INTEREST RATES
Effective From 1st Ashwin 2083 (17th September 2026)
Deposits
S.N. Products Interest Rate (Per Annum) Payment
1 Normal Saving Account 2.75% Quarterly Basis
2 Kamana Sewa Pragati Bachat Khata(Silver) 2.75% Quarterly Basis
3 Sabal Nari Bachat Khata 2.75% Quarterly Basis
4 Salary Saving Account 2.75% Quarterly Basis
5 Shareholder Saving Account 2.75% Quarterly Basis
6 Bal Bachat Khata(Child Saving) 2.75% Quarterly Basis
7 Samajik Surakhhya Saving Account 2.75% Quarterly Basis
8 Swabhiman Bachat Khata 2.75% Quarterly Basis
9 Provident Fund Saving Account 2.75% Quarterly Basis
10 Other saving accounts 2.75% Quarterly Basis
11 Kamana Sewa Pragati Bachat Khata (Gold) 2.80% Quarterly Basis
12 Timrai Lagi Saving Account 2.80% Quarterly Basis
13 Kamana Sewa Pragati Bachat Khata (Platinum) 2.80% Quarterly Basis
14 Bishista Bachat Khata 2.80% Quarterly Basis
15 KS PMS Saving Account 2.90% Quarterly Basis
16 AlphaGrow Saving Account 3.00% Quarterly Basis
17 Staff Saving Account 3.00% Quarterly Basis
18 Foreign Employment Saving Account 4.00% Quarterly Basis
19 Remittance Saving Account 4.00% Quarterly Basis
20 Call Account Up to 1.375% Quarterly Basis
Fixed Deposits
S.N. Products Interest Rate (Per Annum) Payment on
1 Individual
a 3 months and below 6 months 2.75% Monthly/Quarterly/At maturity
b 6 months and below 12 months 2.75% Monthly/Quarterly/At maturity
c 1 year and below 2 years 2.75% Monthly/Quarterly/At maturity
d 2 years and below 3 years 3.00% Monthly/Quarterly/At maturity
e 3 years and below 4 Years 3.15% Monthly/Quarterly/At maturity
f 4 years and below 5 Years 3.15% Monthly/Quarterly/At maturity
g 5 years and above 4.28% Monthly/Quarterly/At maturity
h Timrai Lagi 6 months FD 2.75% Monthly/Quarterly/At maturity
i Timrai Lagi 1 year and above FD 2.75% Monthly/Quarterly/At maturity
2 Institutional
a 1 year and below 2 years 2.75% Quarterly/At maturity
b 2 years and upto 3 years 2.75% Quarterly/At maturity
c Above 3 years 3.35% Quarterly/At maturity
RECURRING FIXED DEPOSITS / OTHER FIXED DEPOSITS
a Recurring Deposit 2.75% Quarterly
Loans & Advances
Loans With Floating Interest Rates
S.N. Products Interest Rate (Per Annum) (Base Rate+ Premium )(%)
1 Loan against FD Coupon Rate + 2% or Base Rate + 2% whichever is higher
2 Consortium Loan As per consortium decision
3 Deprived Sector Loan Base Rate + up to 4%
4 All others loans and advances Base Rate + up to 5%
Loans With Fixed Interest Rates for Personal Term Loans*
1 Upto 7 Years 8.99% p.a.
2 More than 7 Years up to 10 Years 9.49% p.a.
3 Above 10 Years 9.99% p.a.
Average Base Rate of Last 3 Months 5.52%
Interest Rate Spread Shrawan 2083 4.00%
* Conditions applied
- For Remittance Fixed Deposit, additional 1% Interest Rate shall be provided
- Premium on interest rates on loans eligible under Green Financing Products shall be less by 0.25% on published interest rates of loan
- Rates other than above shall be in compliance with the provision of Nepal Rastra Bank.
