प्रभु बैंकको निक्षेप तथा कर्जाको ब्याजदर (०१ आषाढ २०८३ देखि लागू)Prabhu Bank Deposit and Lending Interest Rates (Effective from 01 Asadh 2083)
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on June 14, 2026
Deposit and Lending Interest Rates
With effect from June 15, 2026 (०१ Asadh २०८३)
Deposit Products Minimum Balance Interest Rate (% p.a.)
Prabhu Foreign Unnati Savings (Remittance) - 4.000
Prabhu Unnati Savings (Remittance) - 4.000
Prabhu Shramik Bachat Khata - 4.000
Prabhu Shatabdi Savings 25,000.00 3.000
Prabhu Hybrid Savings* - 3.000
Prabhu Salary Savings - 2.750
Prabhu Foreign Savings - 2.750
Prabhu Chetana Bachat Khata 100.00 2.750
Prabhu Welcome Savings - 2.750
Prabhu Muaabja Savings - 2.750
| Prabhu Khutruke Savings | 100.00 | 2.750 |
| Prabhu Senior Citizen Savings | 100.00 | 2.750 |
Prabhu G2P Savings - 2.750
Prabhu Normal Savings 100.00 2.750
Prabhu Goodluck Savings - 2.750
Prabhu Nari Savings - 2.750
Prabhu Guest Savings 100.00 2.750
Prabhu Call Deposits (NPR) - Up to 0.10
| LCY Fixed Deposits | 6 | 1 | 1 | 3 | 3 | 10 | 10 |
| Institutional | 2.750 | 2.750 | 2.750 | 2.750 | |||
| Individual | 2.750 | 3.100 | 4.000 | 4.550 | |||
| Prabhu Unnati Muddati* (Remittance) | 4.000 | 4.000 | 4.000 | 5.550 | |||
| Prabhu Hybrid Bachat Khata (Fixed Deposit)* N/A | 2.750 | 2.750 | 2.750 | ||||
| Prabhu Recurring Fixed Deposit* | 2.750 | 2.750 | 2.750 | 2.750 |
Swarnim Muddati* - 5 Years (For Indiviudal Only) - - - 4.000
FCY Deposits
Currencies Minimum Balance Fixed Deposit 6 months and above (Institutional) Fixed Deposit 3 months and above (Individual) Saving Deposit Call Deposit
| US Dollar (USD) | 50.00 | 3.60 | 3.60 | 2.70 | 1.350 |
| Euro (EUR) | 50.00 | 2.70 | 2.70 | 1.80 | 0.900 |
| Great Britain Pound (GBP) | 50.00 | 3.15 | 3.15 | 1.80 | 0.900 |
| Australian Dollar (AUD) | 50.00 | 3.15 | 3.15 | 2.25 | 1.125 |
| Japanese Yen (JPY) | 50.00 | 2.03 | 2.03 | 1.35 | 0.675 |
| Chinese Yuan (CNY) | 50.00 | 3.40 | 3.40 | 2.50 | 1.250 |
Prabhu NRN and Foreign Institutional FCY Deposits* Minimum Balance Fixed Deposit - 1 year and above Saving Deposits Foreign Institutional Fixed Deposit - 1 Year and above
| US Dollar (USD) - | 3.60 | 2.70 | 3.60 | |
| Euro (EUR) - | 2.70 | 1.80 | 2.70 | |
| Great Britain Pound (GBP) Equivalent USD | 1,000.00 | 3.15 | 1.80 | 3.15 |
| Australian Dollar (AUD) - | 3.15 | 2.25 | 3.15 | |
| Japanese Yen (JPY) - | 2.03 | 1.35 | 2.03 | |
| Chinese Yuan (CNY) - | 3.40 | 2.50 | 3.40 |
Loan and Advances Minimum Premium (% p.a.) on Base Rate Maximum Premium (% p.a.) on Base Rate
Export Credit 1.000 3.000
Cash /Cash Eqv. Secured Against Own FDR /Cash Base Rate or Coupon Rate whichever is higher plus 2.00
Against Govt. Bonds Base Rate or Coupon Rate whichever is higher plus 2.00
Corporate /Multinationals
