Interest Rates
Effective from 17 July, 2026
TYPES OF DEPOSIT PER ANNUM (%)
NPR SAVING
MBL Smart Bachat Khata 2.75%
Ek Byakti Ek Khata Yojana 2.75%
Normal Saving 2.75%
Nari Shakti Bachat Khata 2.75%
Digi Yuva Saving Account 2.75%
Shareholders Saving 2.75%
Samman Bachat Khata 2.75%
BalBalika Bachat Khata 2.75%
MBL Premium Saving Account 2.75%
MBL Retirement Plan Account 2.75%
MBL New Smart Bachat Khata 2.75%
Machhapuchchhre Bachat Khata 2.75%
NRN Saving Account 2.75%
Mero Lagani Bachat Khata 3.00%
M'Smart Bachat Khata 3.00%
Smart Plus Saving Account 3.00%
MBL GRID Savings Account 4.00%
MBL Karmashil Bachat Khata 4.00%
SALARY SCHEME
Salary Management Account 2.75%
MBL Surakshit Talab Khata 2.75%
Special Salary Management Scheme 2.75%
MBL Smart Salary Account 2.75%
MBL New Smart Talab Khata 3.00%
MBL Recurring Deposit
MBL Recurring Deposit (6 months to 5 years) 4.00%
MBL Recurring Deposit (above 5 years to 20 years) 4.00%
LCY Call Deposit Up to 0.25%
FIXED DEPOSITS (LCY)
Tenure Individual/NRN Remittance Institutional
3 months to below 6 months 2.76% - -
6 months to below 3 years 3.00% - -
3 years and above 4.50% - -
FIXED DEPOSITS (LCY)
Tenure Institutional
6 months up to 2 years 2.75%
above 2 years 3.00%
FCY Saving NRN/Remittance Others
US Dollar Saving 3.51% 2.51%
Euro Saving 2.20% 1.00%
GBP Saving 2.20% 1.20%
AUD Saving 2.55% 1.55%
JPY Saving 1.25% 0.25%
CAD Saving 1.75% 0.75%
CNY Saving 1.50% 0.50%
FCY Fixed Deposit NRN/Remittance Others
US Dollar Fixed Deposit 4.26% 3.26%
Euro Fixed Deposit 3.00% 2.00%
GBP Fixed Deposit 3.20% 2.20%
AUD Fixed Deposit 3.55% 2.55%
JPY Fixed Deposit 1.35% 0.35%
CAD Fixed Deposit 2.00% 1.00%
CNY Fixed Deposit 1.50% 0.50%
FCY Call Deposit
US Dollar Call Deposit Up to 1.25%
Euro Call Deposit Up to 0.50%
GBP Call Deposit Up to 0.60%
AUD Call Deposit Up to 0.77%
JPY Call Deposit Up to 0.12%
CAD Call Deposit Up to 0.37%
CNY Call Deposit Up to 0.25%
FCY Recurring Deposit
USD 3.26%
Euro 2.00%
GBP 2.20%
AUD 2.55%
JPY 0.35%
CAD 1.00%
CNY 0.50%
Credit Facilities Premium Rate (% p.a.) on Base Rate
Corporate/Infrastructure/BG Up to 2.00%
(Cash Credit/Demand Loan/Short-Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan/Bridge Gap Loan/Term Loan/Working Capital Term Loan/Retail loan under group)
MSB 0.50% - 2.50%
(Cash Credit/Demand Loan/Short-Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan/Bridge Gap Loan/Term Loan/Working Capital Term Loan/Retail loan under group)
SME 1.00% - 3.00%
(Cash Credit/Demand Loan/Short-Demand Loan/Pledge Loan/Term Loan/Working Capital Term Loan/Retail loan under group)
ESME 1.00% - 3.00%
(Cash Credit/Demand Loan/Short-Demand Loan/Pledge Loan/Term Loan/Retail loan under group)
IT Loan (Up to 10 Million) 1.00% - 3.00%
(Cash Credit/Demand Loan/Short-Demand Loan/Pledge Loan/Term Loan/Hire Purchase Commercial/Project loan/Export Oriented Bills discounting)
Capital Market Loan Up to 2.00%
Margin Lending line of Credit/Proprietary Trading Credit/T+2 Settlement DL/Term Loan/Hire Purchase Loan
Home Loan
Home Loan (up to 20 Million) 0.50% - 2.50%
Home Loan (Above 20 Million) 1.00% - 3.00%
Auto Loan
Auto Loan - Specific 0.50% - 2.50%
Auto Loan - Normal 1.00% - 3.00%
Commercial Vehicle Loan (HP)
Commercial Vehicle Loan (HP) - Specific 0.50% - 2.50%
Commercial Vehicle Loan (HP) - Normal 2.00% - 4.00%
Mortgage Loan
Mortgage Term Loan 1.00% - 3.00%
Mortgage Overdraft Loan 1.00% - 3.00%
Salary Package Loan
Salary Package Loan - Specific 0.00% - 2.00%
Salary Package Loan - Normal 2.00% - 4.00%
MBL Professional Loan
Professional Loan - Specific 1.00% - 3.00%
Professional Loan - Normal 2.00% - 4.00%
Privilege Loan
Privilege Loan - Specific 0.00% - 2.00%
Privilege Loan - Normal 2.00% - 4.00%
Education Loan 1.00% - 3.00%
MBL Smart Loan 15.00%
Loan against Fixed Deposit Receipt (Own) for New Coupon rate on FDR plus up to 2% premium or Base Rate whichever is higher
Securities Loan 0.50% - 2.50%
Loan Against Gold 2.00% - 4.00%
Loan against Government Securities/Bonds 0.00% - 2.00%
Loan against 1st Class Bank Guarantee 0.00% - 2.00%
Loan against FCY Deposit 0.00% - 2.00%
Forced Loan Plus 4%
Deprived Sector Lending
Deprived Sector Loan (Qualifying) 0.00% - 2.00%
Indirect Lending (Wholesale or Institutional)
NRB Directed Sectors Up to 2%
Others 2.00% - 4.00%
Direct Lending
MBL Subsidized Loan 1.50%
Yuba Tatha Sana Byabasai Swarojgar Kosh As per Agreement
Loans under Consortium Financing As per the Consortium Agreement
Home Loan for Earthquake Victims under NRB Refinancing As per NRB Norms
BLB Agent Overdraft Loan 0.00% - 2.00%
Penal Interest on past due loans & expired loan Plus 2.00%
FCY Denominated Loan
USD Trust Receipt Loan Negotiable
Fixed Interest Rate Loan for Individuals
Up to 5 years 5 years to 10 years Above 10 years
Home Loan 7.75% 8.50% 9.50%
Auto Loan / HP Loan 8.00% 9.00% -
Business Term Loan Up to 8.50%
Note:
1. Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, Internal Credit Risk Rating Assessment etc.
2. Interest Rates on loans against NRB Refinance Shall be as per NRB guidelines.
3. Institutional Bidding rate will be as per NRB guidelines for both LCY & FCY.
4. Interest payment will be done on quarterly basis in deposit products.
5. Interest will be due for payment on quarterly/monthly basis based on the nature of the loan.
6. While determining interest rate of loans, Clause 3(7) of E.Pra.Nirdeshan 15 shall be adhered.
