नेपाल बैंक लिमिटेडको २०८३ आषाढ १ गतेदेखि लागू हुने निक्षेप ब्याजदरNepal Bank Limited: Deposit Interest Rates Effective From 1st Asadh 2083
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on June 14, 2026
नेपाल बैंक लिमिटेड
Rate of Interest
Effective From 1st Asadh 2083
Interest Rate on Deposits
S. N. Types of Deposit Rate (%) Per Annum* Minimum Balance NPR
1 Saving Deposit 2.75 500.00
1.1 Normal Saving 2.76 500.00
1.2 NBL Diamond Saving 2.76 0.00
1.3 Women Special Saving 2.76 0.00
1.4 Yuva Bachat Khata 2.76 0.00
1.5 Santati Saving 2.77 0.00
1.6 NBL Staff Pension Saving 4.00 0.00
1.7 Remittance Saving 4.00 0.00
1.8 NBL Remittance IPO Saving 2.76 0.00
1.9 Investor's Saving 2.76 500.00
1.10 Senior Citizens Special Saving 2.76 500.00
1.11 Professional's Saving 2.76 or Negotiable 0.00
1.12 Social Security Saving 2.77 0.00
1.13 Pension Payment Saving 2.77 1000.00
1.14 NBL Special Saving 2.77 0.00
1.15 Earthquake Relief Saving 2.77 0.00
1.16 TU Pension Saving 3.00 0.00
1.17 NBL Staff Salary Saving 3.00 0.00
1.18 Staff Salary Saving 2.77 10000.00
1.19 Nari Samman Bachat Khata 2.77 0.00
1.20 Sambandha Bachat Khata 2.77 1000.00
1.21 Nagarik Bachat Khata 2.77 0.00
1.22 Sambriddha Nepal Abhiyan Bachat Khata 2.77 1000.00
1.23 Green Saving Account 2.77 5000.00
1.24 Chhori (Beti) Kalyan Bachat Khata 2.77 0.00
1.25 Chhori Surakshya Bachat Khata Renamed as Chhora Chhori Surakshya Bachat Khata 2.77 0.00
1.26 Balbalika Bachat Khata 2.75 0.00
1.27 NBL Shubha Gyan Bachat Khata 2.75 500.00
1.28 NBL Sahayatri Bachat Khata 3.00 10000.00
1.29 NBL Pioneer Saving Deposit Account 3.00 0.00
1.30 NBL Ex- Staff Saving Account 3.00 0.00
2 Fixed Deposit
2.1 3 Months to above 5 Years (Individual) 6 months upto 5 Years (Institutional) - -
| 2.1.1 Individual Fixed Deposit | 3 | 1 | 2.76 | 25000.00 |
| 2.1.2 Individual Fixed Deposit Above | 1 | 2 | 3.00 | 25000.00 |
| 2.1.3 Individual Fixed Deposit Above | 2 | 5 | 3.30 | 25000.00 |
| 2.1.4 Individual Fixed Deposit (Above | 5 | 4.25 | 25000.00 | |
| 2.1.5 Institutional Fixed Deposit-6M to 1Y | 2.75 | 25000.00 | ||
| 2.1.6 Institutional FD-Above | 1 | 2.75 | 25000.00 | |
| 2.1.7 Institutional Fixed Deposit-Above 2Y | 3.00 | 25000.00 |
2.2 Remittance Fixed Deposit - -
5.1 Mortgage loan BR+ 2.50 to 4.50
5.2 Sajilo Byabasaya Karja BR+ 1.00 to 3.00
5.3 Sambriddha Byabasaya Karja
| 5.3.1 Sambriddha Byabasaya Term BR+ | 1.25 | 3.25 |
| 5.3.2 Sambriddha Byabasaya Working Capital BR+ | 0.50 | 2.50 |
5.4 Laghu Udhyam karja BR+ 0.75 to 2.75
5.5 Anniversary Business Loan* BR+ 1.00 to 3.00
5.6 85th Anniversary Business Loan BR+ 0.50 to 2.50
6 Deprived Sector loan
6.1 Individual BR+ Upto 2.00
6.2 Institutional (Wholesale)- Revolving BR+ Upto 2.00
