Effective Date : Shrawan
A. INTEREST RATE ON DEPOSIT PRODUCTS
Saving Deposit (LCY)
NMB Premium Super Talab Khata (For Payroll Account only) 2.75%
NMB General Payroll Account 2.75%
NMB Go-Green Savings Account 2.75%
NMB Jestha Nagarik Bachat Khata 2.75%
NMB Mahila Bachat Khata 2.75%
NMB Karmath Yuva Savings Account 2.75%
NMB Student Savings Account 2.75%
NMB Amulya Bachat Khata 2.75%
Super Talab Khata (For Payroll Account Only) 2.75%
Sabaiko Sahara Bachat (Available for unbanked population, Rs. 100 to deposit from Bank) 2.75%
NMB Jeevan Chakra 2.75%
Social Security Savings (For Social Security Distribution Account Only) 2.75%
NMB Ujyalo Pariwar Bachat Khata 2.75%
NMB Ujyalo Pension Bachat Khata 2.75%
NMB Normal DO Savings 2.75%
Sulav Muddati Retail 2.75%
NMB Digital Banking Savings Account 2.75%
All Other normal Savings Account 2.75%
Pradesh Bachat Khata 2.75%
NMB Janmabhumi Bachat Khata (Remittance) 3.75%
Call Deposit (NPR) Up to 1.375%
Fixed Deposit (NPR)
3 Months to Below 6 Months Individual 2.75% Institution -
6 Months to Below 3 Years Individual 2.75% Institution 2.75%
3 Years to Below 5 Years Individual 3.50% Institution 3.00%
5 Years and Above Individual 4.50% Institution 3.50%
NMB Janmabhumi Muddati Khata (Remittance) Plus 1% on above Individual FD Rates
Note: Interest for Green Call & Green FD shall be as per above normal call, FD rates and their respective tenur
Interest Rate of Foreign Currency Deposits (% p.a.)
Deposits FCY (Individual/ Institution*) Fixed 3 Months and Above Savings Deposit Call De
US Dollar-USD 3.40% 2.00% -
INTEREST RATE ON LOAN PRODUCTS
Effective from Shrawan 1, 2083 (July 17, 2026)
Project Finance
Product Manufacturing Service & Healthcare Tourism & Hospitality
Working Capital-Term 0.50-2.50 0.50-2.50 0.25-2.25
Working Capital-Revolving 0.25-2.25 - -
Working Capital-TR 0.50-2.50 - -
Cash Credit 0.50-2.50 - -
Term 0.50-2.50 - -
Energy Financing
Product Manufacturing Power Generation Trading
Working Capital-Term 1-3 - 1-3
Working Capital-Revolving 1-3 0.25-2.25 1-3
Cash Credit 1-3 0.25-2.25 1-3
Term Loan 1-3 - 1-3
Bridge Gap 1-3 0.50-2.50 -
Term-Hydro - 0.25-2.25 -
Term-Utility Scale Solar - 0.25-2.25 -
Term-Roof Top Solar - 1-3 -
Term-Others 1-3 0.5-2.5 1-3
Agriculture
Product All Sectors
Working Capital-Term 1-3
Working Capital-Revolving 1-3
Cash Credit 1-3
Term Loan 1-3
Corporate-Agriculture 0-2
Retail
Product All Sectors
Housing Up to 30 Mio 0.5-2.5
Housing Above 30 Mio 0.5-2.5
Product Personal Business Public/Commercial
Electric Vehicle 0.5-2.5 0.5-2.5 2-4
ICE Vehicle - 1-3 -
Land Purchase-Up to 10 Mio - 1-3 -
Land Purchase-Above 10 Mio - 2-4 -
Loan Against Property - 2-4 -
