हिमालयन बैंकको निक्षेप र कर्जाको नयाँ ब्याजदरHimalayan Bank's New Interest Rates for Deposits and Loans

Interest Rate on various HBL Deposit and Loan Products effective from Asadh 01, 2083 (June 15, 2026)

Savings Deposit (LCY) % Per Annum

LCY Savings - Normal 2.750

LCY Savings - Himal 2.750

LCY Savings - Bishesh 2.750

Social Security Account 2.750

PMS Saving Account 2.800

Premium Savings Account 3.000

Super Premium Savings Account 2.800

Shareholder's Savings 4.250

Himal Remit Savings 2.750

Family Savings 2.750

Mero Pahilo Bachat Khata 3.250

Special Payroll Account 2.800

HBL Nari Bachat 3.250

Subidha Savings Account 3.250

Exclusive Privilege Savings Account 2.750

Jeevan Surakchya Bachat 2.750

Daughter's of Karnali Province 2.750

Call Deposit (LCY) % Per Annum

Current Call Account Up to 1.375

Non - Profit Organization Current Call A/C Up to 1.375

LCY Fixed Deposit Individuals (% Per Annum) Institutions (% Per Annum)

Above 5 Years up to 10 Years 4.000 3.500

HimalRemit Fixed Deposit

Above 5 Years up to 10 Years 5.000 -

Fixed Deposit (FCY) % Per Annum- Individual (3 Months up to 1 Year) % Per Annum- Institution (6 Months up to 1 Year)

USD 3.353 3.353

Retail/Consumer Personal Loan (Fixed Rate)

Type of Loan % Per Annum

Home Loan (Upto 7 Years) 6.750

Hire Purchase (Private) - Up to 7 Years 7.000

Subidha Loan (Up to 7 Years) 7.000

Education Loan (Up to 7 Years) 7.000

Mortgage Loan - Secured Personal Loan (Up to 7 Years) 7.750

Commercial Hire Purchase - (Up to 7 Years) 8.500

Applicable Base Rate for Jestha 2083 (Average of Falgun, Chaitra 2082 and Baisakh 2083) 5.45%

Note:

a) Interest rate applicable on forced loan may vary with risk premium from the published rate.

b) Interest rate in consortium financing as decided by consortium.

c) Interest rate in NPA accounts may vary from the published rate.

d) Penal Interest of plus 2% p.a. will be applied on overdue amount.

e) Bills under import LC (BLC) and other forced loan will attract interest rate of 16% p.a.

f) Interest payment on Super Premium Savings Account shall be done only on monthly basis where as interest payment on Exclusive Privilege Savings, Subidha Saving Account and all other deposit shall be done on quarterly basis.

g) As per directives of NRB, no pre-mature/withdrawal will be allowed for Institutional Fixed Deposit before end of 6 months.

h) With regard to revision of interest rates on loans, arrangements shall be made to ensure adherence to the directives of NRB which states the interest rate variance on similar loan types should not exceed 2% p.a.

i) Interest Rate on other Deposit & Loan products shall remain as it is.