एभरेष्ट बैंकको ब्याजदर २०८३ असार १ (२०२६ जुन १५) देखि लागूEverest Bank Interest Rates Effective 15th June 2026 (1st Asar 2083)

INTEREST RATE

Effective from 15th June 2026 (1st Asar 2083)

Savings Deposit (NPR)

S.N. Account Type Interest Rate (p.a)

1 Remittance Plus/Savings Gorkha Regiment/Pension Savings 3.75%

2 Everest Maxi Savings 2.75%

3 Saving Premium 2.75%

4 Matribhumi Savings 2.75%

5 Everest Special Savings 2.75%

6 Staff Savings-EBL 2.75%

7 Payroll Savings (NFPO) 2.75%

8 Corporate Salary 2.75%

9 Saving Salary 2.75%

10 Other Saving Products 2.75%

A. For Individual Borrower availing Term Loan

Credit Facilities Floating Interest Band Fixed Interest Rate Up to 7 Years

Housing Loan BR+ 1.00% to BR + 3.00% 7.49%

Vehicle Loan BR+ 1.00% to BR + 3.00% 7.49%

Hire Purchase BR+ 1.00% to BR + 3.00% 9.00%

Education Loan BR+ 2.00% to BR + 4.00% 9.00%

Flexi Loan BR+ 1.00% to BR + 3.00% 9.00%

Professional Loan BR+ 1.00% to BR + 3.00% 10.00%

Future Lease Loan BR+ 1.00% to BR + 3.00% 9.00%

Retail Space Loan BR+ 1.00% to BR + 3.00% 9.00%

Loan against Share BR+ 1.00% to BR + 3.00% 9.00%

Loan against Consumable Goods BR+ 1.00% to BR + 3.00% 9.00%

Loan against Pension BR+ 1.00% to BR + 3.00% 9.00%

Advance against Life Insurance Policy BR+ 1.00% to BR + 3.00% 9.00%

Agro Loan BR+ 1.00% to BR + 3.00% 9.00%

Deprived Sector BR+ 1.00% to BR + 3.00% 9.00%

Call Deposit (NPR)

S.N. Account Type Interest Rate (p.a)

1 Normal Call Deposit Upto 0.75%

Normal Fixed Deposit (NPR)

S.N. Particular Period Interest Rate (p.a)

1 Individual 3 months to 2 years 2.75%

Above 2 years to 5 years 3.50%

Above 5 years 4.05%

2 Institutional 6 months to 2 years 2.75%

Above 2 years to 5 years 3.00%

Above 5 years 3.50%

B. For SME Loans

Credit Facilities Floating Interest Band Fixed Interest Rate Up to 5 Years

WC-CC/ STL/ DL/ TR BR+ 1.00% to BR + 3.00% -

Term Loans BR+ 1.00% to BR + 3.00% 8.50%

Margin Lending/Share Loan BR+ 1.00% to BR + 3.00% -

Deprived Sector (Others/Institutional) BR+ 1.00% to BR + 3.00% 8.50%

USD Denominated FCY Loan As per NRB Regulations

Loan against Liquid Assets (FDR, Govt. Bond/ National Saving Bond) Up to 2% above coupon rate

FCY Deposit

SN. Particular Saving Call Deposit Fixed Deposit Individual Institution

1 USD 3.00% Upto 1.50% 3.25% Linked with international benchmark rates

2 EUR 2.00% Upto 1.00% 2.00% Linked with international benchmark rates

3 GBP 2.00% Upto 1.00% 2.00% Linked with international benchmark rates

C. For Corporate Loans

Credit Facilities Floating Interest Band Fixed Interest Rate Up to 5 Years

WC-CC/ STL/ DL/ TR BR+ 0.50% to BR + 2.50% -

Term Loans BR+ 1.00% to BR + 3.00% 8.50%

Margin Lending/Share Loan BR+ 0.50% to BR + 2.50% -

Deprived Sector (Others/Institutional) BR to BR + 2.00% 8.50%

USD Denominated FCY Loan As per NRB Regulations

Loan against Liquid Assets (FDR, Govt. Bond/ National Saving Bond) Up to 2% above coupon rate

Credit Facilities Floating Interest Band

Short Term Demand Loan BR + up to 2.00%

Notes:

- Relaxation of 1% in ROI shall be extended to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, war victims, single women and disabled individuals under Deprived Sector Loan.

- Interest rates on consortium loans shall be as per consortium decision.

- Penal [email protected]% shall be applied in irregular/watch-list/ NPA account.

- The variance on interest rate between same nature loans shall not be greater than that is prescribed by regulator.

- In case of remittance Fixed/Saving Deposit, 1% higher rate over normal rate will be provided.

Base Rate Applicable : 4.49% (For Jestha 2083- Average of last 3 months)

Monthly- Baisakh 2083

Base Rate : 4.35%

Spread Rate : 3.08%