राष्ट्रिय वाणिज्य बैंकको निक्षेपमा वार्षिक ब्याजदर, २०८३ असार ०१ देखि लागु हुनेRastriya Banijya Bank: Annual Interest Rates on Deposits, Effective from 1st Ashar 2083 (15th June 2026)

Rastriya Banijya Bank Ltd.

Central Office

An 'A' class licensed institution from Nepal Rastra Bank

Annual Interest Rates on Deposits, Effective from 1st Ashar 2083 (15th June 2026)

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

1 Savings Deposit (Local Currency)

General Savings Account रु.1000 2.75

R.B. Bank Special Savings Account रु.5000 2.50

R.B. Bank Golden Savings Account रु.5000 2.50

R.B. Bank Diamond Savings Account रु.5000 2.50

Karmayogi Savings Account रु.5000 2.50

Mahalaxmi Savings Account रु.5000 2.50

Chhunumuna Savings Account रु.500 (Minimum deposit of रु.500 per month) 2.50

Teacher Savings Account रु.500 2.50

Nepal Government Pensioner Savings Account 0 2.50

R.B. Bank Pensioner Savings Account 0 2.50

Social Security Savings Account 0 2.50

Armed Police Savings Account 0 2.50

Police Savings Account 0 2.50

University Pension Savings Account 0 2.50

Nepal Telecom Pensioner Savings Account 0 2.50

Agricultural Research Pensioner Savings Account 0 2.50

Dirghayu Savings Account रु.1000 2.50

Compensation Savings Account 0 2.50

Earthquake Victim Relief Savings Account 0 2.50

R.B. Bank Employee Savings Account रु.100 2.50

Nepal Army Employee Savings Account 0 2.50

Salary Savings Account 0 2.50

Student Super Savings Account रु.100।00 (To be deposited by R.B. Bank) 2.50

R.B. Bank Samriddhi Savings Account (*) रु.100।00 (To be deposited by R.B. Bank) 2.50

Daughter Security Savings Account (Karnali) 0 2.50

R.B. Bank Remittance Savings Account रु.100।00 (To be deposited by R.B. Bank) 4.00

2 Savings Deposit (Foreign Currency)

US Dollar अमेरिकी डलर USD 10 2.75

Rastriya Banijya Bank Ltd.

Central Office

A 'Class' licensed institution from Nepal Rastra Bank

Annual Loan Interest Rates, Effective from 1st Ashar 2083 (15th June 2026)

Loan Products Premium Rate (%)

RBB SME Current Capital Loan (Including Permanent)

Industrial 1.10

Commercial 1.25

RBB SME Term Loan

Industrial 1.10

Commercial 1.45

Current Capital Loan

Overdraft / Cash Credit #0.50 देखि 2.00

Hire Purchase Refinancing Loan 0.50 देखि 2.00

Hypothecation #0.50 देखि 2.00

Term Loan

Industrial

1. Up to Rs. 2 Crore 1.50 देखि 1.75

2. Above Rs. 2 Crore 1.00* देखि 2.50

Hydropower Project Loan 1.50 देखि 2.50

Commercial 1.50 देखि 2.50

Housing / Real Estate 2.50 देखि 2.75

Gold Loan 4.00

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

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

Priority Sector Loan 1.50

Deprived Sector Loan

Individual 1.50

Institutional

Wholesale Loan 0.50 देखि 2.00

Direct Loan 1.50

Subsidized Loan 1.50

Agricultural Loan (Excluding Subsidized)

Kisan Saral Loan 0.50

Province Special Agricultural Loan 0.50

T.R / Import Loan 0.50 देखि 1.50

T.R / Import Loan (USD) 0.50 सम्म

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

Mero Home Loan

Up to Rs. 3 Crore 1.50 देखि 1.75

Above Rs. 3 Crore 2.00

Euro EURO 10 1.00

USD 10 equivalent 1.00

3. Fixed Deposit (Local Currency)

General Fixed Deposit

R.B. Bank Special Fixed Deposit

R.B. Bank Remittance Fixed Deposit

(3 months to 5 years) Rs. 10 हजार 5.75

R.B. Bank Fixed Deposit (for National Pride Project affected only)