Margin Lending - 0.25-2.25 -
NMB Talab Karja - 2-4 -
ग्रेट ब्रिटेन पाउण्ड-GBP 3.00% 2.50%
युरो-EUR 2.00% 1.50%
क्यानेडियन डलर-CAD 2.25% 1.50%
अष्ट्रेलियन डलर-AUD 3.00% 2.00%
जापानी येन-JPY 1.00% 0.50%
चिनियाँ युआन-CNY 1.50% 1.00%
अन्य विदेशी मुद्रा निक्षेप Central Bank rate plus Up to 4% Central Bank rate plus Up to 2.5%
* संस्थागत विदेशी मुद्रा मुद्दती निक्षेपको अवधि छ महिना वा सोभन्दा बढी हुनेछ।
एनएमबि नमस्ते विदेशी मुद्रा मुद्दती निक्षेप (न्यूनतम १ वर्ष) गैर-आवासीय नेपालीका लागि मात्र
अमेरिकी डलर 3.75%
बेलायती पाउण्ड 3.00%
युरो 2.50%
क्यानेडियन डलर 3.00%
अष्ट्रेलियन डलर 3.00%
ख. कर्जा उत्पादनमा ब्याजदर
Premium (%) Over Base Rate
कर्जा उत्पादनहरू उत्पादन सेवा व्यापार
कर्पोरेट
कार्यशील पूँजी-म्यादी 0.50-2.50 0.50-2.50 0.50-2.50
कार्यशील पूँजी-परिक्रामी 0.25-2.25 0.25-2.25 0.25-2.25
कार्यशील पूँजी-TR 0.15-2.15 0.15-2.15 0.15-2.15
नगद कर्जा 0.25-2.25 0.25-2.25 0.25-2.25
म्यादी/भाडा खरीद 0.50-2.50 0.40-2.40 1-3
मध्य-कर्पोरेट
कार्यशील पूँजी-म्यादी 0.5-2.5 0.5-2.5 0.5-2.5
कार्यशील पूँजी-परिक्रामी 0.5-2.5 0.5-2.5 0.5-2.5
कार्यशील पूँजी-TR 0.5-2.5 0.5-2.5 0.5-2.5
नगद कर्जा 0.5-2.5 0.5-2.5 0.5-2.5
म्यादी 0.5-2.5 0.5-2.5 0.5-2.5
साना तथा मझौला उद्यम
कार्यशील पूँजी-म्यादी 1-3 1-3 1-3
कार्यशील पूँजी-परिक्रामी 1-3 1-3 1-3
नगद कर्जा 1-3 1-3 1-3
म्यादी 1-3 1-3 1-3
Personal Overdraft 2.5-4.5
Other Retail Loan 2-4
Education Loan 2.5-4.5
Micro-Finance (Retail & Wholesale) 0-2
Trade Contract Sales-Funded Lines 1-3
Loan Against Government Securities Base Rate or Coupon Rate (whichever is higher) plus up to 2%
Loan Against own FDR -
Loan & Advances- FCY
USD Term Loan/TR Loan Benchmark Rate plus Up to 3%
Fixed Interest Rate Loan Products Interest Rate (% Per Annum)
Project Finance BR+1.50% to 3.5%
Energy Financing BR+1% to 3%
Mid Corporate BR+1.75% to 3.75%
Roof-Top Solar BR+1.25% to 3.25%
Fixed Rate Home Loan
Sulav Ghar Karja - Upto 10 Years Fixed plus Floating 9.99%
Note: Applicable Floating Rate Premium Post Fixed tenure will be 2.99%
Fixed Rate: Other Retail Term Loans
Upto 5 Years 5 to 10 Years Above 10 Years
13.00% 13.50% 14.00%
NMB Sulav Auto Loan electric - Up to 5 Years 8.89%
NMB Sulav Auto Loan electric Above 5 Years to 7 Years 8.99%
Fixed rate-All other loan products BR +3% to 5%
Notes:
- Interest rate for Consortium Loan shall be as per Consortium decision
- Interest rate for Subsidy Loan shall be as per NRB Directive
- Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives.
- Interest rate for environmentally friendly housing (green homes) will be 0.5% lesser.
- Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts if not renewed or restructured
- Benchmark Rate : as per NRB directive
