Siddhartha Bank Limited Announces Revised Deposit And Loan Interest Rates From Shrawan 1 2083
16th July 2026, Kathmandu
Siddhartha Bank Limited has formally released its updated interest rate parameters across local and foreign currency portfolios.
Siddhartha Bank Announces Revised Interest Rates
The newly calibrated schedules come into operational effect from Shrawan 1, 2083, which aligns with July 17, 2026.
The bank confirmed that the modified rates will guide retail savings, individual and corporate fixed term assets, and customizable retail or institutional advances.
Key Highlights Of Siddhartha Bank Deposit Interest Rates
The local currency savings structure has been grouped into specific pricing blocks based on targeted account features and consumer demographics:
A baseline yield of 2.75 percent per annum applies to a wide selection of savings accounts. This includes Siddhartha Sajilo Bachat Khata, Siddhartha Peacekeeping Savings, Siddhartha Life Secure Savings Account, Siddhartha Gen-Z Saving, Siddhartha Jeevan Surakshya Bachat Khata, Siddhartha Platinum Saving, Siddhartha Super Salary, Siddhartha Mero Share Khata, Siddhartha Jestha Nagarik Bachat, Siddhartha Bachat Account, Siddhartha Nari Bachat, Branchless Banking Account, Siddhartha Bal Bachat Khata, Siddhartha Social Security Saving, and Siddhartha Investors Savings Account.
A mid-tier yield of 3.00 percent per annum is designated for premium accounts, including Siddhartha Pay and Save Account for parents, Siddhartha Pay and Save Account for children, and the Siddhartha Remit Account.
The highest local saving rate of 3.05 percent per annum is distributed to select accounts. These are Siddhartha Platinum Plus Saving Account, Siddhartha Priority Saving Account, Siddhartha Professional Account, Siddhartha Horizon Platinum Saving, and Siddhartha Smart Salary Account.
The top specialized domestic saving product is the SBL Premium Remit Saving Account, which offers an optimized return of 4.05 percent per annum.
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Standard call deposits for Nepalese Rupee accounts are capped at an interest yield of up to 0.50 percent per annum.
Domestic Fixed, Recurring, And Local Term Options
Maturity timelines for Nepalese Rupee fixed deposit accounts are adjusted across separate individual, remittance, and corporate tiers:
- Individual Fixed Deposits pay 3.00 percent for tenures from 3 months to below 1 year, 3.25 percent for 1 year to 2 years, and 4.05 percent for terms extending above 2 years.
- Remittance Fixed Deposits offer premium returns for formal exchange inflows, yielding 4.00 percent for 3 months to below 1 year, 4.25 percent for 1 year to 2 years, and 5.05 percent for any tenure over 2 years.
- Institutional Fixed Deposits are set uniformly at 2.75 percent for terms spanning 1 year to 5 years, and 3.25 percent for placements above 5 years.
- Recurring fixed assets via the Goal Saver Account pay a flat 3.25 percent annual yield exclusively for individual savers.
Foreign Currency Savings and Fixed Term Returns
The bank provides distinct interest parameters for global currency accounts across standard savings and fixed terms:
- US Dollar individual and institutional accounts pay 2.50 percent for savings and 3.00 percent for call holdings. Fixed horizons up to 1 year yield 3.27 percent, and terms over 1 year yield 3.00 percent.
- Great Britain Pound assets pay 2.00 percent for savings, 2.00 percent for call deposits, and 3.00 percent for fixed deposits lasting up to 1 year.
- Euro deposits are structured to provide 1.50 percent for savings, 1.50 percent for call options, and 2.00 percent for fixed terms up to 1 year.
- Australian Dollar accounts offer 1.50 percent for savings, 2.00 percent for call allocations, and 3.00 percent for fixed placements up to 1 year.
- Canadian Dollar accounts pay 1.00 percent for savings, 1.25 percent for call products, and 1.50 percent for fixed tenures up to 1 year.
- Japanese Yen holdings pay 0.25 percent for savings, 0.40 percent for call accounts, and 0.40 percent for fixed deposits up to 1 year.
- Chinese Yuan portfolios offer 0.50 percent for savings, 0.50 percent for call lines, and 1.00 percent for fixed deposits up to 1 year.
- Non-Resident Nepalese and formal remittance customers using foreign currency savings or fixed lines receive an additional 1.00 percent premium above the baseline yields mentioned.
General call deposits in other currencies are capped up to 50 percent of the lowest saving deposit interest rate of their respective currency, with individual fixed assets requiring a minimum 3 month tenure and institutional fixed assets requiring a 6 month baseline.
Lending Lines And Variable Premium Framework
Lending solutions at Siddhartha Bank utilize a variable premium framework layered over the institutional base rate. The bank’s single base rate for Jestha end 2083 is recorded at 5.03 percent per annum, whereas the average base rate over the previous three consecutive months stands at 5.13 percent per annum. The net interest spread remains at 3.62 percent.
