National Co-operative Bank Limited Revises Interest Rates on Deposits and Loans — Effective from Ashoj 26, 2082

National Co-operative Bank Limited (NCBL) has announced a revision in its interest rates on both deposits and loans, effective from Ashoj 26, 2082 (October 12, 2025). The bank published a public notice stating that the updated rates will apply to all its member unions and cooperative institutions.

Revised Deposit Interest Rates:

• General Savings: 10.0%

• Special Savings: 10.0%

• Super Savings: 9.0% to 11.0% (depending on balance amount)

• NCBL Group Savings Account: 9.0% to 11.0%

• NCBL Premium Savings Account: 10.0%

• Mandatory Regulated Savings: 8.5%

• Staff Savings: 8.0% to 9.0% (depending on balance and tenure)

• Fixed Deposit: 9.0% to 10.0% (based on duration)

Revised Loan Interest Rates:

• Agriculture and Agro-Project Loan (Term/Working Capital): 9.50% (up to 5 years)

• Commercial Term Loan: 9.55% (up to 5 years)

• Commercial Working Capital Loan: 9.75% (up to 1 year)

• Infrastructure Development Loan: 9.75% (up to 5 years)

• Micro and Poverty Alleviation Loan: 9.55% (up to 5 years)

• Small & Medium Enterprise (SME) Loan: 9.75% (up to 5 years)

• Hire Purchase Loan: 9.95% (up to 5 years)

• Tourism Promotion Loan: 9.75% (up to 5 years)

• Liquidity Management Loan: 9.95% (up to 1 year)

• Women Empowerment Loan: 9.55% (up to 5 years)

• NCBL Co-operative Loan: 9.45% (up to 5 years)

• Ujjyalo Nepal Loan: 9.55% (up to 5 years)

• Diya/Sabal Co-operative Loan: 9.55% (up to 5 years)

• Member Relation Loan: 9.00% (up to 1 year)

• Fixed Deposit Loan: +2.0% over deposit rate