राष्ट्रिय वाणिज्य बैंकद्वारा नयाँ ब्याजदर सार्वजनिकRastriya Banijya Bank Announces New Interest Rates

Rastriya Banijya Bank Ltd.

Central Office

Annual Interest Rate on Deposits, Effective from 2083 Bhadra 01 (17th August 2026)

S.N. Deposit Products Minimum Balance Requirement Interest Rate in %

1 Saving Deposit (Local Currency)

General Saving Account रु.1000 2.75

R.B. Bank Special Saving Account रु.5000 2.80

R.B. Bank Sunalo Saving Account रु.5000 2.80

R.B. Bank Diamond Saving Account रु.5000 2.80

Karmayogi Saving Account रु.5000 2.80

Mahalaxmi Saving Account रु.5000 2.80

Chhunamuna Saving Account रु.500 (Minimum monthly deposit रु.500) 2.80

Teacher Saving Account रु.500 2.80

Dirghayu Saving Account रु.1000 2.80

R.B. Bank Employee Saving Account रु.100 2.80

Student Super Saving Account रु.100।00 (Deposited by R. B. Bank) 2.80

R.B. Bank Samriddhi Saving Account (*) रु.100।00 (Deposited by R. B. Bank) 2.80

Daughter Security Saving Account (Karnali) 0 2.80

R.B. Bank Remittance Saving Account रु.100।00 (Deposited by R. B. Bank) 3.80

2 Saving Deposit (Foreign Currency)

3 Fixed Deposit (Local Currency)

General Fixed Deposit

Individual: 3 Months to 6 Months रु. 5000 Individual 2.80

Annual Interest Rate on Loans, Effective from 2083 Bhadra 01 (17th August 2026)

Loan Products Premium Rate %

RBB SME Working Capital Loan (Including Permanent)

Industrial 1.10

Commercial 1.25

RBB SME Term Loan

Industrial 1.10

Commercial 1.45

Working Capital Loan

Overdraft / Cash Credit #0.50 to 2.00

Hire Purchase Refinancing Loan 0.50 to 2.00

Hypothecation #0.50 to 2.00

2. Above रु. 2 Crore 1.00* to 2.50

Hydroelectric Project Loan 1.50 to 2.50

Commercial 1.50 to 2.50

Housing / Real Estate 2.50 to 2.75

Gold Loan 4.00

Loan against Government Securities 1.00 (Not lower than coupon rate)

Loan against Fixed Deposit Receipt Coupon + 2.0 (Not lower than base rate)

Priority Sector Loan 1.50

Deprived Sector Loan

Individual 1.50

Institutional

Wholesale Loan 0.50 to 2.00

Direct Loan 1.50

Concessional Loan 1.50

Agriculture Loan (Excluding Concessional)

Kisan Saral Loan 0.50

Province Special Agriculture Loan 0.50

T.R. / Import Loan 0.50 to 1.50

T.R. / Import Loan (USD) Up to 0.50

Export Loan 1.00

Export Refinance Loan As per NRB directives

Home Loan (Including Apartment):

Up to 5 Years 2.00

Up to 10 Years 2.25

Up to 15 Years 2.50

Mahalaxmi Home Loan (Including Apartment):

Up to 10 Years 2.00

Up to 15 Years 2.25

Up to 20 Years 2.50

Your Own Home Loan

Up to 5 Years 2.00

Up to 10 Years 2.25

Up to 15 Years 2.50

Up to 20 Years 2.75

RBB Remittance Fixed Deposit (3 months to 5 years) Rs. 10 thousand 5.00

RBB Fixed Deposit (For project-affected people of National Pride Projects only) 3 months to 2 years Rs. 5000 3.75

RBB Endowment Fund Fixed Deposit (Minimum 1 year) Rs. 50 thousand On mutual agreement

Nepal Army Fixed Deposit 1 Year On mutual agreement Equal to Base Rate

4 Fixed Deposit (In Foreign Currency)

For 3 months and above

US Dollar 3.00

Euro 2.00

Other currencies 2.00

5 Current Deposit (In Foreign Currency)

US Dollar USD 500

Euro EURO 500

Other currencies Equivalent to USD 500

6 Call Deposit (In Local Currency) On mutual agreement 0.50

7 Call Deposit (In Foreign Currency)

US Dollar 1.00

Euro 0.50

Other currencies 0.50

Above Rs. 3 Crore 2.00

Earthquake Victims Housing Loan (New) 0.25

Nepal Army Housing Loan 0.32

Pensioner Loan 2.00

Professional Loan 1.50 to 2.75

Teacher Loan 2.00

Civil Servant Loan 2.00

Foreign Employment Loan 0.50

Consortium Loan As per agreement

Fixed Interest Rate (For Natural Person Periodic Loans Only)

Loan Product Fixed Interest Rate (%)

Hire Purchase Loan (5 years) 8.00

Home Loan (Including Apartment):

Up to 5 years 7.25

Up to 10 years 7.50

Up to 15 years 8.00

Mahalaxmi Home Loan (Including Apartment):

Up to 10 years 7.50

Up to 15 years 7.75

Up to 20 years 8.00

Auto Loan (Up to 7 years) 8.00

Electric Vehicle Loan (Up to 7 years) 6.50

Pensioner Loan (Up to 5 years) 7.50

Professional Loan (Up to 5 years) 7.50

Teacher Loan (Up to 5 years) 7.50

Civil Servant Loan (Up to 5 years) 7.50

Education Loan (Up to 5 years) 7.50

Mortgage Loan

Up to 5 years 8.00

Up to 10 years 8.50

Personal Loan

Up to 5 years 8.00

Up to 10 years 8.50

RBB Fone Loan 10.00

Fixed Interest Rate (For Institutional Periodic Loans Only)

Loan Products 5 to 10 years More than 10 years

Industrial 7.00 8.00

Commercial 7.25 8.25

Note: Student Super Savings Account can be opened with zero balance.

Consumer Committee Current Account can be opened with zero balance.

Interest on all types of fixed deposits opened from 1st Magh 2079 will be paid on a quarterly basis.

If deposits in foreign currency (savings and fixed) are received through remittance, an additional 1% will be added to the published interest rate.

Karmayogi Savings Account can be opened by Nepali citizens who have reached 20 years of age.

A 25 percent discount on locker fees will be provided when opening Mahalaxmi and Karmayogi Savings Accounts.

Chhunamuna Savings Account can be opened only in the name of minors below 18 years of age, and Chequebook, ATM Card will be provided only after reaching 18 years of age.

* Under the Nepal Government's 'Kholau Bank Khata Abhiyan, 2076', only for individuals who do not have accounts in other banks and financial institutions.

Interest rate on Nepal Army Fixed Deposit (1 Year) will be equal to the base rate.

* Terms and conditions apply. # Terms and conditions apply.

Average Base Rate of the last three months is 4.17%, Interest Rate Spread for Ashar month 2083 is 3.44%.

Bank guarantee claim payment will attract the maximum interest rate currently applicable.

The loan interest rate will be determined by adding the stated premium rate to the average Base Rate of the last three months published on Bhadra 1.

The average Base Rate of the last three months will be published on the bank's official website on Bhadra 1.

Loan interest rates will change in accordance with changes in the base rate on a monthly basis.

In case of overdue borrowers, the maximum published loan interest rate or the previous interest rate, whichever is higher, will be applied.