INTEREST RATES
Effective From Ashwin 01, 2083
(Sep 17, 2026)
Interest Rates on Deposits
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 Rates Per Annum
Individual
1 3 Months to 1 Year 2.76%
2 Above 1 Year to below 2 Years 2.80%
3 2 Years to below 3 Years 3.00%
4 3 Years to below 5 Years 3.50%
5 5 Years and above 4.00%
6 Remitters Term Deposit "+ 1.00 % on above slab"
Institutional
1 Above 1 Year 2.75%
B. Call Deposit Up to 50% of minimum saving deposit rate
C. FCY Deposit
Currency Saving Deposit Fixed Deposit: Individual / Institutional 6 months to below 1 Year Fixed Deposit: Individual/ Institutional 1 Year and above
1 US Dollar (USD) Premium 3.75% 3.80% 4.00%
2 US Dollar (USD) 2.25% 3.80% 4.00%
D. FCY Deposit
Currency Saving Deposit Fixed Deposit: Individual- 3 months and above Institutional- 6 months and above
1 EURO (EUR) 1.50% 2.50%
2 Great Britain Pound (GBP) 2.50% 3.50%
3 Australian Dollar (AUD) 2.50% 3.50%
4 Canadian Dollar (CAD) 1.50% 2.25%
5 Japanese Yen (JPY) 0.50% 1.00%
6 Chinese Yuan (CNY) 0.50% 1.00%
E. Global NRN FCYs Fixed Deposit (1 Year and Above)
Currency Min. Balance Rates Per Annum
US Dollar (USD) USD 1,000/- 3.75%
EURO (EUR) Equivalent to USD 1,000/- 3.00%
Great Britain Pound (GBP) Equivalent to USD 1,000/- 4.00%
Australian Dollar (AUD) Equivalent to USD 1,000/- 4.00%
Canadian Dollar (CAD) Equivalent to USD 1,000/- 2.25%
Japanese Yen (JPY) Equivalent to USD 1,000/- 1.00%
Chinese Yuan (CNY) Equivalent to USD 1,000/- 1.00%
F. Global NRN FCYs Saving Deposit
Currency Min. Balance Rates Per Annum
US Dollar (USD) USD 1,000/- 3.00%
EURO (EUR) Equivalent to USD 1,000/- 2.00%
Great Britain Pound (GBP) Equivalent to USD 1,000/- 3.00%
Australian Dollar (AUD) Equivalent to USD 1,000/- 3.00%
Canadian Dollar (CAD) Equivalent to USD 1,000/- 2.00%
Japanese Yen (JPY) Equivalent to USD 1,000/- 0.50%
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 + 0.25% to 2.25% 7.49% to 9.49%
3 Permanent Working Capital Loan Base Rate + 1.00% to 3.00% 7.99% to 9.99%
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% 7.99% to 9.99%
2 Permanent Working Capital Loan Base Rate + 1.50% to 3.50% 7.99% to 9.99%
3 Fluctuating Working Capital Loan
Cash Credit Loan Base Rate + 1.00% to 3.00% -
Short Term Loan Base Rate + 1.00% to 3.00% -
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 % 7.99% to 9.99%
5 Global IME Krishi Karja (Up to Rs. 2 Crore)
Up to 10 Years Base rate + 1.00% to 2.00 % 7.99% to 9.99%
6 Structured Short Term Loan Base rate + 0.5% to 2.5% -
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 + 1.00% to 3.00 % 8.99% to 10.99%
2 Auto Loan Base rate + 1.00% to 3.00 % 8.99% to 10.99%
3 Mortgage Loan Base rate + 1.50% to 3.50 % 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 % 9.99% to 11.99%
6 Global Professional Loan Base rate + 3.00% to 5.00 % 9.99% to 11.99%
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.
