Shangri-La Development Bank Limited Announces Revised Interest Rates for Deposits and Credit Facilities
14th June 2026, Kathmandu
Shangri-La Development Bank Limited has officially updated its interest rate structures across all local currency savings, specialized call lines, fixed term placements, and diverse corporate and retail credit portfolios.
Shangri-La Bank Interest Rates
The newly announced rates take effect on June 15 2026, marking the 1st day of Asar 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.
Call Deposit Portfolio Tiers
Shangri-La Development Bank provides multiple call placement options with uniform maximum yields and structured quarterly payout frequencies.
- Co-Ops Call Account: Up to 1.37 percent per annum
- BFI Call Account: Up to 1.37 percent per annum
- Corporate Call A/C: Up to 1.37 percent per annum
- Call Account Others: Up to 1.37 percent per annum
- Special Call A/C: Up to 1.37 percent per annum
Local Currency Savings Deposit Portfolio Tiers
Local savings lines are categorized by demographic target groups, with distinct interest posting intervals assigned across specialty tracks.
- Staff Saving Account: 2.75 percent per annum with quarterly interest posting
- Normal Saving Account: 2.75 percent per annum with quarterly interest posting
- Bal Bhabishya Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Pewa Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Bidhharthi Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Group Saving-MF Account: 2.75 percent per annum with quarterly interest posting
- Personal Saving-MF Account: 2.75 percent per annum with quarterly interest posting
- Micro Finance Saving Account: 2.75 percent per annum with quarterly interest posting
- Karmachari Sulav Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Recurring Account: 2.75 percent per annum with quarterly interest posting
- Samajik Surakchya Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Mero Shangri-la Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Shangri-la Uchhatam Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Shangri-la Green Saving Account: 2.75 percent per annum with quarterly interest posting
- Surakshit Bal Bachat Khata: 2.75 percent per annum with quarterly interest posting
- Gurkha Saving Account: 2.75 percent per annum with quarterly interest posting
- Salary Saving Account: 2.75 percent per annum with quarterly interest posting
- Shangri-la Super Premium Bachat: 2.75 percent per annum with quarterly interest posting
- Nari Bachat Khata: 2.75 percent per annum with monthly interest posting
- Jestha Nagarik Bachat Khata: 2.75 percent per annum with monthly interest posting
- Shangri-la Sambriddhi Bachat Khata: 2.75 percent per annum with monthly interest posting
- Shangri-la Pay roll Account: 2.75 percent per annum with monthly interest posting
- Shangri-la Naulo Bachat Account: 2.75 percent per annum with monthly interest posting
- Swornim Nari Bachat Khata: 2.75 percent per annum with monthly interest posting
- Shareholder Saving Account: 3.00 percent per annum
- Buddha Bhumi Bachat Khata: 3.00 percent per annum
- Sunaulo Remittance Account: 4.00 percent per annum
Local Currency Fixed Deposit Investment Tiers
Individual and institutional fixed funds are separated by commitment timelines and specific funding sources, offering a clear premium for remittance earnings.
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- Individual Fixed Deposits 3 Months to 1 Year: 2.75 percent per annum
- Individual Fixed Deposits Above 1 Year to 2 Years: 2.90 percent per annum
- Individual Fixed Deposits Above 2 Years to 3 Years: 3.00 percent per annum
- Individual Fixed Deposits Above 3 Years to 4 Years: 3.15 percent per annum
- Individual Fixed Deposits Above 4 Years to 5 Years: 3.25 percent per annum
- Individual Fixed Deposits Above 5 Years: 4.66 percent per annum
- Remittance Fixed Deposits 3 Months to 1 Year: 3.75 percent per annum
- Remittance Fixed Deposits Above 1 Year to 2 Years: 3.90 percent per annum
- Remittance Fixed Deposits Above 2 Years to 3 Years: 4.00 percent per annum
- Remittance Fixed Deposits Above 3 Years to 4 Years: 4.15 percent per annum
- Remittance Fixed Deposits Above 4 Years to 5 Years: 4.25 percent per annum
- Remittance Fixed Deposits Above 5 Years: 5.66 percent per annum
- Institutional Fixed Deposits 6 Months and Above: 2.75 percent per annum
Individual Credit Portfolios and Premium Caps
Floating rate retail lines are priced via a maximum risk premium spread applied on top of the bank’s active base rate, which stands at 5.64 percent per annum as of Baishakh End 2083.
