INTEREST RATES
Effective From 1st Shrawan 2083 (17th July 2026)
Deposits
S.N. Products Interest Rate (Per Annum) Payment
1 Normal Saving Account - Quarterly Basis
2 Kamana Sewa Pragati Bachat Khata(Silver) - Quarterly Basis
3 Sabal Nari Bachat Khata - Quarterly Basis
4 Salary Saving Account - Quarterly Basis
5 Shareholder Saving Account २.७५% Quarterly Basis
6 Bal Bachat Khata(Child Saving) - Quarterly Basis
7 Samajik Surakchhya Saving Account - Quarterly Basis
8 Swabhiman Bachat Khata - Quarterly Basis
9 Provident Fund Saving Account - Quarterly Basis
10 Other saving accounts - Quarterly Basis
11 Kamana Sewa Pragati Bachat Khata (Gold) २.८०% Quarterly Basis
12 Timrai Lagi Saving Account २.९०% Quarterly Basis
13 Kamana Sewa Pragati Bachat Khata (Platinum) ३.००% Quarterly Basis
14 Bishista Bachat Khata २.९०% Quarterly Basis
15 KS PMS Saving Account ३.००% Quarterly Basis
16 AlphaGrow Saving Account ४.००% Quarterly Basis
17 Staff Saving Account ३.००% Quarterly Basis
18 Foreign Employment Saving Account ४.००% Quarterly Basis
19 Remittance Saving Account ४.००% Quarterly Basis
20 Call Account Up to १.३७५% Quarterly Basis
Fixed Deposits
S.N. Products Interest Rate (Per Annum) Payment on
1 Individual - Monthly/Quarterly/At maturity
a 3 months and below 6 months २.७५% Monthly/Quarterly/At maturity
b 6 months and below 12 months २.७५% Monthly/Quarterly/At maturity
c 1 year and below 2 years ३.००% Monthly/Quarterly/At maturity
d 2 years and below 3 years ३.१५% Monthly/Quarterly/At maturity
e 3 years and below 4 Years ३.१५% Monthly/Quarterly/At maturity
f 4 years and below 5 Years ४.५९% Monthly/Quarterly/At maturity
g 5 years and above ४.५९% Monthly/Quarterly/At maturity
h Timrai Lagi 6 months FD २.७५% Monthly/Quarterly/At maturity
i Timrai Lagi 1 year and above FD २.७५% Monthly/Quarterly/At maturity
2 Institutional - Quarterly/At maturity
a 1 year and below 2 years २.७५% Quarterly/At maturity
b 2 years and upto 3 years ३.००% Quarterly/At maturity
c Above 3 years ३.५०% Quarterly/At maturity
RECURRING FIXED DEPOSITS / OTHER FIXED DEPOSITS
a Recurring Deposit २.७५% Quarterly
Loans & Advances
Loans With Floating Interest Rates
S.N. Products Interest Rate (Per Annum) (Base Rate+ Premium )(%)
1 Loan against FD Coupon Rate + २% or Base Rate + २% whichever is higher
2 Consortium Loan As per consortium decision
3 Deprived Sector Loan Base Rate + up to ४%
4 All others loans and advances Base Rate + up to ५%
Loans With Fixed Interest Rates for Personal Term Loans*
S.N. Products Interest Rate (Per Annum) (Base Rate+ Premium )(%)
1 Upto 7 Years ८.९९% p.a.
2 More than 7 Years up to 10 Years ९.४९% p.a.
3 Above 10 Years ९.९९% p.a.
Base Rate as of Jestha 2083 ५.६०%
Interest Rate Spread Jestha 2083 ४.००%
Conditions applied:
- For Remittance Fixed Deposit, additional १% Interest Rate shall be provided
- Premium on interest rates of loans eligible under Green Financing Products shall be less by ०.२५% on published interest rates of loan
- Rates other than above shall be in compliance with the provision of Nepal Rastra Bank.