| Trust Receipt /STL/Import Loan | 1.000 | 3.000 |
| Demand Loan | 1.000 | 3.000 |
| Bridge Gap Loan | 1.000 | 3.000 |
| Overdraft/ Cash Credit | 1.000 | 3.000 |
| Term Loan | 1.000 | 3.000 |
| Hire Purchase Loan | 1.000 | 3.000 |
| Loan Against Share | 1.000 | 3.000 |
Prabhu SME Loan
| Trust Receipt /STL/Import Loan | 2.000 | 4.000 |
| Demand Loan | 2.000 | 4.000 |
| Bridge Gap Loan | 2.000 | 4.000 |
| Overdraft/ Cash Credit | 2.000 | 4.000 |
| Term Loan | 2.500 | 4.500 |
| Hire Purchase Loan | 2.000 | 4.000 |
| Loan Against Share | 2.000 | 4.000 |
| Prabhu Sana Byabasaya Karja | 1.300 | 3.300 |
Microfinance Loan
Direct Lending 2.000 4.000
Other Deprived loan - 2.000
Deprived Subsidized loan - 2.000
Indirect/Corporate Lending
Corporate - 2.000
Other Subsidized Loan - 2.000
Consumer Loans
Prabhu Home Loan-Upto Rs. 30 mio **
| Upto | 5 | 1.000 | 3.000 | |
| Above | 5 | 10 | 2.000 | 4.000 |
| Above | 10 | 15 | 2.000 | 4.000 |
| Above | 15 | 20 | 2.000 | 4.000 |
| Above | 20 | 25 | 2.000 | 4.000 |
| Low Cost Housing | 1.000 | 3.000 | ||
| Education Loan | 1.000 | 3.000 |
Foneloan*** Base rate +7% premium
Prabhu Loan Against Property (PLAP)
| Term Loan | 2.000 | 4.000 |
| Individual Revolving Loan | 2.000 | 4.000 |
Personal Auto Loan**
| Upto | 5 | 1.000 | 3.000 | |
| Above | 5 | 8 | 1.500 | 3.500 |
| Hire Purchase Loan | 2.000 | 4.000 | ||
| Loan Against Share | 2.000 | 4.000 | ||
| Real Estate Loan | 2.000 | 4.000 | ||
| Gold Loan | 2.000 | 4.000 | ||
| Other Personal Loans | 2.000 | 4.000 |
Consortium Lending As per consortium decision
FCY denominated Loans Negotiable
Fixed Lending Rates Up to 7 Years Above 7 Years
Home Loan 8.00 8.50
Auto Loan 8.00 -
*Conditions apply, ** Bucket Wise ***Fixed at the time of disbursement
Note :
1. The above interest rates are only indicative and subject to vary staying within the guidelines of NRB.
2. Penal interest of additional 2% p.a. will be applied on the overdue amount or expired loan.
3. Additional penal rate of 2.00% p.a may be charged in case of loan is used other than intented purpose and any activities conducted to degrade mortgage properties.
4. Bills Under import LC (BLC) and other forced loan will attract additional 2% p.a. on highest interest premium plus average base rate.
5. Interest rates of similar loan products shall be as per the NRB guidelines.
6. Interest rate on lending shall be applicable to new loan.
7. Interest rates for the NRB specified sectors/ borrowers shall be applicable as per the NRB directive.
8. Interest on Credit Card is 2.5% p.m. (if applicable).
9. The effective applicable loan interest rate shall be automatically revised with effect from the first day of every month based on the change in the immediate last three months ( Bikram Sambat Calender) average base rate as published by the bank periodically.
