachat Khata, Prime Supreme Jestha Nagarik Bachat Khata, and Prime Supreme Bachat Khata require a minimum balance of 5,000 NPR, with the first three providing a 3.01 percent yield and the latter giving 2.75 percent.
- Prime Supreme Corporate Staff Savings Account requires a minimum balance of 25,000 NPR and yields 3.01 percent.
- Prime Supreme Karmachari Bachat Khata requires a minimum balance of 2,500 NPR and provides 3.01 percent.
- Prime Premium Jestha Nagarik Bachat Khata, Prime Premium Nari Bachat Khata, and Prime Deposit Plus require a minimum balance of 1,000 NPR and offer 2.75 percent.
- Prime Premium Karmachari Bachat Khata, Prime Sahaj Bachat Khata, Prime Sunaulo Bachat Khata, and Prime Sarba Sulabh Bachat Khata require a minimum balance of 100 NPR and give 2.75 percent.
- All other standard saving accounts except those mentioned above yield a flat 2.75 percent.
Additionally, local currency call deposit accounts yield up to 1.37 percent per annum.
RECURRING, FIXED, AND FOREIGN CURRENCY DEPOSITS
The bank has structured explicit maturity timelines for individual, institutional, and foreign currency fixed deposit products with competitive interest allocations:
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- For Prime Recurring Deposit Accounts, a 1-year tenure offers 3.00 percent, while tenures of 2, 3, 5, 7, and 10 years provide 4.00 percent, both requiring a minimum monthly amount of 1,000 NPR.
- For Prime Recurring Remit Deposit Accounts, a 1-year tenure offers 4.00 percent, while tenures of 2, 3, 5, 7, and 10 years provide 5.00 percent.
- For local currency individual normal fixed deposits, a tenure of 3 months to below 6 months offers 2.80 percent, 6 months to below 1 year offers 2.90 percent, 1 year to below 2 years offers 3.00 percent, and 2 years and above offers 4.00 percent.
- Individual Remittance fixed deposits offer 3.80 percent for 3 months to below 6 months, 3.90 percent for 6 months to below 1 year, 4.00 percent for 1 year to below 2 years, and 5.00 percent for tenures of 2 years and above.
- For non-individual institutional fixed deposits, the interest rate is set flat at 2.75 percent for all tenures above 6 months.
- For foreign currency deposits, standard individual US Dollar accounts pay 1.75 percent for savings, 3.25 percent for fixed deposits, and up to 1.00 percent for call accounts. Euro, Great Britain Pound, and Japanese Yen fixed deposit products all offer a flat return of 1.50 percent.
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 personal, business, and corporate portfolios:
The majority of floating rate facilities carry a uniform maximum premium of Base Rate plus up to 5.00 percent. This extensive list includes Working Capital Loans, Cash Credit, Demand Loans, Term Loans, Trust Receipt Loans, Export Credit, SME Loans, Hire Purchase Loans, Mortgage Overdrafts, Mortgage Term Loans, Loans against Shares, Professional Loans, Bridge Gap Loans, Education Loans, Prime Home Loans, Prime Agriculture Loans, Prime Laghu Udhyam Loans, Prime Self Employment Loans, Prime Consumption Loans, Prime Personal Loans, Equipment Loans, and Loans against Gold and Silver.
Loans against fixed deposits held with the bank are priced at the coupon rate plus up to 2.00 percent, while loans against government bonds carry a premium of Base Rate plus up to 2.00 percent.
Fixed lending rate structures provide long term predictability for personal retail borrowers, where Prime Home Loans, Prime Hire Purchase Loans, Mortgage Loans, and other personal nature loans are fixed inside a standardized band of 9.00 percent to 11.00 percent per annum.
STRATEGIC MARGIN MANAGEMENT AND SECTORAL GUIDELINES
The latest financial publication from Prime Commercial Bank Limited confirms that interest rates on consortium financing will continue to be governed directly by specific consortium decisions. Furthermore, the interest rate variance between similar credit products will remain strictly in line with the latest regulatory limits enforced by Nepal Rastra Bank under its prevailing guidelines.
A primary highlight of the bank’s updated asset allocation model is its focus on cross border currency inflows. For foreign currency remittance deposits, a minimum of 1 percent additional interest rate will be provided on top of standard foreign currency deposit baselines. This financial framework works hand in hand with the local currency remittance savings yields of 4.01 percent and the 5.00 percent yield on long-term remittance fixed deposits, strengthening the bank’s capability to capture formal foreign exchange channels.
By keeping clear floating parameters alongside predictable fixed consumer lending tracks, the bank balances commercial risk mitigation with consumer accessibility. The low institutional fixed funding rate of 2.75 percent helps reduce 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.
