नेपाल इन्भेष्टमेन्ट मेगा बैंकको निक्षेप तथा कर्जाको ब्याजदरNepal Investment Mega Bank's Deposit and Loan Interest Rates

INTEREST RATES ON DEPOSITS AND LOANS & ADVANCES

Effective from 17th July, 2026 (1st Shrawan २०८३)

Deposit Interest Rates

a. NPR Fixed Deposits

Particulars Interest Rate p.a.

Individual Fixed Deposit 1 Year to 2 Years 3.00%

Individual Fixed Deposit Above 2 Years to 5 Years 3.25%

Individual Fixed Deposit Above 5 Years 4.50%

Remittance Fixed Deposit 1 Year to 2 Years 4.00%

Remittance Fixed Deposit Above 2 Years to 5 Years 4.25%

Remittance Fixed Deposit Above 5 Years 5.50%

Institutional Deposit 1 Year to 2 Years 2.75%

Institutional Deposit Above 2 Years to 5 Years 3.00%

Institutional Deposit 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%

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 Shrawan २०८३ as published in previous month and is available in Bank's website.

S.N. Particulars Sectors (Premium Only)

1. Loan Against Pledge of Gold /Silver 2.00% to 4.00%
2. Loan Against 1st Class Guarantee 2.00% to 4.00%
3. Loan Against Life Insurance Policy 2.00% to 4.00%
4. Clean Social Loan 3.00% to 4.00%
5. Education Loan 1.50% to 3.50%
6. Others 4.00%

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 as 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.