10. Merged Deposit Products : Prabhu Students Savings to Prabhu Goodluck Savings
11. Saving deposit products merged will continue to have the same Interest rate and product features as the savings deposit product into which they are merged.
Deposit and Lending Interest Rates
With effect from June 15, 2026 (01 Asadh 2083)
Deposit Products Minimum Balance Interest Rate (% p.a.)
Prabhu Foreign Unnati Savings (Remittance) - 4.000
Prabhu Unnati Savings (Remittance) - 4.000
Prabhu Shramik Bachat Khata - 4.000
Prabhu Shatabdi Savings 25,000.00 3.000
Prabhu Hybrid Savings* - 3.000
Prabhu Salary Savings - 2.750
Prabhu Foreign Savings - 2.750
Prabhu Chetana Bachat Khata 100.00 2.750
Prabhu Welcome Savings - 2.750
Prabhu Muaabja Savings - 2.750
| Prabhu Khutruke Savings | 100.00 | 2.750 |
| Prabhu Senior Citizen Savings | 100.00 | 2.750 |
Prabhu G2P Savings - 2.750
Prabhu Normal Savings 100.00 2.750
Prabhu Goodluck Savings - 2.750
Prabhu Nari Savings - 2.750
Prabhu Guest Savings 100.00 2.750
Prabhu Call Deposits (NPR) - Up to 0.10
| LCY Fixed Deposits | 6 | 1 | 1 | 3 | 3 | 10 | 10 |
| Institutional | 2.750 | 2.750 | 2.750 | 2.750 | |||
| Individual | 2.750 | 3.100 | 4.000 | 4.550 | |||
| Prabhu Unnati Muddati* (Remittance) | 4.000 | 4.000 | 4.000 | 5.550 | |||
| Prabhu Hybrid Bachat Khata (Fixed Deposit)* N/A | 2.750 | 2.750 | 2.750 | ||||
| Prabhu Recurring Fixed Deposit* | 2.750 | 2.750 | 2.750 | 2.750 |
Swarnim Muddati* - 5 Years (For Indiviudal Only) - - - 4.000
FCY Deposits
Currencies Minimum Balance Fixed Deposit 6 months and above (Institutional) Fixed Deposit 3 months and above (Individual) Saving Deposit Call Deposit
| US Dollar (USD) | 50.00 | 3.60 | 3.60 | 2.70 | 1.350 |
| Euro (EUR) | 50.00 | 2.70 | 2.70 | 1.80 | 0.900 |
| Great Britain Pound (GBP) | 50.00 | 3.15 | 3.15 | 1.80 | 0.900 |
| Australian Dollar (AUD) | 50.00 | 3.15 | 3.15 | 2.25 | 1.125 |
| Japanese Yen (JPY) | 50.00 | 2.03 | 2.03 | 1.35 | 0.675 |
| Chinese Yuan (CNY) | 50.00 | 3.40 | 3.40 | 2.50 | 1.250 |
Prabhu NRN and Foreign Institutional FCY Deposits* Minimum Balance Fixed Deposit - 1 year and above Saving Deposits Foreign Institutional Fixed Deposit - 1 Year and above
| US Dollar (USD) - | 3.60 | 2.70 | 3.60 | |
| Euro (EUR) - | 2.70 | 1.80 | 2.70 | |
| Great Britain Pound (GBP) Equivalent USD | 1,000.00 | 3.15 | 1.80 | 3.15 |
| Australian Dollar (AUD) - | 3.15 | 2.25 | 3.15 | |
| Japanese Yen (JPY) - | 2.03 | 1.35 | 2.03 | |
| Chinese Yuan (CNY) - | 3.40 | 2.50 | 3.40 |
Loan and Advances Minimum Premium (% p.a.) on Base Rate Maximum Premium (% p.a.) on Base Rate
Export Credit 1.000 3.000
Cash /Cash Eqv. Secured Against Own FDR /Cash Base Rate or Coupon Rate whichever is higher plus 2.00
Against Govt. Bonds Base Rate or Coupon Rate whichever is higher plus 2.00
Corporate /Multinationals
| Trust Receipt /STL/Import Loan | 1.000 | 3.000 |
| Demand Loan | 1.000 | 3.000 |
| Bridge Gap Loan | 1.000 | 3.000 |
