Standard Chartered Bank Nepal Limited Announces Revised Deposit And Loan Interest Rates From Shrawan 1, 2083

16th July 2026, Kathmandu

Standard Chartered Bank Nepal Limited has announced its revised annual deposit and loan interest rates, effective Shrawan 1, 2083, which corresponds to July 17, 2026.

Standard Chartered Announces Interest Rate Revision

The updated rate schedule covers an expansive range of savings portfolios, multi-tenure fixed deposits, call accounts, and flexible lending packages.

The bank stated that the new interest rate framework is designed to align with current market liquidity conditions, provide balanced returns to depositors, and maintain a sustainable pricing model for borrowing clients across the country.

KEY HIGHLIGHTS OF STANDARD CHARTERED BANK INTEREST REVISION

The shifting financial dynamics reflect structured asset liability management within the commercial banking sector of Nepal. The financial institution continues to manage its fund costs efficiently while offering tailored returns to diverse consumer segments.

The new interest rate schedules detail varied percentages per annum, focusing on domestic savings categories, multi-tiered fixed deposits, and specific lending premiums:

LOCAL CURRENCY SAVINGS AND CALL DEPOSIT RATES

Standard Chartered Bank Nepal Limited has updated returns for local currency savers. The yields for individual savings schemes are defined below:

Advertisement

• Remittance Saving Account offers a yield of 3.75 percent with a minimum balance requirement of 10,000 NPR.
• Normal Saving Account, Access plus Saving Account, Kiddy Bank Saving Account, Women Savings Account, Shareholder Account, Senior Citizen Account, Payroll Plus Account, Amulya Bachat Khata, and Special Saving Account all provide an annual yield of 2.75 percent.
• Minimum balance parameters vary by category, such as 1,000 NPR for Access plus, 5,000 NPR for Kiddy Bank and Shareholder accounts, 25,000 NPR for Women Savings, 100,000 NPR for Amulya Bachat Khata, and 300,000 NPR for Special Saving Accounts.

Additionally, call deposit accounts yield up to 0.50 percent per annum, while the specialized Business Plus Account for the SME segment under the Sweep Call Facility yields between 0.25 percent and 0.50 percent. The Money Maximizer facility for individuals is fixed at 0.50 percent.

FIXED DEPOSIT AND FOREIGN CURRENCY RETURNS

The bank has structured explicit maturity timelines for individual, institutional, and foreign currency fixed deposit products with competitive interest allocations:

• For individual normal fixed deposits, a tenure of 6 months to 5 years offers 2.75 percent.
• Individual normal tenures above 5 years provide a maximum return of 3.85 percent.
• Customers opening a Remittance Fixed Deposit will receive higher incentivized returns, with 3.75 percent for 6 months to 5 years and 4.85 percent for tenures above 5 years.
• For non-individual institutional depositors, the interest rate is set flat at 2.75 percent for tenures of 1 year and above.
• For foreign currency saving deposits, both US Dollar and Great Britain Pound accounts pay 0.25 percent per annum, while foreign currency fixed deposits up to 1 year for both USD and GBP are directly linked to international benchmark rates.

LOANS AND ADVANCES PRICING PLANS

Borrowing facilities are split into flexible floating options linked directly to the base rate and stable fixed interest rate models for various personal, business, and corporate portfolios:

• Working capital financing options like Cash Credit, Import Loans, and Import Invoice Financing carry a floating premium of Base Rate plus 2.00 percent to 3.00 percent. Short Term Loans and Export Loans offer premium brackets of Base Rate plus 2.00 percent to 2.50 percent and Base Rate plus 1.50 percent to 3.00 percent respectively.
• For general term loans, variable options carry a floating premium of Base Rate plus 2.00 percent to 3.50 percent, while fixed interest rate alternatives up to 5 years are locked at 7.00 percent, up to 7 years at 7.50 percent, and up to 10 years at 8.00 percent.
• Home loans offer a variable premium of Base Rate plus 2.00 percent to 3.50 percent, or fixed choices of 8.50 percent up to 10 years and 8.75 percent above 10 years. Personal loans carry a variable premium of Base Rate plus 4.00 percent to 4.50 percent, or a fixed rate of 9.25 percent up to 5 years.

STRATEGIC MARGIN MANAGEMENT AND SPECIAL MORTGAGE OFFERS

The latest financial disclosure from Standard Chartered Bank Nepal Limited establishes its base rate as of Jestha 2083 at 4.04 percent. The average base rate for the previous three months is recorded at 4.21 percent, while the net interest spread as of Jestha 2083 is maintained at 4.00 percent, reflecting structured alignment with the regulatory limits enforced by Nepal Rastra Bank.

A primary highlight of the bank’s updated credit strategy is its limited period promotional campaign for property buyers. The bank has declared a special limited period offer on mortgage loans at a fixed interest rate of 5.99 percent for the first 7 years, shifting to a floating premium of Base Rate plus 1.5 percent thereafter. This low-rate long-term package provides exceptional fiscal predictability for individual retail clients looking to secure properties in urban centers.

Furthermore, term loans for Specified Sector Lending are available at a lower variable premium of Base Rate plus 1.00 percent to 2.50 percent, or fixed structures of 6.50 percent up to 5 years, 7.00 percent up to 7 years, and 7.50 percent up to 10 years. Loans to multinational companies carry a premium of Base Rate plus 2.00 percent to 2.50 percent, while Deprived Sector Loans are extended at Base Rate plus up to 2.00 percent. While consortium lending interest rates will be guided by consortium decisions, loans against the bank’s own fixed deposits are offered at a low fixed rate of 4.00 percent, ensuring optimal operational fund management across its entire Nepalese network.

For More: Standard Chartered Announces Interest Rate Revision