Sanima Bank Limited Announces Revised Interest Rates for Deposits and Credit Risk Premiums

14th June 2026, Kathmandu

Sanima Bank Limited has officially updated its interest rate structures across all local currency savings, foreign currency accounts, fixed placement tiers, and diverse corporate and retail credit portfolios.

Sanima Bank Interest Rates 

The newly announced rates take effect on June 15 2026, marking the 1st day of Ashad 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.

Reviewing the Local Currency Savings Deposit Portfolio and Specialty Tiers

The updated savings framework applies a uniform return benchmark across most specialized accounts while giving a clear return lift to inbound remittance platforms and elite payroll tiers.

The updated annualized yields and minimum balance rules for local currency savings include:

• Premium Inbound Remittance Track: The Super Remittance Savings Account delivers the highest primary yield at 3.80% per annum, with no minimum balance required.
• Standard Specialty Savings Lines: Share Janajati IPO, NRN Special, Super Savings, Family Super, Platinum Payroll, and Subhavan Bachat accounts all yield 2.80% per annum. Minimum balance rules require 50000.00 NPR for NRN Special, 25000.00 NPR for Super Savings, 15000.00 NPR for Family Super, and 10000.00 NPR for Subhavan Bachat accounts.
• Basic and Targeted Demographic Tracks: Dirghayu Bachat, Nari Bachat, Mero Bachat, Special Salary, Balbhavan Bachat, Generation Sanima, and all other basic local currency saving options yield 2.35% per annum, with no minimum balance required.
• Targeted Recurring and Call Schemes: The individual Recurring Deposit track for terms from 12 months up to 60 months pays 2.35% per annum with a minimum entry balance of 1000.00 NPR. Standard Local Currency Call Deposits are capped up to 1.375% per annum.

The bank treasury notes that interest payments for all active local currency savings and call deposit lines will be processed strictly on a standard quarterly frequency.

Examining Local Currency Fixed Deposits for Individuals and Institutions

For long term capital preservation, the bank splits its local currency fixed structures by client group, providing a specific return premium for multi year individual commitments and inbound remittance funds.

The annualized local currency fixed deposit yields and structural parameters include:

• Individual Fixed Placements: Terms from 3 months to 12 months yield 2.80% per annum. Terms from above 12 months to 24 months yield 2.85% per annum. Terms from above 24 months to 60 months pay 3.20% per annum, requiring a minimum balance of 100000.00 NPR at rural branches. Terms stretching above 60 months pay 4.30% per annum, requiring a minimum balance of 50000.00 NPR at outside valley branches.
• Inbound Remittance Incentivized Placements: Terms from above 12 months to 24 months yield 3.85% per annum, requiring a minimum balance of 100000.00 NPR at inside valley branches. Terms from above 24 months to 60 months offer 4.30% per annum, while long terms stretching above 60 months provide the top tier return of 5.00% per annum.
• Corporate Institutional Placements: Fixed institutional terms from 6 months to 12 years pay 2.75% per annum. Placements from above 1 year to 3 years yield 2.85% per annum. Placements from above 3 years to 5 years pay 2.91% per annum, while terms stretching above 5 years pay 3.50% per annum.

For all newly opened individual and institutional fixed deposit accounts, interest distributions will follow a standard quarterly frequency. Institutional bidding rates for local and foreign currency placements will follow active central bank guidelines.

Evaluating Foreign Currency Saving, Call, and Fixed Deposit Structures

To support international business and cross border trade, the foreign currency matrix provides specific returns and liquidity terms across global reserve assets.

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The foreign currency annualized savings yields, call metrics, and minimum balance boundaries include:

• Premium US Dollar Accounts: The Platinum USD Saving Account pays 1.35% per annum with a minimum balance of 20000.00 USD. The Remittance Platinum USD Savings track offers an enhanced return of 2.35% per annum, with no minimum balance required.
• Standard US Dollar Accounts: Standard savings accounts pay 1.35% per annum with a 10.00 USD minimum balance, while call lines offer 0.68% per annum. Fixed placements from above 6 months to 12 months pay 2.08% per annum, rising to 2.25% per annum for terms above 12 months. Premium fixed options offer up to 3.15% per annum for terms above 12 months.
• Other Global Currencies: Euro savings pay 0.95% per annum, call lines pay 0.48% per annum, and fixed terms pay 1.15% per annum. Great Britain Pound savings pay 1.10% per annum, call lines pay 0.55% per annum, and fixed terms pay 1.10% per annum. Australian Dollar savings pay 1.18% per annum, call lines pay 0.59% per annum, and fixed terms pay 1.32% per annum. Canadian Dollar savings pay 1.35% per annum, call lines pay 0.68% per annum, and fixed terms pay 1.50% per annum.
• Asian Reserve Currencies: Japanese Yen savings pay 0.55% per annum, call lines pay 0.28% per annum, and fixed terms pay 0.65% per annum. Chinese Yuan savings pay 0.95% per annum, call lines pay 0.48% per annum, and fixed terms pay 1.25% per annum.