3 months to 2 years Rs. 5000 5.00

R.B. Bank Akshyakosh Fixed Deposit (Minimum 1 year)

R.B. Bank Akshyakosh Fixed Deposit (Minimum 1 year) Rs. 50 हजार Mutual understanding

Nepal Army Fixed Deposit 1 year

Nepal Army Fixed Deposit 1 year Mutual understanding Base rate equivalent

4. Fixed Deposit (Foreign Currency)

For 3 months and more

US Dollar - 2.80

Euro - 2.00

Other Currency - 2.00

5. Current Deposit (Foreign Currency)

US Dollar USD 500 -

Euro EURO 500 -

Other Currency USD 500 equivalent -

6. Call Deposit (Local Currency)

Call Deposit (Local Currency) Mutual understanding 0.50

7. Call Deposit (Foreign Currency)

US Dollar - 1.00

Euro - 0.50

Other Currency - 0.50

R.B. Bank Recurring Fixed Deposit and Full Double Fixed Deposit accounts have been closed effective from 2075 Magh 1.

Current accounts of consumer committees can be opened with zero balance.

Interest will be paid quarterly on all types of fixed deposits opened from 2078 Magh 1.

Note: For deposits (savings and fixed) received in foreign currency through remittance, the published interest rate will be increased by 1%.

Karmayogi Savings Account can be opened by Nepali citizens aged 20 years and above.

When opening Mahalaxmi and Karmayogi savings accounts, there will be a 25 percent discount on locker fees.

Chhunumuna Savings Account can only be opened in the name of minors under 18 years of age, and checkbook, ATM Card will be provided only after reaching 18 years of age.

* As per Nepal Government's "Khola Bank Khata Abhiyan, 2076", this is only for individuals who do not have accounts in other banks and financial institutions.

The interest rate for Nepal Army Fixed Deposit (1 year) will be equal to the base rate.

Above Rs. 2 Crore: 2.00

Earthquake Victim Home Loan (New): 0.25

Nepali Army Housing Loan: 0.32

Vehicle Loan: 2.00 to 3.00

Electric Vehicle Loan

Up to 5 years: 1.35 to 1.75

5 to 7 years: 1.35 to 2.00

Pensioner Loan: 2.00

Professional Loan: 1.75 to 2.75

Teacher Loan: 2.00

Civil Servant Loan: 2.00

Foreign Employment Loan: 0.50

Co-financing Loan: As per agreement

Fixed Interest Rate (for periodic loans of natural persons only)

Loan Product Fixed Interest Rate (%)

Hire Purchase Loan (5 years) 5.00

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

Vehicle Loan (7 years) 8.00

Electric Vehicle Loan (7 years) 6.50

Pensioner Loan (5 years) 7.50

Professional Loan (5 years) 7.50

Teacher Loan (5 years) 7.50

Civil Servant Loan (5 years) 7.50

Educational Loan (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 periodic loans of institutional persons only)

Loan Products 5 to 10 years Above 10 years

Industrial 7.00 8.00

Commercial 7.25 8.25

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

The average base rate for the last three months is 4.24%, and the spread rate for Baisakh 2083 is 3.35%. The maximum interest rate applicable for immediate payment of bank guarantee claims will be charged.

The loan interest rate will be determined by adding the mentioned premium rate to the average base rate (Base Rate) published for the last three months.

The average base rate (Base Rate) for the last three months will be published on the bank's official website on Ashar 1.

Loan interest rates will also change as the base rate changes monthly.

For borrowers whose branches are listed above, the higher of the published maximum interest rate or the previous interest rate will be applicable.