नेपाल एसबिआई बैंक लिमिटेडको नयाँ ब्याजदर प्रकाशन

INTEREST RATES: DEPOSITS

With effect from 17th September 2026 (1st Ashwin 2083)

Fixed / Recurring Deposits/ Dhanvriddhi Fixed Deposits# Individuals Institutions/ Foreign Diplomatic Institutions

≥ 3 months and < 6 months 2.82% -

≥ 6 months and < 1 year 3.00% 2.75%

≥ 1 year and < 2 years 3.20% 2.75%

≥ 2 years and < 3 years 3.40% 2.75%

≥ 3 years and Above 4.10% 2.75%

NPR Call Deposits

Account Type Interest Rate

Call Deposit Up to 0.75%

FCY Saving Deposit

Account Type Interest Rate

Saving Deposit (USD) 3.00%

Saving Deposit (EUR) 0.50%

Saving Deposit (GBP) 0.50%

FCY Fixed Deposit Individual-For 3 months and above) / (Institutions-For 6 months and above)

Account Type Interest Rates

USD Up to 3.85%

EUR Up to 1.00%

GBP Up to 1.00%

FCY Call Deposit

Account Type Interest Rates

USD 1.50%

EUR 0.25%

GBP 0.25%

Saving Deposits

Account Scheme Interest Rate

a) Sambriddha Nagarik Bachat Khata/ Saral Bachat Khata 2.75%

b) Savings-Swarnim Bachat Khata 2.76%

c) Savings- PF 2.77%

d) SB Corporate Salary Package (CSP) 2.77%

e) Savings- Rakshak Bachat Khata 2.78%

f) NSBL Baal Bachat Khata/ Savings-Abakash Kosh 2.79%

g) SB Karmachari Bachat Khata / Chhori Bachat Khata 2.80%

h) All other LCY Saving Accounts 2.80%

Loans & Advances

With effect from 17th September 2026 (1st Ashwin 2083)

Fixed Interest Rate

Account Scheme Up to 5 years Above 5 years to 10 years Above 10 years Floating Interest Rate

Education Loan 9.99% 10.49% 10.99% BR + 2.00% - 4.00%

Education Loan Plus 9.99% 10.49% 10.99% BR + 2.00% - 4.00%

Home Loan 8.99% 9.49% 10.49% BR + 0.50% - 2.50%

Auto Loan / Hire Purchase Loan (Personal/ Official) 8.99% 9.49% - Personal Purpose (EV): BR + 0.25% - 2.25%

Personal Purpose (IC): BR + 0.50% -2.50%

Official Purpose (EV): BR + 0.25% - 2.25%

Official Purpose (IC): BR + 0.50% - 2.50%

Auto Loan / Hire Purchase Loan (Commercial) 9.99% 10.99% - Commercial Purpose (EV): BR + 1.00% - 3.00%

Commercial Purpose (IC): BR + 1.00% - 3.00%

Personal Mortgage Term Loan / Other Personal Term Loan 9.99% 10.99% 11.99% BR + 0.50% - 2.50%

Bhu Pu Loan 9.99% 10.99% 11.99% BR + 2.00% - 4.00%

Bhu Pu Plus Loan 9.99% 10.99% 11.99% BR + 2.00% - 4.00%

Loan to Migrant Workers 9.99% 10.99% 11.99% BR + 2.00% - 4.00%

Deprived Sector Lending (Individuals) 9.99% 10.99% 11.99% BR + 2.00% - 4.00%

Term Loan / Project Finance Up to 3 years 7.75% Above 3 years to 5 years 8.00% 9.50% 9.50% Corporate / Mid-Corporate: BR + Up to 2.00% Prime: BR + 1.00% - 3.00% Others: BR + 2.00% - 4.00%

Account Scheme Corporate Customers / Mid-Corporate Customers (Floating Interest Rate) Prime Customers (Floating Interest Rate) Other Customers (Floating Interest Rate)

Working Capital / Cash Credit BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

Trust Receipt BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

Short Term Demand Loan BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

Term Loan / Project Finance BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

Working Capital / Cash - Credit Multinational BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

Pre shipment / Post Shipment Loan BR + Up to 2.00% BR + 1.00% - 3.00% BR + 2.00% - 4.00%

For FCY Loan: Interest rate shall be as per agreement subject to applicable NRB guidelines.

Loan Against FDR FD Rate + Up to 2.00% Or Applicable Base Rate whichever is higher

Deprived Sector Lending (MFI) BR + Up to 2.00%

Deprived Sector Lending (NBFC) BR + (2.00% - 4.00%) for Institutions Qualifying under Deprived Sector Lending as per NRB Directives

Deprived Sector Lending (Retail) BR + 2.00% - 4.00%

Personal Loan/Overdraft BR + 1.00% - 3.00%

SME Loan Prime Customers: BR + Up to 2.00% Other Customers: BR + 2.00% - 4.00%

NSBL Saral Karja for MSME Prime Customers: BR + Up to 2.00% Other Customers: BR + 2.00% - 4.00%

NSBL Krishak Sathi Karja BR + 2.00% - 4.00%

Loan Against Share / Margin Lending BR + up to 2.00%

Loan Against Bonds (Govt & Others) BR + Up to 2.00% Or Applicable Base Rate whichever is higher

Gold Loan BR + 2.00% - 4.00%

FCY Loans (For Payment of Sight LC) Interest rate shall be as per agreement and/or MRR plus premium subject to applicable NRB guidelines

Last Three Months Average Base Rate: 5.14%, Base Rate (Shrawan, 2083) : 5.05%

Interest Spread Rate- (Shrawan 2083): 3.27%

a) Interest Rate applicable on forced loan may vary with risk premium from the published rate.

b) Interest Rate in consortium financing shall be as decided by consortium.

c) Interest rate concession shall be provided to the specified sector under normal Deprived Sector Loan in line with NRB Directive.

d) The interest rate on loan provided under 'Work Procedure on Interest Subsidy for Concessional Loan, 2082', issued by NRB shall be Base Rate + maximum 1.50%.

e) Interest Rate in NPA accounts may vary from the published rate.

f) Penal Interest of plus 2% p.a. will be applied on overdue amount.

g) Risk Premium up to highest published premium rate of loan and advances may be charged to cases attracting additional provisioning as per regulatory requirement.

h) Bills under import LC (BLC) and other forced loan will attract highest published interest rate of loan and advances.

i) For Remittance Deposits (Savings & Fixed Deposits)- 1% above card rates as per NRB guidelines.

j) In case of Institutional Fixed Deposits, premature facility is not allowed before completion of 6 months period.

k) #Fixed Deposits under Dhanvriddhi Scheme will be accepted for the tenure of 6 months and above only.

l) Fixed rate on Personal/ Official purpose vehicle loan booked/sanctioned during Festive Campaign (12th August 2026 - 15th December 2026) will be 6.99% for 5 years repayment period and 7.99% for 7 years repayment period.

Note:

m) Rates of interest on deposits/ loans & advances schemes unless otherwise mentioned herein above, will remain the same. Customers/Prospective Clients are advised to visit our bank's branch or our official website https://nsbl.statebank for specific features, conditions, interest rates of deposits/ loans & advances products/schemes.

*Conditions Apply, ## Interest Payable on maturity.