6.3 Institutional (Wholesale)- Term loan BR+ Upto 2.00
6.4 Institutional (Retail)- Revolving BR+ Upto 2.00
6.5 Institutional (Retail) -Term Loan BR+ Upto 2.00
7 Agriculture Loan
7.1 Subsidized BR+ Upto 2.00
7.2 Non Subsidized BR+ Upto 2.00
7.3 NBL Saral Krishi Karja Working Capital BR+ 0.50
7.4 NBL Saral Krishi Karja Term Loan BR+ 0.50
8 Other Loans
8.1 Gold and Silver loan BR+ 2.50-4.00
8.2 Loan against first class bank guarantee BR+ 2.00 to 3.00
8.3 Loan against FD receipt Coupon Rate + 2.00
8.4 Loan against Government Securities Coupon Rate + 1.00 or 1 year fixed deposit, whichever is higher
8.5 Sahuliyatpurna Karja BR+ Upto 2.00
8.6 Entrepreneurship Term Loan-Lumbini As per MOU
8.7 NBL Com. Agri. & Livestock TL- Karnali BR+ Upto 2.00
8.8 NBL Com. Agri. & Livestock WC- Karnali BR+ Upto 2.00
8.9 NBL Byebasaye Ji. Rakchya TL- Gandaki BR+ 1.00 to 3.00
8.1 NBL Koshi Province Krishi Karja(WC&TL) BR+ 1.00
9 Retail loans
9.1 Auto Loan
| 9.1.1 Private Vehicle | 5 | 0.50 | 2.50 |
| 9.1.2 Private Vehicle | 7 | 0.75 | 2.50 |
| 9.1.3 Private vehicle business use | 5 | 0.75 | 2.50 |
| 9.1.4 Commercial vehicle 3-5 years term BR+ | 1.50 | 2.50 | |
| 9.1.5 Auto loan (Nepalaxmi)* BR+ | 3.00 | 3.50 | |
| 9.1.6 Professional Auto Loan BR+ | 0.50 | 2.50 | |
| 9.1.7 Auto Loan (Electrical Vehicle) BR+ | 1.00 | 2.50 |
9.2 Home Loan
9.2.1 5 years term BR+ 2.42
9.2.2 10 years term BR+ 2.42
9.2.3 Above 10 years term BR+ 2.42
9.2.4 Professional Home Loan BR+ 2.42
9.2.5 Nepalaxmi Home Loan BR+ 2.42
9.3 Shulav Aawas Karja
9.3.1 10 years term BR+ 1.99
9.3.2 Above 10 years term BR+ 1.99
9.4 NBL Sarbasulav Awash karja
9.4.1 Up to 5 years BR+ 0.50
| 2.2.1 Remittance Fixed Deposit | 3 | 1 | 3.76 | 5000.00 |
| 2.2.2 Remittance Fixed Deposit Above | 1 | 2 | 4.00 | 5000.00 |
| 2.2.3 Remittance Fixed Deposit Above | 2 | 5 | 4.30 | 5000.00 |
| 2.2.4 Remittance Fixed Deposit (Above | 5 | 5.25 | 5000.00 |
3 Recurring Deposit 2.76 1000.00
4 Samridhha Nari Recurring Deposit 2.76 25000.00
5 Employee Welfare Account 2.77 -
6 Akchhaya Kosh 2.75 or Negotiable 25000
7 NBL Trust Fund 2.75 0.00
8 Normal Call Deposit 0.40 1000000.000
9 FCY Saving Deposit
9.1 USD 2.75 USD100
9.2 EURO 1.00 EURO100
9.3 GBP 1.50 GBP100
9.4 JPY 0.50 JPY 100
10 NRN Saving Deposit
10.1 USD 2.75 USD 1,000
10.3 GBP 1.50 GBP 900
10.3 AUD 2.00 AUD 1600
11 FCY Fixed Deposit (upto 5 Years)
11.1 USD 3.25 USD500
12 NRN Fixed Deposit (upto 5 Years)
12.1 USD 3.25 USD 1,000
12.2 GBP 3.25 GBP 900
12.3 AUD 3.25 AUD 1600
13 FCY Call Deposit
13.1 USD 1.25 USD100
*Payable quarterly
Interest Rate on Loans and Advances
S.N. Types of Loans and Advances Rate (%) per annum
1 Export Finance -
1.1 Pre/Post shipment (NPR) BR+ Upto 2.00
1.2 Pre/Post shipment (USD) SOFR+ Upto 1.75
