Rastriya Banijya Bank Announces Revised Deposit And Loan Interest Rates From Shrawan 1, 2083

16th July 2026, Kathmandu

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

RBB Announces Interest Rate Revision

The updated rate schedule covers an expansive range of savings portfolios, multi-tenure fixed deposits, foreign currency schemes, and structural 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 RASTRIYA BANIJYA 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

Rastriya Banijya Bank Limited has updated returns for local currency savers. The yields and minimum balance parameters for individual savings schemes are defined below:

• Samanya Bachat Khata requires a minimum balance of 1,000 NPR and offers a yield of 2.75 percent.
• RBB Bishes Bachat Khata, RBB Sunaulo Bachat Khata, RBB Diamond Bachat Khata, Karmayogi Bachat Khata, Mahalaxmi Bachat Khata, Chhuna Muna Bachat Khata, Shikhshak Bachat Khata, Nepal Sarkar Pensioner Bachat Khata, RBB Pensioner Bachat Khata, Samajik Suraksha Bachat Khata, Armed Police Bachat Khata, Nepal Police Bachat Khata, University Pension Bachat Khata, Nepal Telecom Pensioner Bachat Khata, Krishi Anusandhan Pensioner Bachat Khata, Dirghayu Bachat Khata, Muabja Bachat Khata, Bhukampa Pidit Rahat Bachat Khata, RBB Karmachari Bachat Khata, Nepal Army Karmachari Bachat Khata, Talabi Bachat Khata, Bidyarthi Super Bachat Khata, RBB Samriddhi Bachat Khata, and Chhori Suraksha Bachat Khata Karnali all provide an annual yield of 2.80 percent.
• RBB Remittance Bachat Khata provides the highest local currency savings yield at 3.80 percent.

Additionally, local currency call deposit accounts yield based on mutual understanding.

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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 1 year offers 3.00 percent, 1 year to 2 years offers 3.15 percent, 2 years to 3 years offers 3.25 percent, 3 years to 5 years offers 3.50 percent, and tenures above 5 years offer 4.00 percent.
• For RBB Bishes Fixed Deposits, individual rates match the standard individual brackets identically.
• For non-individual institutional fixed deposits including bidding options, the bank offers 2.75 percent for 6 months to 3 years, 2.80 percent for 3 years to 5 years, and 3.00 percent for tenures above 5 years.
• RBB Remittance Fixed Deposits across 3 months to 5 years offer a premium flat rate of 5.00 percent, while RBB Akshayakosh Fixed Deposits are set at 3.75 percent.
• For foreign currency savings deposits, US Dollar accounts require a minimum balance of 10 USD and offer 2.75 percent, while Euro and other currency accounts offer 1.00 percent. Foreign currency fixed deposits for 3 months and above offer 3.00 percent for USD, and 2.00 percent for Euro and other currencies.

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 personal and institutional portfolios:

Floating rate premium bands include RBB SME Working Capital Loans at 1.10 percent for industrial and 1.25 percent for commercial users. Overdraft and Cash Credit carry a premium of 1.10 percent to 1.45 percent. Home Loans carry a premium of 2.00 percent to 2.50 percent, Vehicle Loans carry a premium of 2.00 percent to 3.00 percent, and Electric Vehicle Loans carry a premium of 1.35 percent to 2.00 percent depending on the tenure.

Fixed interest rate options for individual borrowers offer long term security, where standard Home Loans are locked at 7.25 percent up to 5 years, 7.50 percent up to 10 years, and 7.75 percent up to 15 years. Vehicle Loans up to 7 years are fixed at 8.00 percent, while Electric Vehicle Loans are fixed at 6.50 percent. Fixed rates for institutional term loans between 5 to 10 years are set at 7.00 percent for industrial, 7.25 percent for commercial, and 8.25 percent for housing real estate sectors.

STRATEGIC MARGIN MANAGEMENT AND ACCOUNT OPENING PROVISIONS

The latest financial publication from Rastriya Banijya Bank Limited confirms that the average base rate for the previous three months stands at 4.22 percent. The net interest spread as of Jestha 2083 is recorded at 3.37 percent, showcasing structured alignment with the regulatory limits enforced by Nepal Rastra Bank.

A key highlight of the bank’s updated credit and deposit strategy is its focus on ease of access and foreign currency inflows. The bank has stated that for any foreign currency savings or fixed deposits received directly via formal remittance channels, an additional 1 percent interest rate will be provided over the published rates. Furthermore, under the Nepal Government’s Open Bank Account Campaign 2076, special accounts like Bidyarthi Super Bachat Khata, RBB Samriddhi Bachat Khata, and RBB Remittance Bachat Khata can be opened with a zero balance, and the bank will initially deposit 100 NPR into the account on its own behalf.

By defining precise floating premiums alongside predictable fixed retail and institutional tracks, the bank balances commercial risk mitigation with consumer accessibility. Loans against the bank’s own fixed deposit receipts are priced at the coupon rate plus 2.00 percent, ensuring the asset remains secured above the base rate. The low baseline 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: RBB Announces Interest Rate Revision