स्ट्यान्डर्ड चार्टर्ड बैंक नेपालको ब्याजदर सूचना, १५ जुन २०२६ देखि लागूStandard Chartered Bank Nepal: Interest Rates Effective June 15, 2026

STANDARD CHARTERED BANK NEPAL LIMITED is pleased to announce that with effect from 15th Jun 2026, the following range of interest rates will prevail.

INTEREST RATES (%P.A.) *

DEPOSIT RATES

SAVINGS DEPOSIT % P.A. MINIMUM BALANCE (IN NPR) ***

Normal Saving Account 2.75 As per Note 2

Access plus Saving Account	2.75	1,000
Kiddy Bank Saving Account	2.75	5,000
Women Savings Account	2.75	25,000
Shareholder Account	2.75	5,000
Senior Citizen Account	2.75	1,000

Payroll Plus Account ** 2.75 -

Amulya Bachat Khata **	2.75	100,000
Special Saving Account**	2.75	300,000
Remittance Saving Account	3.75	10,000

FIXED DEPOSIT:

Individual Normal Remittance

6 months to 5 years 2.75 3.75

Above 5 years 3.95 4.95

Non Individual Normal Remittance

1 year and above** 2.75 -

LENDING RATES

WORKING CAPITAL LOANS % P.A.

Cash Credit Base Rate +	2.00	3.00
Short Term Loan Base Rate +	2.00	2.50
Import loan / LATR Base Rate +	2.00	3.00
Import Invoice Financing (IIF) Base Rate +	2.00	3.00
Bills Purchase/ Credit Bills Negotiated** Base Rate +	1.50	3.00
Export / Preship / Post Shipment Loan Base Rate +	2.00	2.50
Vendor Pre-pay (Receivable Purchase) Base Rate +	2.00	3.00
Working Capital Loans under SSL Base Rate +	1.00	2.50
Small Business Loan (Secured)** Base Rate +	2.00	3.00
Small Business Loan under SSL (Secured)** Base Rate +	1.00	3.00

TERM LOANS % P.A.

Variable Rate Base Rate +	2.00	3.50
Variable Rate- Small Business Loan (Secured)** Base Rate +	1.50	3.00

Fixed rate (upto 5 years) 7.00

Fixed rate (upto 7 years) 7.50

Fixed rate (upto 10 yrs) 8.00

TERM LOANS- Specified Sector Lending % P.A.

Variable Rate Base Rate +	1.00	2.50
Variable Rate- Small Business Loan Base Rate +	1.00	2.50

CALL DEPOSIT: Up to 1.00

BUSINESS PLUS ACCOUNT ** (Under Sweep Call Facility for SME Segment only): 0.25-1.00

MONEY MAXIMIZER ** (Under Call Deposit Account for Individuals Only): 1.00

FCY SAVING ACCOUNT:

USD 0.25

GBP 0.25

FCY FIXED DEPOSITS:

USD (Upto 1 yr) Linked to international benchmark rates.

GBP (Upto 1 yr) Linked to international benchmark rates.

Other Currencies Linked to international benchmark rates.

Variable Rate- Small Business Loan (Secured)** Base Rate + 1.00 to 2.50

Fixed rate (upto 5 years) 6.50

Fixed rate (upto 7 years) 7.00

Fixed rate (upto 10 yrs) 7.50

Loan against Own Fixed Deposit Higher of Base Rate+2.00 or Coupon Rate+2.00

LCY loan Against FCY Deposit with us** Base Rate + 2.00

Loan against Fixed Deposit of Other Banks Higher of Base Rate+4.00 or Coupon Rate

Loan Against SBLC/Bank Guarantee/ Government Bonds Base Rate +	2.00	2.50
Loans to Multinational Companies** Base Rate +	2.00	2.50

Deprived Sector Loans / MCMSE as prescribed by NRB Base Rate + upto 2.00

HOME LOAN

VARIABLE RATE Base Rate + 2.00 to 3.50

FIXED RATE (upto 10 yrs) 8.50

FIXED RATE (above 10 yrs) 8.75

PERSONAL LOAN

VARIABLE RATE Base Rate + 4.00 to 4.50

FIXED RATE (upto 5 yrs) 9.25

USD DENOMINATED FCY LOANS as per NRB regulation

* Rates are indicative ** Conditions Apply *** Account Balance in excess of the indicated minimum balance shall only be available for withdrawal

Notes:

1. Interest rates on consortium lending will be as per the decision of consortium subject to applicable base rate of this bank.

1. Minimum balance for Normal Savings account: NPR 10,000 for Biratnagar, Pokhara, Narayangarh, Birgunj and all Kathmandu Valley Branches. NPR 5,000 for all other outside Kathmandu Valley Branches.
2. All applicable interest rates shall be in accordance with NRB directives.
3. SSL refers to loans under Specified Sector Lending as per NRB Directives.

5. Special limited period offer on mortgage loans at the fixed interest rate of 5.99% for first 7 years and Base Rate + 1.5% premium thereafter shall be applicable.**

Base Rate as of Baisakh 2083 : 4.23%

Average Base rate of Falgun 2082, Chaitra 2082 and Baisakh 2083: 4.29%

Net Interest Spread as of Baisakh 2083 : 3.88%