Interest rates on foreign currency fixed deposits issued to NRN clients or funded via inbound remittance channels will automatically receive an additional 1.00% premium rate over the baseline schedules.

Reviewing Floating Rate Credit Premium Caps Over the Base Rate

For commercial, industrial, and development credit facilities, the institution applies a floating pricing system. This system adds a fixed risk premium spread on top of the foundational base rate.

The floating credit risk premium spreads include:

• Foundational Base Rate Metrics: The base rate for Baishakh 2083 is established at 4.97% per annum, with an interest rate spread of 3.64% per annum. The average base rate for the previous three consecutive months ending Baishakh 2083 stands at 5.05% per annum.
• Corporate Cash and Working Capital Lines: Corporate cash credit loans carry a risk premium from 1.00% to 3.00% over the base rate. Standard corporate term loans for working capital and fixed assets carry a premium from 1.25% to 3.25%, while corporate trust receipt and short term loans within letters of credit carry a premium from 0.50% to 2.00%.
• Small and Medium Enterprise Financing: SME working capital loans carry a premium from 1.10% to 3.10% over the base rate. SME term loans for working capital and fixed assets carry a premium from 1.35% to 3.35%, while specialized SME trust receipt and working capital loans within letters of credit range from 0.50% to 3.00%.
• Agricultural and Energy Sector Portfolios: All standard agriculture and energy sector financing lines carry a risk premium from 1.00% to 3.00% over the base rate. Specialized corporate working capital lines for agricultural projects carry a lower premium from 0.25% to 2.25%.
• Secured Liquid and Margin Lending Alternatives: Loans against share or bond portfolios carry a premium from 1.00% to 3.00% over the base rate, which drops to a range of 0.50% to 2.50% for large scale margin lending demand loans valued at 20 Crore NPR and above. Eco home loans carry a risk premium ranging from 1.00% to 2.75%.

Examining Fixed Interest Rate Options for All Term Loan Packages

To help individual and commercial borrowers maintain budget stability over multi year horizons, the bank provides fixed interest tracks that protect against market base rate changes.

The fixed interest rate structures for term loan packages include:

• Short Term Financing Lines: Fixed term credit running up to a 12 month maturity carries an interest rate up to 9.50% per annum.
• Mid Range Financing Lines: Fixed term credit running from 12 months to 24 months carries an interest rate up to 10.00% per annum. Fixed term credit running from 24 months to 36 months carries an interest rate up to 10.50% per annum.
• Long Term Financing Lines: Fixed term credit options extending above a 36 month maturity carry an interest rate up to 11.50% per annum.

Credit Exceptions, Deprived Sector Rules, and Penalty Parameters

Specific risk guidelines, central bank mandates, and penalty terms apply to special development loans, consortium financing deals, and past due commercial accounts.

The active credit parameters and penalty rules include:

• Deprived Sector and Subsidized Credit: Risk premiums for wholesale deprived sector loans are capped up to 2.00% over the base rate. Interest rate concessions and special premium reliefs are provided to targeted industrial sectors and internal or external deprived sector lines in strict compliance with central bank directions.
• Secured Document Financing Facilities: Loans backed by a client s own fixed deposit receipt carry a risk premium ranging from 0.50% to 2.00% over the baseline coupon rate or the operational base rate, whichever stands higher. Loans against government securities, bonds, or first class bank guarantees carry a premium from 0.00% to 2.00%.
• Unsecured and Past Due Financing: The specialized Smart Loan track carries a flat rate of 15.00% per annum. Forced credit accounts carry an automated premium penalty of plus 4.00% per annum over standard rates. Past due or expired loan accounts incur a penal interest charge of plus 2.00% per annum on the overdue balance.
• Consortium Financing Operations: Interest rates applied to large scale consortium corporate financing projects will be decided independently by the participating consortium bank committee members.
• Individual Premium Calculations: The final premium rate for each individual borrower or corporate deal depends on the loan category, specific maturity tenure, internal credit risk ratings, and full compliance with central bank directives. Interest payments will be due on a monthly or quarterly basis based on the nature of the loan.

For More: Sanima Bank Interest Rates