INTEREST RATES
Effective From Asadh 01, 2083
(June 15, 2026)
Interest Rates on Deposits
NPR Saving Deposit
S.N. NPR Saving Deposit Rates Per Annum
1 Global Normal Savings 2.75%
2 Global Nari Bachat Khata 2.75%
3 Global Balbalika Bachat Khata 2.75%
4 Global Navaratna Salary Account 2.75%
5 Social Security Allowance Account 2.75%
6 Global Share Lagani Bachat Khata 2.75%
7 Global BLB Saving Account 2.75%
8 Global Janmabhumi Bachat Khata 2.75%
9 Global Sansthagat Bachat Khata 2.75%
10 Global Jestha Nagarik Bachat Khata 2.75%
11 Sabai Nepaliko Bachat Khata 2.75%
12 Soche Jastai Bank Khata 2.75%
13 Global Remit Savings Account 3.75%
Interest Rates on Fixed Deposits
A. NPR Fixed Deposit
Individual
S.N. Tenure Rates Per Annum
1 3 Months to below 6 Months 2.85%
2 6 Months to below 1 Year 3.00%
3 1 Year to below 2 Years 3.25%
4 2 Years to below 3 Years 4.25%
5 3 Years and above 4.50%
6 Remitters Term Deposit "+ 1.00 % on above slab"
Institutional
S.N. Tenure Rates Per Annum
1 6 Months to below 2 Years 2.75%
2 2 Years and above 3.00%
B. Call Deposit Up to 50% of minimum saving deposit rate
C. FCY Deposit
Currency Saving Deposit Fixed Deposit: Individual-3 months and above Institutional-6 months and above Rates Per Annum
1 US Dollar (USD) 2.25% 3.00%
2 EURO (EUR) 1.50% 2.50%
3 Great Britain Pound (GBP) 2.50% 3.50%
4 Australian Dollar (AUD) 2.50% 3.50%
5 Canadian Dollar (CAD) 1.50% 2.25%
6 Japanese Yen (JPY) 0.50% 1.00%
7 Chinese Yuan (CNY) 0.50% 1.00%
D. Global NRN FCYs Fixed Deposit (1 Year and Above)
S.N. Currency Min. Balance Rates Per Annum
1 US Dollar (USD) USD 1,000/- 3.75%
2 EURO (EUR) Equivalent to USD 1,000/- 3.00%
3 Great Britain Pound (GBP) Equivalent to USD 1,000/- 4.00%
4 Australian Dollar (AUD) Equivalent to USD 1,000/- 4.00%
5 Canadian Dollar (CAD) Equivalent to USD 1,000/- 2.25%
6 Japanese Yen (JPY) Equivalent to USD 1,000/- 1.00%
7 Chinese Yuan (CNY) Equivalent to USD 1,000/- 1.00%
E. Global NRN FCYs Saving Deposit
S.N. Currency Min. Balance Rates Per Annum
1 US Dollar (USD) USD 1,000/- 3.00%
2 EURO (EUR) Equivalent to USD 1,000/- 2.00%
3 Great Britain Pound (GBP) Equivalent to USD 1,000/- 3.00%
4 Australian Dollar (AUD) Equivalent to USD 1,000/- 3.00%
5 Canadian Dollar (CAD) Equivalent to USD 1,000/- 2.00%
6 Japanese Yen (JPY) Equivalent to USD 1,000/- 0.50%
7 Chinese Yuan (CNY) Equivalent to USD 1,000/- 0.50%
Interest Rates on Loans and Advances
CORPORATE/MID CORPORATE/INFRASTRUCTURE & PROJECT FINANCING
S.N. Loan Type Floating Interest Rate Fixed Interest Rate
1 Fixed Term Loan Base Rate + 0.50% to 2.50% 7.99% to 9.99%
2 Energy Sector Structured Term Loan Base Rate + 0.50% to 2.50% 7.49% to 9.49%
3 Permanent Working Capital Loan Base Rate + 1.00% to 3.00% 8.49% to 10.49%
4 Fluctuating Working Capital Loan - -
Cash Credit Loan Base Rate + 1.00% to 3.00% -
Short Term Loan Base Rate + 0.75% to 2.75% -
TR/Import Loan Base Rate + 0.50% to 2.50% -
5 Structured Short Term Loan Base Rate + up to 2.00% -
SME
S.N. Loan Type Floating Interest Rate Fixed Interest Rate
1 Fixed Term Loan Base Rate + 1.50% to 3.50% 8.99% to 10.99%
2 Permanent Working Capital Loan Base Rate + 1.50% to 3.50% 8.99% to 10.99%
3 Fluctuating Working Capital Loan - -
Cash Credit Loan Base Rate + 1.50% to 3.50% -
Short Term Loan Base Rate + 1.25% to 3.25% -
TR/Import Loan Base Rate + 0.75% to 2.75% -
4 Global IME Small Business Loan - -
Up to 10 Years Base rate + 2.00% to 4.00 % 8.99% to 10.99%
5 Global IME Krishi Karja (Up to Rs. 2 Crore) - -
Up to 10 Years Base rate + 1.00% to 2.00 % 8.99% to 10.99%
6 Structured Short Term Loan Base Rate + 1.00% to 3.00 % -
EXPORT FINANCING
S.N. Loan Type Floating Interest Rate Fixed Interest Rate
1 Pre-Shipment/Packing Credit/ Post-Shipment Loan Base Rate + 0.50% to 2.50% -
RETAIL AND OTHER
S.N. Loan Type Floating Interest Rate Fixed Interest Rate
1 Home Loan Base rate + 1.50% to 3.50 % 8.99% to 10.99%
2 Auto Loan Base rate + 1.50% to 3.50 % 8.99% to 10.99%
3 Mortgage Loan Base rate + 2.00% to 4.00 % 9.99% to 11.99%
4 Education Loan Base rate + 2.00% to 4.00 % 9.99% to 11.99%
5 Hire Purchase Base rate + 2.00% to 4.00 % 10.99% to 12.99%
6 Global Professional Loan Base rate + 3.00% to 5.00 % 10.99% to 12.99%
7 Loan Against Shares Base rate + 0.75% to 2.75 % -
8 Loan against FCY Deposit Base rate + 1.00% to 3.00% -
9 Loan against Fixed Deposit of Own Bank Coupon rate plus 0.50% to 2.00% or Base rate whichever is higher -
10 Loan against Government Bond Coupon rate plus 0.50% to 2.00% or Base rate whichever is higher -
11 Deprived Sector Loan (Institutional) Base rate + up to 2.00% -
12 Foreign Currency Loan Negotiable -
Notes:
* Rate on consortium financing will be as decided by consortium.
* Additional penal rate of 2.00% p.a. may be charged in case of loan is used other than intended purpose and any activities conducted to degrade mortgage properties.
* Penal charge/fee of +2% p.a. will be applied on the overdue amount/expired loan.
* Interest rate on subsidy loan will be as per NRB circular/agreement with other entities.
* Scheme based loan products will be as per the respective loan schemes.
* Forced loan will apply the highest published floating interest rate.
