Base Rate for Jestha 2080: 10.80%

LCY Interest Rate Jestha 2080: 4.20%

Interest Rates

Rate of Interest

(With effect from 17th July, 2025)

Deposit% per annum
Basic Savings
Sunrise Savings2.85%
Wonder Woman Savings2.85%
Sunaulo Bachat2.85%
Samman Bachat2.85%
Special Care Account2.85%
Payroll Savings
Shubha Bachat3.25%
Shakti Bachat3.25%
Premium Savings
Orange Savings Plus4.25%
Sampurna Bachat4.25%
Green Savings4.25%
Suryodaya Savings4.25%
Remittance Savings
Mero Bhumi Bachat5.25%
Interest on all savings accounts will be accrued daily and paid on a quarterly basis.
Deposits% per annum
Call DepositsNegotiable, up to 1.425% p.a. (or as agreed under a separate fixed period contract)
Term DepositsInstitutionsPersonalPersonal-Remittance
3 months - Below 6 months-4.00%5.00%
6 months - Below 1 years3.00%4.25%5.25%
1 year - Below 2 years3.25%4.50%5.50%
2 years - Below 5 years3.75%5.00%6.00%
5 years and above4.50%5.50%6.50%
Recurring Deposits (up to 5 years)-5.00%-
FCY Deposits - per annumSavingsIndividual TermInstitutional Term
USD Saving Deposits2.50%--
USD Term Deposits
     Below 1 year-4.25%3.25%
     1 year - 2 years-4.50%3.50%
     2 years and above-4.75%3.75%
EUR Deposits1.50%3.00%2.00%
GBP Deposits1.50%3.00%2.00%
AUD Deposits1.50%3.00%2.00%
*Term Available : 1-3 years
Minimum Amount USD 1,000 (or equivalent) and higher
NRN Deposit (FCY)% per annum
NRN Term Deposit*
US Dollar (USD)7.5%
NRN Savings
NRN Savings (USD)5.75%

Minimum Amount USD 1,000 (or equivalent) and higher
*Term Available : 1-3 years

Loans and Advances

Applicable Base Rate for Ashad 2082 (3 months Average): 6.52%

Cash Credit% per annum
CorporateBase Rate + 0.5 - 2.5
SMEBase Rate + 1 - 3
Short Term / Export / Working Capital Loans% per annum
CorporateBase Rate + up to 2
SMEBase Rate + 1 - 3
Importer's Loans% per annum
CorporateBase Rate + Up to 2
SMEBase Rate + 1 - 3
Term Loans% per annum
CorporateBase Rate + 1 - 3
SMEBase Rate + 1 - 3
Others Loans% per annum
Auto LoansBase Rate + 1 - 3
Education loansBase Rate + 1 - 3
Home LoansBase Rate + 0.5 - 2.5
Home Equity LoansBase Rate + 1 - 3
Home Equity Revolving Line of CreditBase Rate + 1.5 - 3.5
Sambriddha Laxmi KarjaBase Rate + 1 - 3
Personal LoansBase Rate + 1 - 3
Loans Against GoldBase Rate + 1.5 - 3.5
Loans Against Fixed DepositsHigher of FD + up to 2 or Base Rate + up to 2
Loans Against First Class Bank GuaranteeBase Rate + 0.5 - 2.5
Microfinance LoansBase Rate + up to 2
Agriculture LoansBase Rate + up to 2
Loans Against Marketable Securities incl. Govt. Bonds
CorporateBase Rate + 0.5 - 2.5
SMEBase Rate + 1 - 3

Loans & Advances (NPR) - Fixed Rates %p.a.

Tenure (Years)Home Loan /
Home Equity Loans(%)
Education Loan(%)Auto Loans(%)Auto Loans - EV (%)Lifestyle /
Personal Loans(%)
Term Loans
Up to 15 years7.99 - 11.997.99 - 11.997.99 - 11.997.99 - 11.997.99 - 11.997.99 - 11.99

Fixed Rates for Home Loans, Home Equity Loans, Education Loans, Auto Loans, Personal Loans, and Term Loans for up to 15 years will be 7.99 – 11.99%.

Note

*Interest rate on Call & Saving accounts will be calculated on daily basis and paid quarterly. Interest rate on Fixed deposit can be paid monthly.
*Interest rates on Call accounts are negotiable (Maximum up to 50% of lowest saving rate of respective currency) and subject to change based on market conditions.
Please contact any of our branch for details.
*Average Base Rate (Baisakh, Jestha, Ashad 2082): 6.52% | Base Rate for Ashad 2082: 6.50% | LCY Interest Rate Spread for Ashad 2082: 3.51%

For the previously published Interest Rates, please click here.