1.3 Loan Against Bills Collection BR+ Upto 2.00
2 Import Finance -
2.1 Trust Receipt (NPR) BR+ Upto 2.00
2.2 Trust Receipt (NPR)- For Trading BR+ Upto 1.75
2.3 Trust Receipt (USD) SOFR+Upto 2.00
3 Business Term Loans -
3.1 Industrial BR+ 0.75 to 2.75
3.2 Commercial - For Trading BR+ 1.00 to 2.75
3.3 Real Estate-Housing Plan BR+ 1.75 to 2.75
3.4 Real Estate-Comercial Complex BR+ 1.75 to 2.75
3.5 Hire Purchase loan BR+ 1.00 to 3.00
4 Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/RWC/Contract Loan) -
4.1 Industrial Working Capital BR+ 0.25 to 2.25
4.2 Commercial Working Capital - For Trading BR+ 0.50 to 2.25
4.3 NBL Permanent WC BR+ 0.25 to 2.25
5 Special SME Loans -
| 9.4.2 Above | 5 | 10 | 1.00 |
| 9.4.3 Above | 10 | 15 | 1.50 |
| 9.4.4 Above | 15 | 25 | 2.00 |
9.5 Personal Term Loan
| 9.5.1 Upto | 10 | 2.50 | 3.50 |
| 9.5.2 Above | 10 | 3.50 | 4.00 |
9.6 Personal Overdraft
| 9.6.1 POD-Professional BR+ | 2.00 | 3.50 |
| 9.6.2 POD-Others BR+ | 2.00 | 3.50 |
9.7 NBL Professional Loan
| 9.7.1 Overdraft BR+ | 2.00 | 3.50 |
| 9.7.2 Term Loan BR+ | 2.50 | 3.50 |
9.8 Education Loan
| 9.8.1 | 5 | 2.00 | 3.00 |
| 9.8.2 | 10 | 2.50 | 3.50 |
9.9 Margin Lending BR+ 1.50 to 3.50
9.10 NBL Flexi Loan
| 9.10.1 Flexi Term Loan BR+ | 2.50 | 3.50 |
| 9.10.2 Flexi Overdraft BR+ | 3.00 | 3.50 |
9.11 Sewagrahi Karja BR+ 2.50 to 4.50
9.12 Ghaderi Karja BR+ 1.75 to 3.75
9.13 NBL Pensioner Loan BR+ 3.00 to 4.00
Retail Term Loans (Fixed Rate)
S. N. Tenure 5 Years 7 years 10 Years
1 Home Loan/Nepalaxmi/Professional Home Loan/Shulav Aawas karja 9.90 - 9.99
2 Auto Loan/Nepalaxmi Auto Loan/Professional Auto Loan 9.90 9.95 -
3 Electrical Vehicle 5 years 9.90 - -
4 Personal Term Loan 9.99 - 9.99
5 NBL Professional Term Loan 9.99 - 9.99
6 NBL Flexi Loan 9.99 - 9.99
7 Education Loan 9.90 - -
8 Sewagrahai Karja 9.99 - -
9 Ghaderi Karja 9.99 - 9.99
Business Term Loans (Fixed Rate)
S.N. Tenure Rate (%) per annum
1 Upto 10 Years Upto 9.99
Average Base Rate (BR) of last three consecutive months Ending Baisakh 2083 : 4.67%
Spread Rate as of Baisakh end 2083 : 3.67%
1) Floating Lending rates shall be adjusted as per the change in average Base rate last three consecutive months.
2) Rate on Consortium financing shall be as decided by consortium meetings.
3) Additional penal interest + 2% p.a. shall be applied on overdue amount/expired loan (In compliance with NRB Directive).
4) Risk premium upto+ 2% p.a. additional can be charged for watch-list clients.
5) Interest rate on similar nature loan product shall be in line with NRB Directive No. 15/081 point No 3(7).
6) Premium rate on each borrower shall be determined subject to loan type/category, tenure of each loan, Internal credit risk Risk Grading.
