मुक्तिनाथ विकास बैंकको श्रावण १, २०८३ देखि लागू हुने ब्याजदर सूचनाMuktinath Bikas Bank: Interest Rates Effective from Shrawan 1, 2083
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on July 16, 2026
INTEREST RATES
Effective from १st Shrawan २०८३
I. Deposits
S.N. Saving Deposits Interest Rates (% p.a)
१ Muktinath Aashirwad Bachat (Gold) २.९५%
२ Muktinath Aashirwad Bachat (Platinum) २.९५%
३ All other Savings २.७५%
४ Muktinath Sambriddhi Remit IPO Bachat Khata ३.७५%
५ FCY Deposit ($, £, €, and AUD) Up to १.००%
S.N. Current & Call Deposits Interest Rates (% p.a)
१ Current Account -
२ Call Deposit Account Up to १.००%
S.N. Fixed Deposits Interest Rates (% p.a)
Individual Institutional Remittance
१ ३ Months २.७५% - ३.७५%
२ ६ Months २.७५% २.७५% ३.७५%
३ १ Year २.७५% २.७५% ३.७५%
४ २ Years ३.००% २.८०% ४.००%
५ ३ Years, ४ Years and ५ Years ३.७५% ३.००% -
६ Above ५ Years to १० Years ४.५९% ३.४०% -
७ Akshaya Kosh - Negotiable -
II. Loans
a. Floating Interest Rates
Products Minimum Rates (pa) Maximum Rates (pa)
I. Agri & Inclusive Products
Agriculture Loans ०.५०% २.००%
Micro Enterprise Loans २.००% ४.००%
Women Entrepreneur Loan १.५०% ३.५०%
Wholesale Loans- Microfinance - २.००%
Wholesale Loan- Co-operatives ०.५०% २.५०%
Other Deprived Sector २.००% ४.००%
II. Consumer Products
Home Loan ०.२५% २.२५%
Home Equity Loan ०.५०% २.५०%
Auto Loan - २.००%
Education Loan ०.५०% २.५०%
Personal Overdraft २.५०% ४.५०%
Personal Term २.००% ४.००%
Mortgage Loan २.००% ४.००%
Share Loan ०.५०% २.५०%
Professional Loan २.५०% ४.५०%
Gold Loan २.५०% ४.५०%
III. SME Products
Small Enterprise Loan १.००% ३.००%
Medium Enterprise Loans ०.५०% २.५०%
Hire-Purchase Loans १.००% ३.००%
Demand Loans ०.५०% २.५०%
Real Estate Loans १.००% ३.००%
IV. Corporate, Infra & Project Finance Products
Corporate/Project Loan - २.००%
Energy Loan - २.००%
Demand Loans ०.५०% २.५०%
Real Estate Loans ०.७५% २.७५%
b. Fixed Interest Rates
SN Tenure of the Products Interest Rate
Minimum Maximum
१ Up to ३ Years ११.२५% १२.००%
२ Above ३ Years to ७ Years १२.५०% १३.२५%
३ Above ७ to १० Years १३.५०% १४.००%
३ Months Average Base Rate of Jestha, २०८३ ५.६४%
Interest Spread for the month of Jestha, २०८३ ४.३०%
III. Additional Information
१. Interest in saving and call deposits are paid on quarterly basis while interest in FD can be paid monthly or quarterly.
२. Aashirwad Bachat products are applicable for existing customers only.
३. Interest rates on call accounts are negotiated and may vary subject to market conditions.
४. The remittance fixed deposit product is applicable to individuals only.
५. Fixed deposits can be opened for the specified published tenure only.
६. The interest rate applicable on forced loan shall be ७% on top of the base rate.
७. The interest rate in consortium loans shall be as decided by the consortium meetings.
८. Penal interest of plus २% per annum will be applied on overdue amount.
९. Interest rate on Deprived Sector and Subsidized Loan shall be in line with NRB Directive.
१०. Bank shall comply applicable NRB directives and circular while determining interest rate on loan products.
INTEREST RATES
Effective from 1st Shrawan 2083
I. Deposits
S.N. Saving Deposits Interest Rates (% p.a)
1 Muktinath Aashirwad Bachat (Gold) 2.95%
2 Muktinath Aashirwad Bachat (Platinum) 2.95%
3 All other Savings 2.75%
4 Muktinath Sambriddhi Remit IPO Bachat Khata 3.75%
5 FCY Deposit ($, £, €, and AUD) Up to 1.00%
S.N. Current & Call Deposits Interest Rates (% p.a)
1 Current Account -
2 Call Deposit Account Up to 1.00%
S.N. Fixed Deposits Interest Rates (% p.a)
Individual Institutional Remittance
1 3 Months 2.75% - 3.75%
2 6 Months 2.75% 2.75% 3.75%
3 1 Year 2.75% 2.75% 3.75%
4 2 Years 3.00% 2.80% 4.00%
5 3 Years, 4 Years and 5 Years 3.75% 3.00% -
6 Above 5 Years to 10 Years 4.59% 3.40% -
7 Akshaya Kosh - Negotiable -
II. Loans
a. Floating Interest Rates
Products Minimum Rates (pa) Maximum Rates (pa)
I. Agri & Inclusive Products
Agriculture Loans 0.50% 2.00%
Micro Enterprise Loans 2.00% 4.00%
Women Entrepreneur Loan 1.50% 3.50%
Wholesale Loans- Microfinance - 2.00%
Wholesale Loan- Co-operatives 0.50% 2.50%
Other Deprived Sector 2.00% 4.00%
II. Consumer Products
Home Loan 0.25% 2.25%
Home Equity Loan 0.50% 2.50%
Auto Loan - 2.00%
Education Loan 0.50% 2.50%
Personal Overdraft 2.50% 4.50%
Personal Term 2.00% 4.00%
Mortgage Loan 2.00% 4.00%
Share Loan 0.50% 2.50%
Professional Loan 2.50% 4.50%
Gold Loan 2.50% 4.50%
III. SME Products
Small Enterprise Loan 1.00% 3.00%
Medium Enterprise Loans 0.50% 2.50%
Hire-Purchase Loans 1.00% 3.00%
Demand Loans 0.50% 2.50%
Real Estate Loans 1.00% 3.00%
IV. Corporate, Infra & Project Finance Products
Corporate/Project Loan - 2.00%
Energy Loan - 2.00%
Demand Loans 0.50% 2.50%
Real Estate Loans 0.75% 2.75%
b. Fixed Interest Rates
SN Tenure of the Products Interest Rate
Minimum Maximum
1 Up to 3 Years 11.25% 12.00%
2 Above 3 Years to 7 Years 12.50% 13.25%
3 Above 7 to 10 Years 13.50% 14.00%
3 Months Average Base Rate of Jestha, 2083 5.64%
Interest Spread for the month of Jestha, 2083 4.30%
III. Additional Information
1. Interest in saving and call deposits are paid on quarterly basis while interest in FD can be paid monthly or quarterly.
2. Aashirwad Bachat products are applicable for existing customers only.
3. Interest rates on call accounts are negotiated and may vary subject to market conditions.
4. The remittance fixed deposit product is applicable to individuals only.
5. Fixed deposits can be opened for the specified published tenure only.
6. The interest rate applicable on forced loan shall be 7% on top of the base rate.
7. The interest rate in consortium loans shall be as decided by the consortium meetings.
8. Penal interest of plus 2% per annum will be applied on overdue amount.
9. Interest rate on Deprived Sector and Subsidized Loan shall be in line with NRB Directive.
10. Bank shall comply applicable NRB directives and circular while determining interest rate on loan products.