Prime Commercial Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities

15th June 2026, Kathmandu

Prime Commercial Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed term placements, and diverse corporate, SME, and retail credit portfolios.

Prime Bank Interest Rates

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashadh 2083 in the local calendar. With this pricing adjustment, the financial institution aligns its retail packages with central bank standards, offering predictable earnings for savers alongside structured premium choices for corporate, small business, and individual borrowers nationwide.

Local Currency Savings and Deposit Account Tiers

Local currency savings products offer varying yields based on target account classifications, complemented by flexible minimum balance requirements.

• Prime Baideshik Remit Bachat Khata with no minimum balance requirement: 4.51 percent per annum
• Prime Premium Remit Bachat Khata with no minimum balance requirement: 4.51 percent per annum
• Prime Remit Savings with no minimum balance requirement: 4.51 percent per annum
• Prime Jeevan Surakshya Bachat Khata with 5,000.00 NPR minimum balance: 3.51 percent per annum
• Prime Supreme Nari Bachat Khata with 5,000.00 NPR minimum balance: 3.51 percent per annum
• Prime Supreme Jestha Nagarik Bachat Khata with 5,000.00 NPR minimum balance: 3.51 percent per annum
• Prime Supreme Corporate Staff Savings Account with 25,000.00 NPR minimum balance: 3.51 percent per annum
• Prime Supreme Karmachari Bachat Khata with 2,500.00 NPR minimum balance: 3.51 percent per annum
• Prime Supreme Bachat Khata standard tier: 2.76 percent per annum
• Prime Premium Jestha Nagarik Bachat Khata standard tier: 2.76 percent per annum
• Prime Premium Nari Bachat Khata standard tier: 2.76 percent per annum
• Prime Premium Karmachari Bachat Khata standard tier: 2.76 percent per annum
• Prime Sahaj Bachat Khata standard tier: 2.76 percent per annum
• Prime Sunaulo Bachat Khata standard tier: 2.76 percent per annum
• Prime Sarba Sulabh Bachat Khata standard tier: 2.76 percent per annum
• Prime Deposit Plus standard tier: 2.76 percent per annum
• All Other Savings Accounts Except Mentioned Above standard tier: 2.76 percent per annum
• Local Currency Call Deposits: Up to 1.375 percent per annum and completely negotiable based on active market adjustments

Local Currency Structured Recurring Deposit Programs

Individual clients looking for structured wealth building systems can utilize recurring deposit programs with a baseline minimum monthly contribution target of 1,000.00 NPR.

• Prime Recurring Deposit Account for a 1 Year tenure track: 3.00 percent per annum
• Prime Recurring Deposit Account for tenures of 2 3 5 7 or 10 Years: 4.00 percent per annum
• Prime Recurring Remit Deposit Account for a 1 Year tenure track: 4.00 percent per annum
• Prime Recurring Remit Deposit Account for tenures of 2 3 5 7 or 10 Years: 5.00 percent per annum

Local Currency Fixed Deposit Investment Tiers

Rupee denominated fixed placement opportunities are split across individual, institutional, and specialized remittance channels over defined maturity blocks.

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• Individual Standard Fixed Deposits from 3 Months to below 6 Months: 2.80 percent per annum
• Individual Standard Fixed Deposits from 6 Months to below 1 Year: 2.90 percent per annum
• Individual Standard Fixed Deposits from 1 Year to below 2 Years: 3.00 percent per annum
• Individual Standard Fixed Deposits lasting 2 Years and Above: 4.00 percent per annum
• Individual Remittance Fixed Deposits from 3 Months to below 6 Months: 3.80 percent per annum
• Individual Remittance Fixed Deposits from 6 Months to below 1 Year: 3.90 percent per annum
• Individual Remittance Fixed Deposits from 1 Year to below 2 Years: 4.00 percent per annum
• Individual Remittance Fixed Deposits lasting 2 Years and Above: 5.00 percent per annum
• Institutional Fixed Deposits from 6 Months to below 1 Year: 2.75 percent per annum
• Institutional Fixed Deposits from 1 Year to below 2 Years: 2.75 percent per annum
• Institutional Fixed Deposits lasting 2 Years and Above: 2.75 percent per annum

Foreign Currency Savings and Fixed Deposit Structures

International currency lines support global trading accounts and general asset management across US Dollars, Euros, Great British Pounds, and Japanese Yen.