7) *Auto loan (Nepalaxmi) Loan have been suspended.
8) *New Account opening of NBL Diamond & Pioneer Saving Deposit Account has been suspended till further notice.
Nepal Bank Limited
Rate of Interest
Effective From 1st Asadh 2083
Interest Rate on Deposits
S. N. Types of Deposit Rate (%) Per Annum* Minimum Balance NPR
1 Saving Deposit 2.75 500.00
1.1 Normal Saving 2.76 500.00
1.2 NBL Diamond Saving 2.76 0.00
1.3 Women Special Saving 2.76 0.00
1.4 Yuva Savings Account 2.76 0.00
1.5 Santati Saving 2.77 0.00
1.6 NBL Staff Pension Saving 4.00 0.00
1.7 Remittance Saving 4.00 0.00
1.8 NBL Remittance IPO Saving 2.76 0.00
1.9 Investor's Saving 2.76 500.00
1.10 Senior Citizens Special Saving 2.76 500.00
1.11 Professional's Saving 2.76 or Negotiable 0.00
1.12 Social Security Saving 2.77 0.00
1.13 Pension Payment Saving 2.77 1000.00
1.14 NBL Special Saving 2.77 0.00
1.15 Earthquake Relief Saving 2.77 0.00
1.16 TU Pension Saving 3.00 0.00
1.17 NBL Staff Salary Saving 3.00 0.00
1.18 Staff Salary Saving 2.77 10000.00
1.19 Nari Samman Savings Account 2.77 0.00
1.20 Sambandha Savings Account 2.77 1000.00
1.21 Nagarik Savings Account 2.77 0.00
1.22 Sambriddha Nepal Abhiyan Savings Account 2.77 1000.00
1.23 Green Saving Account 2.77 5000.00
1.24 Chhori (Beti) Kalyan Savings Account 2.77 0.00
1.25 Chhori Surakshya Savings Account Renamed as Chhora Chhori Surakshya Savings Account 2.77 0.00
1.26 Balbalika Savings Account 2.75 0.00
1.27 NBL Shubha Gyan Savings Account 2.75 500.00
1.28 NBL Sahayatri Savings Account 3.00 10000.00
1.29 NBL Pioneer Saving Deposit Account 3.00 0.00
1.30 NBL Ex- Staff Saving Account 3.00 0.00
2 Fixed Deposit
2.1 3 Months to above 5 Years (Individual) 6 months upto 5 Years (Institutional) - -
| 2.1.1 Individual Fixed Deposit | 3 | 1 | 2.76 | 25000.00 |
| 2.1.2 Individual Fixed Deposit Above | 1 | 2 | 3.00 | 25000.00 |
| 2.1.3 Individual Fixed Deposit Above | 2 | 5 | 3.30 | 25000.00 |
| 2.1.4 Individual Fixed Deposit (Above | 5 | 4.25 | 25000.00 | |
| 2.1.5 Institutional Fixed Deposit-6M to 1Y | 2.75 | 25000.00 | ||
| 2.1.6 Institutional FD-Above | 1 | 2.75 | 25000.00 | |
| 2.1.7 Institutional Fixed Deposit-Above 2Y | 3.00 | 25000.00 |
2.2 Remittance Fixed Deposit - -
5.1 Mortgage loan BR+ 2.50 to 4.50
5.2 Easy Business Loan BR+ 1.00 to 3.00
5.3 Sambriddha Business Loan
| 5.3.1 Sambriddha Business Term BR+ | 1.25 | 3.25 |
| 5.3.2 Sambriddha Business Working Capital BR+ | 0.50 | 2.50 |
5.4 Small Enterprise Loan BR+ 0.75 to 2.75
5.5 Anniversary Business Loan* BR+ 1.00 to 3.00
5.6 85th Anniversary Business Loan BR+ 0.50 to 2.50
6 Deprived Sector loan
6.1 Individual BR+ Upto 2.00
6.2 Institutional (Wholesale)- Revolving BR+ Upto 2.00
6.3 Institutional (Wholesale)- Term loan BR+ Upto 2.00
6.4 Institutional (Retail)- Revolving BR+ Upto 2.00
