Siddhartha Bank Interest Rates Updated for for Deposits and Loans 2026

13th April 2026, Kathmandu

Siddhartha Bank has officially revised its deposit and lending interest rates effective from April 14 2026.

Siddhartha Bank Interest Rates

The updated structure reflects current financial market trends and aims to provide competitive returns to depositors while maintaining flexible and accessible loan options for all customer segments.

This latest update on Siddhartha Bank Interest Rates Updated includes comprehensive changes across savings accounts fixed deposits foreign currency deposits and a wide range of loan products. These revisions are designed to align with the regulatory environment of Nepal while catering to the evolving needs of retail and corporate clients as of Baisakh 2083.

Savings Deposit Interest Rates

Siddhartha Bank has moved toward a simplified approach for its savings portfolio. Currently the bank offers a wide range of savings accounts with a uniform interest rate of 2.75 percent per annum.

Popular Savings Products include:

• Siddhartha Sajilo Bachat Khata and Gen-Z Saving
• Siddhartha Nari Bachat (Targeted for women)
• Siddhartha Platinum Saving and Smart Salary Account
• Siddhartha Remit Account and Social Security Saving
• Siddhartha Bal Bachat Khata (For minors)

This uniform rate simplifies the decision making process for customers while ensuring steady and predictable returns across different account categories.

Fixed Deposit (FD) Interest Rates

The bank provides several tiers for fixed deposits based on the duration of the investment and the nature of the funds. Remittance based deposits continue to receive higher incentives to encourage formal inflow of foreign exchange.

Individual Fixed Deposits:

• 3 months to below 1 year: 3.00 percent
• 1 year to 2 years: 3.25 percent
• Above 2 years: 4.00 percent

Remittance Fixed Deposits:

• 3 months to below 1 year: 4.00 percent
• 1 year to 2 years: 4.25 percent
• Above 2 years: 5.00 percent

Institutional fixed deposits offer up to 3.25 percent for tenures above 5 years. Additionally recurring and goal based deposits like the Goal Saver Account offer a rate of approximately 3.05 percent.

Foreign Currency Deposit Rates

To support the needs of international businesses and the Non Resident Nepali community Siddhartha Bank provides deposit options in multiple foreign currencies.

Currency-Specific Rates:

• USD: Savings 2.50 percent and FD up to 3.25 percent
• EUR: Savings 1.00 percent and FD up to 1.25 percent
• GBP: Savings 2.00 percent and FD up to 3.00 percent
• AUD/CAD: Ranging from 1.00 percent to 2.00 percent

Notably NRN and remittance customers receive an additional 1 percent interest on foreign currency deposits making these some of the most attractive options in the Nepalese market for 2083.

Loan and Lending Interest Rates

Siddhartha Bank continues to follow a Base Rate plus Premium model for its lending portfolio. The final interest rate is determined by adding a specific percentage premium to the current base rate of the bank.

Working Capital and Term Loans:

• Corporate: Base Rate + up to 2.25 percent (Working Capital) / 2.50 percent (Term)
• SME: Base Rate + up to 2.50 percent (Working Capital) / 3.00 percent (Term)
• Micro: Base Rate + up to 3.25 percent

Sector-Specific Loans:

• Agriculture: Base Rate + up to 3.25 percent
• Energy Sector: Base Rate + up to 2.50 percent
• Education and Professional Loans: Base Rate + up to 3.25 percent

Fixed Interest Rates for Individual Loans

For borrowers who prefer to avoid the volatility of a floating base rate the bank has introduced highly competitive fixed rate options for individual retail loans.

Home and Mortgage Loans:

• Siddhartha Hamro Ghar Karja: Starting from 7.75 percent (fixed for 7 years).
• Special Rate for Women: 7.49 percent fixed for 7 years.
• Mortgage Loans: Range from 9.75 percent to 10.25 percent based on tenure.

Vehicle and Hire Purchase:

• Electric Vehicle (EV) Loans: Starting from 8.25 percent for women.
• Standard Auto Loans: 9.25 percent to 10.25 percent depending on the loan period.

Key Highlights of the April 2026 Update

The latest Siddhartha Bank Interest Rates Updated structure emphasizes stability and specialized support:

• A uniform savings interest rate fixed at 2.75 percent for clarity.
• Long term fixed deposit returns reaching up to 5.00 percent for remittance.
• A transparent loan pricing model based on the base rate plus premium.
• Industry leading fixed home loan rates starting from just 7.75 percent.
• Significant additional benefits and lower rates for women and NRN customers.

Conclusion

The revised Siddhartha Bank Interest Rates Updated for April 2026 reflect a balanced and customer focused approach. With stable savings returns competitive fixed deposit rates and highly attractive fixed rate home and EV loan options the bank continues to strengthen its position in the banking sector of Nepal.

These updates are expected to benefit both savers and borrowers while supporting financial growth and economic development across the country in the year 2083. Customers are advised to visit their nearest Siddhartha Bank branch to discuss specific loan requirements or to open a new account under these revised terms.

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