Interest Rates

Effective from 2082-11-01 (13th February 2026)

Fixed Deposits

ParticularsIndividualIndividual (Remit)Institutional
3 Months3.50%4.50%–
6 Months3.75%4.75%–
9 Months4.00%5.00%3.00%
12 Months to Below 24 Months4.15%5.15%3.25%
2 years to 5 years4.25%5.25%3.35%
Above 5 years4.35%5.35%–

Savings Deposits

Saving Deposits Minimum Balance Rs. Interest Rate
Bal Bachat 100.002.75%
Regular Savings 100.002.75%
Payroll Savings 0.002.75%
Couple Saving 200.002.75%
Welfare Saving 0.002.75%
Student Savings 200.002.75%
Non-Profitable org. Saving 1000.002.75%
Shareholder Savings 200.002.75%
Staff Savings 200.002.75%
Nari Bachat 250.002.75%
Jestha Nagarik 250.002.75%
Gurkhas Pension Saving 5000.002.85%
Special Saving 5000.002.85%
Remittance Saving 200.003.75%
Corporate Flexible Savings 1000.00Up to 1.38%

Loans and Advances

Loans and AdvancesInterest Rate %
Home LoanBR + Up to 7%
Personal Loan(OD/Term)BR + Up to 7%
Share LoanBR + Up to 7%
Gold LoanBR + Up to 7%
Business/Working Capital LoanBR + Up to 7%
Agriculture/SME/Education LoanBR + Up to 7%
Small Farm Individual LoanBR + Up to 7%
Hire PurchaseBR + Up to 7%
Real Estate LoanBR + Up to 7%
Professional Loan/Bridge Gap LoanBR + Up to 7%
Loan Against FDCoupon rate + Up to 2 % or BR whichever is higher
Consortium LoanAs per Consortium Decision
Deprive Sector LendingInterest Rate %
Indirect Lending (Wholesale or Institutional)Base Rate + Up to 2%
Direct lending (All types)Base Rate + Up to 7%
Base Rate of Previous MonthInterest Rate %
Base Rate of Poush end, 20827.53%
Spread Rate (2082 Poush)4.57%
Fixed Interest Rate Loan (for individual)Upto 5 Years5 to 10 YearsAbove 10 Years
Home Loan12.00%12.50%13.00%
Auto Loan/HP Loan12.00%12.50%–
Other Retail Loan12.00%12.50%13.00%