6.5 Institutional (Retail) -Term Loan BR+ Upto 2.00
7 Agriculture Loan
7.1 Subsidized BR+ Upto 2.00
7.2 Non Subsidized BR+ Upto 2.00
7.3 NBL Simple Agriculture Loan Working Capital BR+ 0.50
7.4 NBL Simple Agriculture Loan Term Loan BR+ 0.50
8 Other Loans
8.1 Gold and Silver loan BR+ 2.50-4.00
8.2 Loan against first class bank guarantee BR+ 2.00 to 3.00
8.3 Loan against FD receipt Coupon Rate + 2.00
8.4 Loan against Government Securities Coupon Rate + 1.00 or 1 year fixed deposit, whichever is higher
8.5 Concessional Loan BR+ Upto 2.00
8.6 Entrepreneurship Term Loan-Lumbini As per MOU
8.7 NBL Commercial Agriculture & Livestock TL- Karnali BR+ Upto 2.00
8.8 NBL Commercial Agriculture & Livestock WC- Karnali BR+ Upto 2.00
8.9 NBL Business Protection TL- Gandaki BR+ 1.00 to 3.00
8.1 NBL Koshi Province Agriculture Loan(WC&TL) BR+ 1.00
9 Retail loans
9.1 Auto Loan
| 9.1.1 Private Vehicle | 5 | 0.50 | 2.50 |
| 9.1.2 Private Vehicle | 7 | 0.75 | 2.50 |
| 9.1.3 Private vehicle business use | 5 | 0.75 | 2.50 |
| 9.1.4 Commercial vehicle 3-5 years term BR+ | 1.50 | 2.50 | |
| 9.1.5 Auto loan (Nepalaxmi)* BR+ | 3.00 | 3.50 | |
| 9.1.6 Professional Auto Loan BR+ | 0.50 | 2.50 | |
| 9.1.7 Auto Loan (Electrical Vehicle) BR+ | 1.00 | 2.50 |
9.2 Home Loan
9.2.1 5 years term BR+ 2.42
9.2.2 10 years term BR+ 2.42
9.2.3 Above 10 years term BR+ 2.42
9.2.4 Professional Home Loan BR+ 2.42
9.2.5 Nepalaxmi Home Loan BR+ 2.42
9.3 Affordable Housing Loan
9.3.1 10 years term BR+ 1.99
9.3.2 Above 10 years term BR+ 1.99
9.4 NBL Universal Affordable Housing Loan
9.4.1 Up to 5 years BR+ 0.50
| 2.2.1 Remittance Fixed Deposit | 3 | 1 | 3.76 | 5000.00 |
| 2.2.2 Remittance Fixed Deposit Above | 1 | 2 | 4.00 | 5000.00 |
| 2.2.3 Remittance Fixed Deposit Above | 2 | 5 | 4.30 | 5000.00 |
| 2.2.4 Remittance Fixed Deposit (Above | 5 | 5.25 | 5000.00 |
3 Recurring Deposit 2.76 1000.00
4 Samridhha Nari Recurring Deposit 2.76 25000.00
5 Employee Welfare Account 2.77 -
6 Akchhaya Kosh 2.75 or Negotiable 25000
7 NBL Trust Fund 2.75 0.00
8 Normal Call Deposit 0.40 1000000.000
9 FCY Saving Deposit
9.1 USD 2.75 USD100
9.2 EURO 1.00 EURO100
9.3 GBP 1.50 GBP100
9.4 JPY 0.50 JPY 100
10 NRN Saving Deposit
10.1 USD 2.75 USD 1,000
10.3 GBP 1.50 GBP 900
10.3 AUD 2.00 AUD 1600
11 FCY Fixed Deposit (upto 5 Years)
11.1 USD 3.25 USD500
12 NRN Fixed Deposit (upto 5 Years)
12.1 USD 3.25 USD 1,000
12.2 GBP 3.25 GBP 900
12.3 AUD 3.25 AUD 1600
13 FCY Call Deposit
13.1 USD 1.25 USD100
*Payable quarterly
Interest Rate on Loans and Advances
S.N. Types of Loans and Advances Rate (%) per annum
1 Export Finance -
1.1 Pre/Post shipment (NPR) BR+ Upto 2.00
1.2 Pre/Post shipment (USD) SOFR+ Upto 1.75
1.3 Loan Against Bills Collection BR+ Upto 2.00
2 Import Finance -
2.1 Trust Receipt (NPR) BR+ Upto 2.00
