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

16th July 2026, Kathmandu

Sanima Bank Limited, a leading commercial bank in Nepal, has officially released its updated interest rate structures for deposit and lending portfolios.

Sanima Bank Interest Rate Revision Announcement

The adjusted interest schedules take effect from Shrawan 1, 2083, corresponding to July 17, 2026.

The bank noted that the revised interest rates apply to local currency saving accounts, domestic fixed deposits, foreign currency options, and customized credit lines. Under the updated policy, interest payouts on all savings, call, and newly opened fixed deposits will follow a quarterly distribution cycle.

Key Highlights Of Sanima Bank Deposit Interest Rates

The financial institution has realigned its domestic savings yields across specific consumer and deposit categories to accommodate diverse retail clients:

• Standard savings accounts provide an annual interest yield of 2.75 percent. This baseline applies to Sanima Dirghayu Bachat Khata, Sanima Sahaj Bachat Khata, Sanima Mero Bachat Khata, Sanima Special Salary Account, Sanima Dirghayu Talab Khata, Generation Sanima Savings Account, and all other standard local currency saving options.
• Accounts yielding 2.80 percent per annum require specific minimum balance entries. These include Sanima NRN Special Savings with a 5000 NPR minimum, Sanima Super Savings Khata with a 25000 NPR minimum, Sanima Family Super Savings Account with a 15,000 NPR minimum, and Sanima Sunaulo Bachat Khata with a 10000 NPR minimum. Sanima Platinum Payroll Savings Account also yields 2.80 percent with zero balance.
• Premium savings yield tiers reach 3.80 percent per annum for specialized remittance tracks. This tier includes the Sanima Super Remittance Savings Account and the Sanima Remittance IPO Saving Account.

Maturity timelines for Nepalese Rupee term deposits have been structured differently for individual and institutional investors. Individual Fixed Deposits offer tiered returns:

• 2.85 percent for a 3-month to 6-month term.
• 3.50 percent for a 6-month to 12-month term.
• 4.50 percent for tenures from 12 months up to 24 months.
• 4.50 percent for a 24-month to 60-month term.
• 5.50 percent for tenures exceeding 60 months.

Minimum balance specifications for individual savers vary by geography, requiring 10000 NPR at rural branches, 50000 NPR outside the Kathmandu valley, and 100000 NPR inside the Kathmandu valley.

Institutional Fixed Deposits offer alternate yields over longer cycles, maintaining fixed targets for corporate treasuries:

• 2.75 percent for 3 months to 12 months.
• 2.85 percent for terms between 12 and 24 months.
• 3.01 percent for timelines between 24 and 36 months.
• 3.30 percent for maturities expanding above 36 months.

Sanima Recurring Deposits for individuals yield a standard 3.85 percent for tenures spanning 12 months to 60 months. Call deposits for local currency portfolios yield up to 1.375 percent per annum.

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Foreign Currency Savings and Fixed Term Returns

The bank provides distinct annual interest payouts for global currency savings and call accounts:

• US Dollar savings yield 1.35 percent with a 10 USD minimum balance.
• Great Britain Pound accounts pay 1.10 percent with a 5 GBP minimum.
• Canadian Dollar accounts pay 1.35 percent with a 5 CAD minimum.
• Euro savings yield 0.95 percent with a 5 EUR minimum.
• Australian Dollar accounts offer 1.18 percent with a 5 AUD minimum.
• Japanese Yen savings pay 0.55 percent with a 1000 JPY minimum.
• Chinese Yuan accounts pay 0.95 percent with a 100 CNY minimum.

Specialized foreign currency products include the Sanima Platinum USD Saving Account which yields 1.85 percent with a 20000 USD minimum balance, and the Sanima Remittance Platinum USD Savings which provides an optimized return of 2.85 percent.

For individual and institutional foreign currency fixed accounts, interest yields are uniform across standard global currencies, requiring a 1000 unit baseline deposit (100 units for CNY):

• Great Britain Pound terms offer 1.30 percent per annum.
• Canadian Dollar terms yield 1.50 percent per annum.
• Euro portfolios yield 1.15 percent per annum.
• Australian Dollar lines pay 1.37 percent per annum.
• Japanese Yen placements yield 0.85 percent per annum.
• Chinese Yuan terms yield 1.25 percent per annum.

Standard USD Fixed Deposits offer 1.95 percent for terms between 6 months and 2 years, 2.08 percent for 2 to 3 years, 2.25 percent for 3 to 5 years, and 2.80 percent for timelines over 5 years. Premium USD Fixed Deposits scale higher, yielding 2.75 percent for 3 to 6 months, 3.00 percent for 6 to 12 months, and 3.15 percent for tenures above 12 months, backed by a 1000000 USD minimum balance requirement. Non-Resident Nepalese fixed options earn a 1 percent premium above standard foreign currency fixed rates.

