कुमारी बैंकको २०८३ आषाढ १ देखि लागू हुने नयाँ ब्याजदरKumari Bank's New Interest Rates Effective from 01 Ashad 2083
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on June 14, 2026
Effective From 01 Ashad 2083 (15 June 2026)
LCY Saving Deposit
Hereko Herai Remit Bachat Khata 4.31
Kumari Remit IPO Saving Account 2.91
Kumari Remit Premium Saving Account 3.91
Chhori Bachat Khata 2.91
Kumari Silver Saving Khata 3.31
Green Savings Deposit Account 2.91
LCY Call Account Up to 1.375
Other Saving Products 2.75
LCY Individual Fixed Deposit
3 Months to below 1 Year 2.75 2.80
1 Year to below 2 Years 2.75 2.86
2 Years and above 3.61 3.91
Fixed Deposit Plus / Recurring (1 Year to 5 Years) 2.75 2.86
LCY Institutional Fixed Deposit
6 Months to below 4 Years 2.75
4 Years and above 3.01
FCY Deposit
USD 1.105 2.21 3.26
EUR 0.750 1.50 2.00
GBP 1.000 2.00 2.50
AUD 1.250 2.50 3.00
CAD 1.000 2.00 2.50
JPY 0.125 0.25 0.50
CNY 1.000 2.00 3.00
Other FCY Currencies / NRN FCY Fixed Deposit Available on Request
Floating Interest Rate on Loan
Corporate Up to 2.00
Agriculture Loan Up to 2.00
MSME / SME (Productive as per NRB) Up to 2.00
| MSME / SME (Others) - FWCL | 1.00 | 3.00 |
| MSME / SME (Others) - PWCL / FTL | 1.50 | 3.50 |
| Education Loan | 2.50 | 4.00 |
Deprived Sector Up to 2.00
| Home Loan | 1.00 | 3.00 |
| Personal Term Loan | 1.50 | 3.50 |
| Personal Overdraft Loan | 3.00 | 4.00 |
| Auto Loan (Private) | 1.50 | 3.50 |
| Hire Purchase (Commercial) | 3.00 | 4.00 |
| Real Estate | 2.00 | 4.00 |
| Margin Lending | 2.25 | 4.00 |
| Corporate - Others | 1.00 | 2.75 |
Loan Against First Class Bank Guarantees Up to 2.00
Loan Against Fixed Deposit** (Coupon Rate +2.00) or (RABR+0.25) whichever is higher
Loan Against Government Securities (Coupon Rate +2.00) or (RABR+0.25) whichever is higher
| Other Loan | 3.00 | 4.00 |
| Professional Loan | 3.00 | 4.00 |
FCY Denominated Loans Available on Request
FCY TR Loan Available on Request
Fixed interest Rate on Loan
For Home Loan up to 7 Years 6.99%
For Auto Loan up to 5 Years 7.49%
For Other Individual Mortgage Loans (Term Loan) up to 7 Years 7.99%
For SME/MSME up to 7 Years 7.49%
Base rate of Baisakh 2083 5.27%
Interest Spread Baisakh 2083 3.12%
नोटहरु:
- विभिन्न बचत निक्षेप, मुद्दती निक्षेप र मुद्दती निक्षेप रसिद धितो कर्जाको लागि नियम र शर्तहरु यस बैंकको प्रचलित नियमानुसार हुनेछन् ।
- सहवित्तीयकरण कर्जा सुविधामा ब्याजदर सहवित्तीयकरण बैंकको निर्णय अनुसार लागु हुनेछ ।
- कुनै पनि नियमन गरिएको ऋणको हकमा, प्रिमियमदरहरु नेपाल राष्ट्र बैंकले जारी गरेको परिपत्र अनुसार लागु हुनेछन् ।
- रेमिट मुद्दती निक्षेपको लागि बैंकले प्रकाशित ब्याजदर माथि थप १% प्रदान गर्न सक्नेछ । उक्त खाता खोल्नको लागि अनिवार्य रुपमा रेमिटेन्स प्राप्त भएको प्रमाण पेश गर्नु पर्नेछ ।
- यदि ग्राहकले रिकरिङ्ग मुद्दती खातामा नियमित जम्मा गर्नुपर्ने किस्ता रकम जम्मा नगरेमा, उक्त रिकरिङ्ग मुद्दती खाता (Recurring Fixed Deposit) खारेज गरी बचत खातामा रकम स्थानान्तरण गरी बचत खाताको ब्याज प्रदान गरिनेछ ।
- विदेशी मुद्रा (FCY) निक्षेपको ब्याज दर बिडिङ्ग गर्दा सम्बन्धित मुद्राको निर्धारित बेन्चमार्क अनुसार ब्याजदर फरक पर्न सक्नेछ ।
- चल्ती खाताबाट कल खातामा रकम स्थानान्तरण रु. १,००,००० का गुणकमा मात्र हुनेछ ।
* प्राकृतिक व्यक्तिको लागि ३ महिना वा सोभन्दा माथि तथा संस्थाको लागि ६ महिना वा सोभन्दा माथि ।
**कुमारी स्मार्ट (मोबाइल बैंकिङ्ग) मार्फत आवेदन गर्दा ०.२५% छुट प्रदान गरिनेछ ।
Effective From 01 Ashad 2083 (15 June 2026)