2.2 Trust Receipt (NPR)- For Trading BR+ Upto 1.75
2.3 Trust Receipt (USD) SOFR+Upto 2.00
3 Business Term Loans -
3.1 Industrial BR+ 0.75 to 2.75
3.2 Commercial - For Trading BR+ 1.00 to 2.75
3.3 Real Estate-Housing Plan BR+ 1.75 to 2.75
3.4 Real Estate-Comercial Complex BR+ 1.75 to 2.75
3.5 Hire Purchase loan BR+ 1.00 to 3.00
4 Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/RWC/Contract Loan) -
4.1 Industrial Working Capital BR+ 0.25 to 2.25
4.2 Commercial Working Capital - For Trading BR+ 0.50 to 2.25
4.3 NBL Permanent WC BR+ 0.25 to 2.25
5 Special SME Loans -
| 9.4.2 Above | 5 | 10 | 1.00 |
| 9.4.3 Above | 10 | 15 | 1.50 |
| 9.4.4 Above | 15 | 25 | 2.00 |
9.5 Personal Term Loan
| 9.5.1 Upto | 10 | 2.50 | 3.50 |
| 9.5.2 Above | 10 | 3.50 | 4.00 |
9.6 Personal Overdraft
| 9.6.1 POD-Professional BR+ | 2.00 | 3.50 |
| 9.6.2 POD-Others BR+ | 2.00 | 3.50 |
9.7 NBL Professional Loan
| 9.7.1 Overdraft BR+ | 2.00 | 3.50 |
| 9.7.2 Term Loan BR+ | 2.50 | 3.50 |
9.8 Education Loan
| 9.8.1 | 5 | 2.00 | 3.00 |
| 9.8.2 | 10 | 2.50 | 3.50 |
9.9 Margin Lending BR+ 1.50 to 3.50
9.10 NBL Flexi Loan
| 9.10.1 Flexi Term Loan BR+ | 2.50 | 3.50 |
| 9.10.2 Flexi Overdraft BR+ | 3.00 | 3.50 |
9.11 Sewagrahi Karja BR+ 2.50 to 4.50
9.12 Ghaderi Karja BR+ 1.75 to 3.75
9.13 NBL Pensioner Loan BR+ 3.00 to 4.00
Retail Term Loans (Fixed Rate)
S. N. Tenure 5 Years 7 years 10 Years
1 Home Loan/Nepalaxmi/Professional Home Loan/Shulav Aawas karja 9.90 - 9.99
2 Auto Loan/Nepalaxmi Auto Loan/Professional Auto Loan 9.90 9.95 -
3 Electrical Vehicle 5 years 9.90 - -
4 Personal Term Loan 9.99 - 9.99
5 NBL Professional Term Loan 9.99 - 9.99
6 NBL Flexi Loan 9.99 - 9.99
7 Education Loan 9.90 - -
8 Sewagrahai Karja 9.99 - -
9 Ghaderi Karja 9.99 - 9.99
Business Term Loans (Fixed Rate)
S.N. Tenure Rate (%) per annum
1 Upto 10 Years Upto 9.99
Average Base Rate (BR) of last three consecutive months Ending Baisakh 2083 : 4.67%
Spread Rate as of Baisakh end 2083 : 3.67%
1) Floating Lending rates shall be adjusted as per the change in average Base rate last three consecutive months.
2) Rate on Consortium financing shall be as decided by consortium meetings.
3) Additional penal interest + 2% p.a. shall be applied on overdue amount/expired loan (In compliance with NRB Directive).
4) Risk premium upto+ 2% p.a. additional can be charged for watch-list clients.
5) Interest rate on similar nature loan product shall be in line with NRB Directive No. 15/081 point No 3(7).
6) Premium rate on each borrower shall be determined subject to loan type/category, tenure of each loan, Internal credit risk Risk Grading.
7) *Auto loan (Nepalaxmi) Loan have been suspended.
8) *New Account opening of NBL Diamond & Pioneer Saving Deposit Account has been suspended till further notice.