Standard Chartered Bank Nepal Interest Rates Updated for 2026

13th April 2026, Kathmandu

Standard Chartered Bank Nepal Limited has officially updated its deposit and lending interest rates effective from April 14, 2026.

Standard Chartered Bank Interest

The revised structure reflects current market trends and aims to provide competitive returns for depositors while maintaining flexible lending options for individuals and businesses across the country.

This latest update on Standard Chartered Bank Interest Rates includes revised rates for savings accounts, fixed deposits, call deposits, and a broad range of loan products. As a leading international bank in Nepal, these changes are designed to align with both local regulatory requirements and global financial standards as of Baisakh 2083.

Savings Deposit Interest Rates

Standard Chartered Bank offers a range of savings accounts with a uniform interest rate of 2.75 percent per annum for most categories. These accounts are tailored to various lifestyles and professional needs, ensuring accessibility and ease of use.

Key Savings Accounts at 2.75%:

• Normal Saving and Access Plus Saving Accounts
• Women Savings and Senior Citizen Accounts
• Payroll Plus and Shareholder Accounts
• Special Saving Accounts

Special Remittance Rates:

For those sending money from abroad, the Remittance Saving Account offers a higher rate of 3.75 percent. Minimum balance requirements for these accounts vary significantly depending on the product type, ranging from NPR 1,000 to NPR 300,000.

Fixed Deposit (FD) Interest Rates

The bank provides a structured return system for long term capital growth, with specific incentives for the remittance sector to encourage formal inflow of foreign currency.

Individual Fixed Deposits:

• 3 months to 5 years: 2.75 percent
• Above 5 years: 4.10 percent

Remittance Fixed Deposits:

• 3 months to 5 years: 3.75 percent
• Above 5 years: 5.10 percent

Non-individual or institutional fixed deposits for one year and above are set at a rate of 2.75 percent. These FD schemes provide stable returns, with the highest yields reserved for long term remittance commitments.

Call Deposit and Special Deposit Accounts

For customers and businesses seeking high liquidity with moderate returns, the bank offers several specialized accounts:

• Call Deposit: Up to 1.00 percent per annum.
• Business Plus Account (SME): 0.25 percent to 1.00 percent.
• Money Maximizer Account: Around 1.00 percent.

Foreign Currency Deposit Rates

Standard Chartered Bank provides robust foreign currency deposit options, ensuring that NRNs and international businesses can manage their funds effectively.

• USD and GBP Savings: Around 0.25 percent.
• FCY Fixed Deposits: Linked directly to international benchmark rates.

These rates are closely aligned with global financial markets and fluctuate based on the specific currency and the duration of the deposit.

Loan and Lending Interest Rates

The bank utilizes a transparent Base Rate plus Premium model for its lending portfolio. This ensures flexibility for the borrower while accounting for the risk profile and category of the loan.

Business and SME Loans:

• Working Capital (Cash Credit): Base Rate + 2.00 percent to 3.50 percent.
• Short-Term and Import Financing: Base Rate + 2.00 percent to 3.50 percent.
• Secured Small Business Loans: Base Rate + 1.00 percent to 3.50 percent.

Term Loans:

• Variable Rate: Base Rate + 2.00 percent to 4.00 percent.
• Fixed Rate (up to 5 years): Around 7.50 percent.
• Fixed Rate (7 to 10 years): 8.00 percent to 8.50 percent.

Home Loan and Personal Loan Rates

Standard Chartered is offering some of the most competitive retail rates in the market for April 2026, particularly for home buyers.

Home Loan Options:

• Special Limited Offer: 6.99 percent fixed for the first 7 years.
• Fixed Rate (up to 5 years): Around 8.25 percent.
• Fixed Rate (5 to 10 years): 9.00 percent to 9.25 percent.

Personal Loans:

• Fixed Rate (up to 5 years): Around 9.75 percent.
• Variable Rate: Base Rate + 4.50 percent to 5.00 percent.

Special Loan Features and Benefits

The updated interest rate structure includes features for quick liquidity and specialized financing:

• Loan against own FD: Coupon Rate + 2 percent or Base Rate + 2 percent (whichever is higher).
• Loan against FCY deposits: Base Rate + 2.00 percent.
• USD-denominated loans: Base Rate + 2.00 percent to 4.00 percent.
• Guarantees and Bonds: Loans available at Base Rate + 2.00 percent to 3.00 percent.

Key Highlights of the Updated Rates

The Standard Chartered Bank Interest Rates schedule for the new year highlights:

• Savings interest rates holding steady at 2.75 percent.
• Fixed deposit returns for remittance peaking at 5.10 percent.
• A modernized lending model based on Base Rate plus Premium.
• Market leading fixed home loan offers starting from 6.99 percent.
• Specialized structures for SME and corporate clients.

Conclusion

The updated Standard Chartered Bank Interest Rates for April 2026 reflect a balanced approach to deposit growth and lending expansion in the Nepalese market. With stable savings rates, attractive fixed deposit returns, and flexible loan offerings, the bank continues to be a top choice for both individual and business customers in 2083.

These revisions are expected to enhance customer confidence and support the broader financial growth of the country by aligning banking services with evolving economic conditions. Customers are encouraged to contact their relationship managers or visit a branch for customized loan and deposit solutions.

For More: Standard Chartered Bank Interest