Floating credit premiums are aligned by business categories and operational risk groups:
- Fluctuating working capital lines, cash credits, overdrafts, short term loans, and import loans add a premium over the base rate of up to 2.25 percent for large corporate and standard corporate groups, up to 2.50 percent for SME segments, and up to 3.25 percent for microfinance portfolios.
- Dedicated agriculture working capital lines add a premium of up to 2.25 percent for large corporate and standard corporate accounts, up to 2.50 percent for SME loans, and up to 3.25 percent for micro borrowers.
- Standard working capital term loans require added premiums of up to 2.50 percent for large corporate and general corporate lines, up to 3.00 percent for SME clients, and up to 3.25 percent for micro setups.
- Agriculture term loans add up to 2.50 percent for large corporate and corporate groupings, up to 3.00 percent for SME blocks, and up to 3.25 percent for micro lines.
- Sustainable fluctuating working capital loans maintain a restricted premium of up to 2.00 percent for large corporate and general corporate firms.
- General fixed term loans add a premium of up to 2.50 percent for large corporate and standard corporate groups, up to 3.00 percent for SME operations, and up to 3.25 percent for micro units.
- Energy sector term and working capital loans add a premium of up to 2.50 percent over the base rate.
- Bridge gap loans feature premiums of up to 2.50 percent for large corporate and corporate clients, up to 3.00 percent for SME groups, and up to 3.50 percent for micro accounts.
- Personal retail products are structured uniformly. Home loans and auto loans carry a premium of up to 3.00 percent over the base rate. Commercial vehicle loans, professional loans, education loans, mortgage overdrafts, and mortgage term or short term loans carry an added premium of up to 3.25 percent over the base rate.
- Export finance lines, including lines against US Dollar letters of credit, local currency letters of credit, US Dollar export documents, or local currency export documents, carry an identical premium of up to 2.75 percent over the base rate.
- Financing secured by specific low risk financial collaterals is carefully calculated. Loans backed by the bank’s own fixed deposit receipts carry a rate equal to the asset’s coupon rate plus up to 2.00 percent or the base rate plus up to 2.00 percent, whichever is higher.
- Loans against foreign currency deposits add up to 2.75 percent over the base rate. Financing against government bonds adds a premium equal to the coupon rate plus up to 2.00 percent or the base rate plus up to 2.00 percent, whichever is higher.
- Funding backed by bank guarantees issued by foreign banks features a premium of up to 3.25 percent, while loans against shares add up to 3.00 percent over the base rate.
- Indirect deprived sector lending channels that qualify under national directived rules add a premium of up to 2.00 percent, whereas direct lending paths carry a premium of up to 3.50 percent over the base rate.
Other generalized lines up to 2 crore NPR carry a premium of up to 3.50 percent, and specialized consumer limits prescribed by Nepal Rastra Bank feature a flat addition of 2.00 percent. Foreign currency loans denominated in US Dollars are priced using benchmark interest plus a mutually agreed premium, while consortium loans follow consortium group decisions.
Predictable Consumer And Commercial Fixed Lending Tracks
For retail and commercial borrowers seeking protection from market pricing volatility, Siddhartha Bank provides stable, multi-year fixed interest rates:
- Home financing lines under the individual term category are fixed at 7.99 percent per annum for tenures up to 5 years, 8.49 percent for terms above 5 years up to 10 years, and 9.00 percent for timelines extending beyond 10 years.
- Individual mortgage term loans are fixed at 9.75 percent per annum for up to 5 years, and 10.25 percent for tenures stretching from 5 to 15 years.
- Professional loans are fixed at 9.75 percent per annum across all tenures up to 10 years.
- Individual education loans are fixed at 9.25 percent per annum for up to 5 years, and 9.75 percent for terms from 5 to 10 years.
- Hire purchase individual loans are fixed at 9.75 percent per annum for tenures up to 5 years, and 10.25 percent for any term exceeding 5 years.
- Standard auto loans are locked at 9.25 percent per annum for terms up to 5 years, and 9.75 percent for tenures above 5 years.
- The specialized Siddhartha Hamro Ghar Karja package for electric vehicles offers a highly competitive rate fixed at 7.75 percent per annum, which is further reduced to 7.49 percent per annum for women borrowers, locked for a flat 7 year horizon.
- Non-individual commercial and institutional term loans are fixed within distinct ranges based on total maturity. Tenures up to 5 years are fixed between 8.00 and 8.50 percent per annum, tenures from 5 to 10 years range from 8.75 to 8.99 percent, and long lines from 10 to 15 years are fixed between 9.00 and 9.25 percent per annum.