Lending Lines and Floating Risk Premium Framework

Lending solutions at Sanima Bank utilize variable floating structures driven by added premiums placed over the institutional base rate. For the period ending Jestha 2083, the bank’s base rate is recorded at 4.88 percent, with an average base rate of 4.99 percent calculated over the previous three consecutive months. The net interest spread stands compliant at 3.49 percent.

Floating credit premium ranges are distributed based on borrowing categories, target risk parameters, and corporate assignments:

• Corporate group term type loans and permanent working capital lines carry an additional premium of 1.20 to 3.20 percent over the base rate. For loan swapping cases, the premium scales from 0.80 to 2.50 percent. Credits to hire purchase businesses carry a premium of 0.75 to 2.75 percent.
• Corporate revolving working capital and cash credit options feature premiums of 0.90 to 2.75 percent, or 0.55 to 2.50 percent under swapping arrangements.
• Corporate trust receipt, short term, and bridge gap loans up to 270 days carry a premium of 0.50 to 2.50 percent, while ad-hoc variations up to 180 days feature premiums between 0.25 and 2.25 percent.
• Small and Medium Enterprise credit options carry unique premium tiers. SME term loans and permanent working capital feature a premium of 1.35 to 3.35 percent over the base rate. Swapping cases above 50 million NPR scale between 1.05 and 3.00 percent.
• SME revolving working capital and cash credit setups require a premium of 1.15 to 3.10 percent, dropping to 0.85 to 2.75 percent for high value swapped accounts. Trust receipt credit above 50 million NPR ranges from 0.65 to 2.50 percent, while ad-hoc lines up to 180 days are set at 0.50 to 2.50 percent.
• Agricultural lending solutions are segmented under specific corporate and individual limits. Term type credit under corporate agriculture maps a premium of 0.35 to 2.25 percent over the base rate, while other agro term options carry a premium of 0.60 to 2.50 percent.
• Agro revolving working capital lines for corporate firms add a premium of 0.25 to 2.25 percent, while alternative agro working capital scales from 0.50 to 2.50 percent. Trust receipt and short term lending to export industries are restricted to a low premium of 0.15 to 2.15 percent.
• Energy sector term and working capital loans reflect a premium of 1.00 to 3.00 percent, whereas bridge gap and ad-hoc arrangements up to 365 days carry 0.55 to 2.50 percent.
• Consumer financing products are systematically premium managed. Eco Home Loans require an added premium of 1.00 to 3.00 percent over the base rate, while standard Home Loans reflect a premium of 1.25 to 3.00 percent.
• Corporate auto loans run at 1.00 to 3.00 percent premiums, while other consumer auto loans require 1.50 to 3.50 percent.
• Home equity loans carry premiums of 1.25 to 3.25 percent, scaling up to 1.55 to 3.50 percent if attracting high regulatory risk weights.
• Retail overdrafts and education loans carry premium rates ranging between 2.05 and 3.50 percent over the base rate. Professional loans add a premium of 1.80 to 3.50 percent.
• Margin lending packages carry a premium of 0.55 to 2.50 percent for corporate borrowers with limits at or above 200 million NPR, while other stock and share collaterals run on a premium of 1.25 to 3.00 percent.

Wholesale deprived sector lending additions are limited up to 2.00 percent premium. Financing against the bank’s own fixed deposit receipts carries an interest rate equal to the asset’s coupon or base rate, whichever is higher, plus a premium of 0.60 to 2.00 percent.

Predictable Consumer And Commercial Fixed Lending Tracks

Borrowers aiming to prevent variable rate volatility can lock down fixed annual interest rates across set operational horizons:

• All installment or term financing lines lasting up to 13 months are capped at a maximum fixed rate of 9.50 percent per annum.
• Term structures stretching from 13 months to 24 months are limited up to a fixed rate of 10.00 percent per annum.
• Maturities spanning 24 months to 36 months carry a maximum fixed rate of 10.50 percent per annum.
• Broad corporate and personal term lines lasting beyond 36 months are capped up to a maximum fixed rate of 11.00 percent per annum.
• Special consumer home loans under the 7-year fixed track feature individual structures depending on total maturity. Rates are fixed at 9.00 percent for tenures up to 5 years, 9.50 percent for 6 to 10 years, and 10.00 percent for tenures beyond 11 years.
• Long term business lending includes Easy Business Loans for working capital or term needs which are locked at an incentive rate of 5.99 percent per annum for the first 2 years. Primary fixed corporate term facilities up to 5 years are limited up to 8.00 percent per annum.

For More: Sanima Bank Interest Rate Revision Announcement