| Overdraft/ Cash Credit | 1.000 | 3.000 |
| Term Loan | 1.000 | 3.000 |
| Hire Purchase Loan | 1.000 | 3.000 |
| Loan Against Share | 1.000 | 3.000 |
Prabhu SME Loan
| Trust Receipt /STL/Import Loan | 2.000 | 4.000 |
| Demand Loan | 2.000 | 4.000 |
| Bridge Gap Loan | 2.000 | 4.000 |
| Overdraft/ Cash Credit | 2.000 | 4.000 |
| Term Loan | 2.500 | 4.500 |
| Hire Purchase Loan | 2.000 | 4.000 |
| Loan Against Share | 2.000 | 4.000 |
| Prabhu Sana Byabasaya Karja | 1.300 | 3.300 |
Microfinance Loan
Direct Lending 2.000 4.000
Other Deprived loan - 2.000
Deprived Subsidized loan - 2.000
Indirect/Corporate Lending
Corporate - 2.000
Other Subsidized Loan - 2.000
Consumer Loans
Prabhu Home Loan-Upto Rs. 30 mio **
| Upto | 5 | 1.000 | 3.000 | |
| Above | 5 | 10 | 2.000 | 4.000 |
| Above | 10 | 15 | 2.000 | 4.000 |
| Above | 15 | 20 | 2.000 | 4.000 |
| Above | 20 | 25 | 2.000 | 4.000 |
| Low Cost Housing | 1.000 | 3.000 | ||
| Education Loan | 1.000 | 3.000 |
Foneloan*** Base rate +7% premium
Prabhu Loan Against Property (PLAP)
| Term Loan | 2.000 | 4.000 |
| Individual Revolving Loan | 2.000 | 4.000 |
Personal Auto Loan**
| Upto | 5 | 1.000 | 3.000 | |
| Above | 5 | 8 | 1.500 | 3.500 |
| Hire Purchase Loan | 2.000 | 4.000 | ||
| Loan Against Share | 2.000 | 4.000 | ||
| Real Estate Loan | 2.000 | 4.000 | ||
| Gold Loan | 2.000 | 4.000 | ||
| Other Personal Loans | 2.000 | 4.000 |
Consortium Lending As per consortium decision
FCY denominated Loans Negotiable
Fixed Lending Rates Up to 7 Years Above 7 Years
Home Loan 8.00 8.50
Auto Loan 8.00 -
*Conditions apply, ** Bucket Wise ***Fixed at the time of disbursement
Note :
1. The above interest rates are only indicative and subject to vary staying within the guidelines of NRB.
2. Penal interest of additional 2% p.a. will be applied on the overdue amount or expired loan.
3. Additional penal rate of 2.00% p.a may be charged in case of loan is used other than intented purpose and any activities conducted to degrade mortgage properties.
4. Bills Under import LC (BLC) and other forced loan will attract additional 2% p.a. on highest interest premium plus average base rate.
5. Interest rates of similar loan products shall be as per the NRB guidelines.
6. Interest rate on lending shall be applicable to new loan.
7. Interest rates for the NRB specified sectors/ borrowers shall be applicable as per the NRB directive.
8. Interest on Credit Card is 2.5% p.m. (if applicable).
9. The effective applicable loan interest rate shall be automatically revised with effect from the first day of every month based on the change in the immediate last three months ( Bikram Sambat Calender) average base rate as published by the bank periodically.
10. Merged Deposit Products : Prabhu Students Savings to Prabhu Goodluck Savings
11. Saving deposit products merged will continue to have the same Interest rate and product features as the savings deposit product into which they are merged.