• US Dollar Savings Deposits: 1.75 percent per annum
• US Dollar Regular Fixed Deposits: 3.25 percent per annum
• US Dollar Call Deposit Accounts: Up to 1.00 percent per annum
• Euro Savings Deposits: 0.50 percent per annum
• Euro Regular Fixed Deposits: 1.50 percent per annum
• Euro Call Deposit Accounts: Up to 0.25 percent per annum
• Great British Pound Savings Deposits: 0.50 percent per annum
• Great British Pound Regular Fixed Deposits: 1.50 percent per annum
• Great British Pound Call Deposit Accounts: Up to 0.25 percent per annum
• Japanese Yen Savings Deposits: 0.50 percent per annum
• Japanese Yen Regular Fixed Deposits: 1.50 percent per annum
• Japanese Yen Call Deposit Accounts: Up to 0.75 percent per annum

Corporate and Retail Floating Rate Loan Portfolios

Floating rate credit facilities are determined using the bank base rate plus a designated premium margin percentage ceiling.

• Deprived Sector Institutional Floating Track: Base rate plus a premium spread up to 5.00 percent
• Deprived Sector Retail Floating Track: Base rate plus a premium spread up to 5.00 percent
• Working Capital Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Cash Credit Floating Track: Base rate plus a premium spread up to 5.00 percent
• Demand Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Term Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Trust Receipt Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Export Credit Floating Track: Base rate plus a premium spread up to 5.00 percent
• SME Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Hire Purchase Loan Commercial Vehicle Floating Track: Base rate plus a premium spread up to 5.00 percent
• Hire Purchase Loan Private Vehicle Floating Track: Base rate plus a premium spread up to 5.00 percent
• Mortgage Overdraft Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Mortgage Term Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Loan Against Share Floating Track: Base rate plus a premium spread up to 5.00 percent
• Professional Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Bridge Gap Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Education Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Home Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Home Loan Repair Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Agriculture Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Laghu Udhyam Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Self Employment Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Consumption Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Personal Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Equipment Loan Floating Track: Base rate plus a premium spread up to 5.00 percent
• Loan Against Gold and Silver Floating Track: Base rate plus a premium spread up to 5.00 percent
• Prime Bewashaya Jeevan Rakshya Karja Floating Track: Base rate plus a premium spread up to 5.00 percent

Asset Backed Loans and Fixed Rate Packages

Individual consumer lines and specialized asset backed credit facilities offer stable fixed interest parameters or unique premium rules based on the underlying collateral.

• Loans Secured Against Own Fixed Deposit: Priced at the underlying asset coupon rate plus a premium spread up to 2.00 percent
• Loans Secured Against Government Bonds: Base rate plus a premium spread up to 2.00 percent
• Consortium Loans Credit Lines: Determined independently as per specific institutional consortium decisions
• Fixed Rate Consumer Loan Products Band: Annual fixed interest rate ranging from 9.00 percent to 11.00 percent per annum
• Eligible Credit Lines under Fixed Pricing: Prime Home Loan, Prime Hire Purchase Loan, Mortgage Loan, and Other Personal Nature Loans

Core Policy Rules and Operational Guidelines

Operational reference standards, special currency parameters, and internal interest compliance metrics ensure full alignment with financial market directives.

• Foreign Currency Remittance Accounts: Foreign currency remittance deposit products automatically qualify for a minimum of 1.00 percent additional interest rate margin
• Fixed Maturity Tenure Constraints: Fixed deposit placements must fulfill a minimum duration of 3 months for individual depositors and 6 months for corporate or institutional entities
• Foreign Currency Lending Schemes: Interest rates applied to foreign currency credit options are determined on a deal to deal basis according to market movements subject to Nepal Rastra Bank rules
• Product Class Uniformity Mandate: Any internal interest rate variances between similar nature retail loan products must remain strictly aligned with Nepal Rastra Bank Directive number 15/082
• Regulatory Priority Framework: General central bank directives govern any specific policy sectors or administrative updates across the banking network

For More: Prime Bank Interest Rates