नेपाल इन्भेष्टमेन्ट मेगा बैंकको निक्षेप र कर्जाको ब्याजदरNepal Investment Mega Bank Deposit and Loan Interest Rates

INTEREST RATES ON DEPOSITS AND LOANS & ADVANCES

Effective from 15th June, 2026 (1st Ashad 2083)

Deposit Interest Rates

a. NPR Fixed Deposits

Particulars Interest Rate p.a.

Individual Fixed Deposit

1 Year to 2 Years 3.00%

Above 2 Years to 5 Years 3.25%

Above 5 Years 4.50%

Remittance Fixed Deposit

1 Year to 2 Years 4.00%

Above 2 Years to 5 Years 4.25%

Above 5 Years 5.50%

Institutional Deposit

1 Year to 2 Years 2.75%

Above 2 Years to 5 Years 3.00%

Above 5 Years 3.50%

b. NPR Recurring Fixed Deposits

Particulars Interest Rate p.a.

13 Months 3.50%

25 Months 4.00%

c. FCY Fixed Deposits

Particulars Interest Rate p.a.

FCY Fixed Deposit (USD)-Individual 2.75%

FCY Fixed Deposit (USD)-Institutional 3.25%

FCY Fixed Deposit Others 1.75%

d. NPR Saving Deposits

Afmai Bachat Khata 2.75%

Keta Keti Bachat Khata 2.75%

Karmachari Bachat Khata 2.75%

EZEE Saving 2.75%

Surakshya Bachat Khata 2.75%

EZEE Student 2.75%

Lotus Saving Account 2.75%

Locker Account 2.75%

Savings Bonanza 2.75%

Saving Branchless Banking 2.75%

Social Security Account 2.75%

Access to Finance Program 2.75%

Retirement Fund Account 2.75%

Shrijansil Nari Bachat Khata 2.75%

Swabhiman Bachat Khata 2.75%

Triple Benefit Plus Saving Account 2.75%

Chhoriko Surakshya Bachat Khata 2.75%

Janasewak Saving Account 2.75%

Ek Se Ek Saving Account 2.75%

Prabardhak Bachat Khata 2.75%

Shareholder Savings Account 2.75%

Professional Saving Account 3.25%

NIMB Green Future Saving Account 3.75%

Prithvi Remittance Account 4.75%

Janani Janmabhumi Saving Account 4.75%

Particulars Interest Rate p.a.

NPR Call Account Up to 1.35%

FCY Others Saving 1.25%

USD Saving 2.25%

USD Call Account Up to 1.12%

FCY Others Call Account Up to 0.62%

Lending Interest Rates

Premium rates on Loans and Advances other than below shall remain same for the month of Ashad 2083 as published in previous month and is available in Bank's website.

S N Particulars Sectors (Premium Only)

Manufacturing Trading Service

A. Short Term Loans

1. Working Capital Loan Deal Basis 1.00% to 3.00% 1.50% to 3.50% 1.50% to 3.50%

Notes:

- Interest Rate for Akshyakosh shall be decided as per mutual consent between Bank and the client.

- Interest rate on Remittance Fixed Deposit including renewal shall be applicable only for funds received from abroad with legitimate source.

- Interest rate on loans and advances shall be average base rate plus applicable premium rate.

- Interest rate as per special agreement shall be applicable till the expiry of such agreement.

- Penal interest of 2% p.a. shall be applied on the expired/overdue loan.

- Rate on subsidized loan shall be BR+1.50% premium p.a. or as guided by NRB.

- Rate on consortium financing shall be decided by the consortium meeting. However, rate shall not be less than base rate of the Bank.

- Tenure of NPR Fixed Deposit shall be minimum of one year.

- The gap of interest rate on loan and advances of same nature shall be maintained as per regulatory requirements.