- Personal Overdraft Facilities: Up to 3.99 percent premium spread over the base rate
- Easy Term Personal Loans: Up to 3.99 percent premium spread over the base rate
- Residential Home Loans: Up to 3.99 percent premium spread over the base rate
- Hire Purchase Vehicle Financing: Up to 3.99 percent premium spread over the base rate
- Share and Security Secured Credit: Up to 3.99 percent premium spread over the base rate
- Guarantee Backed Retail Loans: Up to 3.99 percent premium spread over the base rate
- Gold and Silver Asset Loans: Up to 3.99 percent premium spread over the base rate
- Foreign Employment Finance Track: Up to 3.99 percent premium spread over the base rate
- Higher Education Loan Packages: Up to 3.99 percent premium spread over the base rate
- Private Auto Loan Packages: Up to 3.99 percent premium spread over the base rate
- Personal Demand Loan Financing: Up to 3.99 percent premium spread over the base rate
- Loans Backed by Own Fixed Deposit Receipts: Coupon rate plus 3.00 percent premium spread
Corporate and SME Financing Premium Spreads
Commercial financing and corporate infrastructure options carry a uniform maximum risk premium spread to maintain pricing consistency for local business operators.
- Business Overdraft Credit Lines: Up to 3.99 percent premium spread over the base rate
- Corporate Commercial Term Loans: Up to 3.99 percent premium spread over the base rate
- Commercial Vehicle Financing: Up to 3.99 percent premium spread over the base rate
- SME Loan Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- SME Loan Term Financing: Up to 3.99 percent premium spread over the base rate
- Corporate Demand Loan Tracks: Up to 3.99 percent premium spread over the base rate
- Agriculture Loan Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- Agriculture Loan Term Financing: Up to 3.99 percent premium spread over the base rate
- Industrial Loan Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- Industrial Loan Term Financing: Up to 3.99 percent premium spread over the base rate
- Energy Sector Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- Energy Sector Term Financing: Up to 3.99 percent premium spread over the base rate
- Tourism Sector Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- Tourism Sector Term Financing: Up to 3.99 percent premium spread over the base rate
- Real Estate Overdraft Tracks: Up to 3.99 percent premium spread over the base rate
- Real Estate Term Financing: Up to 3.99 percent premium spread over the base rate
- Commercial Bridge Gap Loans: Up to 3.99 percent premium spread over the base rate
Deprived Sector Lending and Concession Metrics
Specialized micro finance parameters and premium caps are applied to community development lines, with mandated target group relief options.
- Deprived General Micro Finance Lines: Up to 4.99 percent premium spread over the base rate
- Seasonal Production Micro Loans: Up to 4.99 percent premium spread over the base rate
- Micro Enterprise Credit Facilities: Up to 4.99 percent premium spread over the base rate
- Low Cost Residential Housing Financing: Up to 4.99 percent premium spread over the base rate
- Deprived Loan Alternative Tracks: Up to 4.99 percent premium spread over the base rate
- Micro Hydro Development Loans: Up to 4.99 percent premium spread over the base rate
- Institutional Wholesale Lending Lines: Up to 2.00 percent premium spread over the base rate
- Targeted Demographic Interest Concessions: At least 1.00 percent interest discount below the published rate for Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, War Victims, Single Women, and differently abled individuals
- Consortium Corporate Loan Operations: Pricing determined independently as per the participating consortium member agreement
Fixed Interest Rate Options for Personal Term Loans
Individual retail borrowers can access long term personal term loans at a guaranteed flat rate to protect against market liquidity fluctuations.
- Personal Term Loans with a Maturity up to 7 Years: 10.99 percent per annum fixed rate
For More: Shangri-La Bank Interest Rates
