कुमारी बैंकको २०८३ श्रावण १ देखि लागू हुने नयाँ ब्याजदरKumari Bank's New Interest Rates Effective from 01 Shrawan 2083
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on July 16, 2026
Effective From 01 Shrawan 2083 (17 July 2026)
INTEREST RATES
LCY Saving Deposit
% Per Annum
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 0.81
Other Saving Products 2.75
LCY Individual Fixed Deposit
% Per Annum (In person) % Per Annum through Kumari Smart (Mobile App)
| 3 Months to below | 1 | 2.75 | 2.80 |
| 1 Year to below | 2 | 2.75 | 2.83 |
| 2 Years and above | 3.55 | 3.85 |
Fixed Deposit Plus / Recurring (1 Year to 5 Years) 2.75 2.83
LCY Institutional Fixed Deposit
% Per Annum
6 Months to below 4 Years 2.75
4 Years and above 3.01
FCY Deposit
Call Deposit (% p.a) Saving Deposit (% p.a) Fixed Deposit (% p.a)*
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
Premium (% per annum) on Base Rate
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) or (RABR+1) whichever is higher
Loan Against Government Securities (Coupon Rate) or (RABR+1) 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
Types of Loan Rate Fixed Interest Rate Per Annum
For Home Loan up to 7 Years 6.49%
For Auto Loan up to 5 Years 6.99%
For Other Individual Mortgage Loans (Term Loan) up to 7 Years 7.49%
For SME/MSME up to 7 Years 6.99%
Margin Lending - 6.99%
Base rate of Jestha 2083 5.18%
Interest Spread Jestha 2083 3.09%
नोटहरूः
- विभिन्न बचत निक्षेप, मुद्दती निक्षेप र मुद्दती निक्षेप रसिद धितो कर्जाको लागि नियम र शर्तहरू यस बैंकको प्रचलित नियमानुसार हुनेछन् ।
- सहवित्तीयकरण कर्जा सुविधामा ब्याजदर सहवित्तीयकरण बैठकको निर्णय अनुसार हुनेछ ।
- कुनै पनि नियमन गरिएका ऋणको हकमा, प्रिमियमदरहरू नेपाल राष्ट्र बैंकले जारी गरेको परिपत्र अनुसार लागू 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 खाताको ब्याजदर अनुसार ब्याज प्रदान गरिनेछ ।
- विदेशी मुद्रा (FCY) निक्षेपको ब्याज दर बिडिङ्ग गर्दा सम्बन्धित मुद्राको निर्धारित बेन्चमार्क अनुसार ब्याजदर फरक पर्न सक्नेछ ।
- स्वदेशी मुद्राको कल खाताको ब्याजदर बिडिङ्ग गर्दा नेपाल राष्ट्र बैंकको सम्बन्धित परिपत्र अनुसार हुन सक्नेछ ।
- चल्ती खाताबाट कल खातामा रकम स्थानान्तरण रु. १००,००० का गुणकमा मात्र हुनेछ ।
* प्राकृतिक व्यक्तिको लागि ३ महिना वा सोभन्दा माथि तथा संस्थाको लागि ६ महिना वा सोभन्दा माथि ।
** कुमारी स्मार्ट (मोबाईल बैंकिङ्ग) मार्फत आवेदन गर्दा ०.२५ छुट प्रदान गरिनेछ ।
Effective From 01 Shrawan 2083 (17 July 2026)
INTEREST RATES
LCY Saving Deposit
% Per Annum
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 0.81
Other Saving Products 2.75
LCY Individual Fixed Deposit
% Per Annum (In person) % Per Annum through Kumari Smart (Mobile App)
| 3 Months to below | 1 | 2.75 | 2.80 |
| 1 Year to below | 2 | 2.75 | 2.83 |
| 2 Years and above | 3.55 | 3.85 |
Fixed Deposit Plus / Recurring (1 Year to 5 Years) 2.75 2.83
LCY Institutional Fixed Deposit
% Per Annum
6 Months to below 4 Years 2.75
4 Years and above 3.01
FCY Deposit
Call Deposit (% p.a) Saving Deposit (% p.a) Fixed Deposit (% p.a)*
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
Premium (% per annum) on Base Rate
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) or (RABR+1) whichever is higher
Loan Against Government Securities (Coupon Rate) or (RABR+1) 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
Types of Loan Rate Fixed Interest Rate Per Annum
For Home Loan up to 7 Years 6.49%
For Auto Loan up to 5 Years 6.99%
For Other Individual Mortgage Loans (Term Loan) up to 7 Years 7.49%
For SME/MSME up to 7 Years 6.99%
Margin Lending - 6.99%
Base rate of Jestha 2083 5.18%
Interest Spread Jestha 2083 3.09%
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 as per the decision of the co-financing meeting.
3. For any regulated loan, premium rates will be applicable as per the circular issued by Nepal Rastra Bank.
4. The bank may offer an additional 1% above the published interest rate for Remit Fixed Deposits. To open such an account, proof of remittance received must be submitted.
5. If a customer fails to deposit the regular installment amount in a Recurring Fixed Deposit account, the Recurring Fixed Deposit will be cancelled and interest will be provided as per the savings account interest rate.
6. When bidding for foreign currency (FCY) deposit interest rates, the interest rate may vary according to the prescribed benchmark of the respective currency.
7. When bidding for domestic currency call account interest rates, it may be as per the relevant circular of Nepal Rastra Bank.
8. Fund transfer from current account to call account will only be in multiples of Rs. 100,000.
* 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).