LCY Saving Deposit
Hereko Herai Remit Bachat Khata 4.31
Kumari Remit IPO Saving Account 2.91
Kumari Remit Premium Saving Account 3.91
Chhori Bachat Khata 2.91
Kumari Silver Saving Khata 3.31
Green Savings Deposit Account 2.91
LCY Call Account Up to 1.375
Other Saving Products 2.75
LCY Individual Fixed Deposit
3 Months to below 1 Year 2.75 2.80
1 Year to below 2 Years 2.75 2.86
2 Years and above 3.61 3.91
Fixed Deposit Plus / Recurring (1 Year to 5 Years) 2.75 2.86
LCY Institutional Fixed Deposit
6 Months to below 4 Years 2.75
4 Years and above 3.01
FCY Deposit
USD 1.105 2.21 3.26
EUR 0.750 1.50 2.00
GBP 1.000 2.00 2.50
AUD 1.250 2.50 3.00
CAD 1.000 2.00 2.50
JPY 0.125 0.25 0.50
CNY 1.000 2.00 3.00
Other FCY Currencies / NRN FCY Fixed Deposit Available on Request
Floating Interest Rate on Loan
Corporate Up to 2.00
Agriculture Loan Up to 2.00
MSME / SME (Productive as per NRB) Up to 2.00
| MSME / SME (Others) - FWCL | 1.00 | 3.00 |
| MSME / SME (Others) - PWCL / FTL | 1.50 | 3.50 |
| Education Loan | 2.50 | 4.00 |
Deprived Sector Up to 2.00
| Home Loan | 1.00 | 3.00 |
| Personal Term Loan | 1.50 | 3.50 |
| Personal Overdraft Loan | 3.00 | 4.00 |
| Auto Loan (Private) | 1.50 | 3.50 |
| Hire Purchase (Commercial) | 3.00 | 4.00 |
| Real Estate | 2.00 | 4.00 |
| Margin Lending | 2.25 | 4.00 |
| Corporate - Others | 1.00 | 2.75 |
Loan Against First Class Bank Guarantees Up to 2.00
Loan Against Fixed Deposit** (Coupon Rate +2.00) or (RABR+0.25) whichever is higher
Loan Against Government Securities (Coupon Rate +2.00) or (RABR+0.25) whichever is higher
| Other Loan | 3.00 | 4.00 |
| Professional Loan | 3.00 | 4.00 |
FCY Denominated Loans Available on Request
FCY TR Loan Available on Request
Fixed interest Rate on Loan
For Home Loan up to 7 Years 6.99%
For Auto Loan up to 5 Years 7.49%
For Other Individual Mortgage Loans (Term Loan) up to 7 Years 7.99%
For SME/MSME up to 7 Years 7.49%
Base rate of Baisakh 2083 5.27%
Interest Spread Baisakh 2083 3.12%
Notes:
1. The rules and conditions for various savings deposits, fixed deposits, and loans against fixed deposit receipts will be as per the prevailing regulations of this bank.
2. The interest rate for co-financing loan facilities will be applied as per the decision of the co-financing bank.
3. In the case of any regulated loan, premium rates will be applicable as per the circular issued by Nepal Rastra Bank.
4. For Remit Fixed Deposits, the bank may offer an additional 1% above the published interest rate. To open such an account, proof of remittance received must be submitted.
5. If the customer fails to deposit the regular installment amount in the Recurring Fixed Deposit account, the said Recurring Fixed Deposit account (Recurring Fixed Deposit) will be closed, the amount transferred to a savings account, and interest will be provided as per the savings account rate.
6. When bidding for foreign currency (FCY) deposits, the interest rate may vary according to the benchmark set for the respective currency.
7. Fund transfers from current accounts to call accounts will only be in multiples of Rs. 1,00,000.
* For natural persons, 3 months or more, and for institutions, 6 months or more.
** 0.25% discount will be provided when applying through Kumari Smart (Mobile Banking).