Are you looking for??

Quick Links

Interest Rate

Effective From Kartik 01, 2083 (October 18, 2026)

1. Interest Rates on Deposits
S.No. Deposit Type Minimum Balance Rate Per Annum

1.1 Saving Deposit
1.1 Normal Saving 500.00 2.75%
1.2 NBL Diamond Saving 500.00 2.75%
1.3 Women Special Saving 500.00 2.75%
1.4 Yuva Bachat Khata 0.00 2.75%
1.5 Santati Saving Account 0.00 2.75%
1.6 NBL Staff Pension Saving 0.00 2.75%
1.7 Remittance Saving Account 0.00 3.75%
1.8 Investor's Saving Account 0.00 2.75%
1.9 Senior Citizens Special Saving 500.00 2.75%
1.10 Professional's Saving 500.00 2.75%
1.11 Social Security Saving Account 0.00 2.75% or Negotiable
1.12 Pension Payment Saving Account 0.00 2.75%
1.13 NBL Special Saving 1,000.00 2.75%
1.29 NBL Remittance IPO Saving 0 3.75%
1.14 Earthquake Relief Saving 0.00 2.75%
1.27 NBL Sahayatri Bachat Khata 500.00 2.75%
1.15 TU Pension Saving 0.00 2.75%
1.26 NBL Shubha Gyan Bachat Khata 0.00 2.75%
1.30 NBL Ex-staff Saving Account 0 2.75%
1.16 NBL Staff Salary Saving 0.00 2.75%
1.17 Staff Salary Saving Account 0.00 2.75%
1.18 Nari Samman Bachat Khata 10,000.00 2.75%
1.19 Sambandha Bachat Khata 0.00 2.75%
1.20 Nagarik Batchat Khata 1,000.00 2.75%
1.21 Samriddha Nepal Abhiyan Bachat Khata 0.00 2.75%
1.22 Green Saving Deposit 1,000.00 2.75%
1.23 Chhori (Beti) Kalyan Bachat Khata 5,000.00 2.75%
1.24 Chhori Surakshya Bachat Khata Renamed as Chhora Chhori Surakshya Bachat Khata 0.00 2.75%
1.25 Balbalika Bachat Khata 0.00 2.75%
1.28 NBL Pioneer Saving Deposit Account 10,000.00 2.75%

1.2 Fixed Deposit
2.1 Individual and Institutional Fixed Deposit
2.1.1 Individual Fixed Deposit 3 Months to 1 Year 25000 2.76%
2.1.2 Institutional Fixed Deposit (6 Months to 1 Year) 25000 2.75%
2.1.3 Individual Fixed Deposit (Above 1 Years- Upto 2 Years) 25000 3.00%
2.1.4 Individual Fixed Deposit (Above 2 year Upto 5 Years) 25000 3.30%
2.1.5 Institutional Fixed Deposit (Above 1 year Upto 2 Year) 25000 2.75%
2.1.6 Institutional Fixed Deposit (Above 2 years Upto 4 Years) 25,000 2.80%
2.2.3 Remittance Fixed Deposit (Above 2 years Upto 5 Years) 5000 4.30%
2.2.4 Remittance Fixed Deposit (Above 5 Years Upto 10 Years) 5000 4.75%
2.1.8 Individual Fixed Deposit (Above 5 Years Upto 10 Years) 25,000 3.75%
2.2 Remittance Fixed Deposit 5000
2.2.1 Remittance Fixed Deposit 3 Months 1 year 5000 3.76%
2.2.2 Remittance Fixed Deposit (Above 1 years Up To 2 years) 5000 4.00%
2.1.7 Institutional Fixed Deposit Above 4 years Upto 10 years 25000 3.00%
2.1.10 Insitutional FD Above 10 Y 25000 3.50%
2.1.5 Individual FD Above 10 Y 25000 4.15%
2.2.5 Remittance Individual FD Above 10 Y 5000 5.15%

1.3 Recurring Deposit
3.1 Recurring Deposit 1,000.00 2.76%
3.2 Samriddha Nari Recurring Deposit 25,000.00 2.76%

1.4 Employee Welfare Account
4.1 Employee Welfare Account 0.00 2.75%

1.5 Akchaya Kosh
5.1 Akshaya Kosh 25,000.00 2.75% or Negotiable

1.6 NBL Trust Fund
6.1 NBL Trust Fund 0.00 2.75%

1.7 Call Deposits
7.1 Normal Call Deposits 100,000.00 0.20%

1.8 FCY Saving Deposit
8.1 USD 100.00 2.75%
8.2 EURO 100.00 1.00%
8.3 GBP 100.00 1.50%
8.4 JPY 100.00 0.50%

1.9 FCY Call Deposits
9.1 USD 100.00 1.25%

1.10 FCY Fixed Deposit
10.1 USD 500.00 3.25%

1.11 NRN Saving Deposit
11.1 USD USD 1,000.00 2.75%
11.2 GBP GBP 900.00 1.50%
11.3 AUD AUD 1,600.00 2.00%

1.12 NRN Fixed Deposit
12.1 USD USD 1,000.00 3.25%
12.2 GBP GBP 900.00 3.25%
12.3 AUD AUD 1,600.00 3.25%
1. Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1.1 Export Finance
1.1 Pre /Post Shipment (NPR) BR+0.50 to 2.00
1.2 Post Shipment & Pre-Shipment (USD) SOFR + Upto 1.75%
1.3 Loan against Bills collection BR+0.50 to 2.00%

1.2 Import Finance
2.1 Trust Receipt (NPR)-Industrial BR+0.25 to 2.00
2.2 Trust Receipt (NPR)-Commercial BR +0.50 to 2.25
2.3 Trust Receipt (USD) SOFR + Up to 2.00%

1.3 Business Term Loan
3.1 Industrial Term Loan BR+0.75 to 2.75
3.2 Commercial Term Loan BR+1.50 to 3.25
3.3 Real Estate - Housing Plan BR+1.75 to 2.75
3.4 Real Estate - Commercial Complex BR+1.00 to 2.75
3.5 Hire Purchase loan BR+1.00 to 3.00

1.4 Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/Revolving WC/Contract Loan)
4.1 Industrial Working Capital BR+0.25 to 2.25
4.2 Commercial Working Capital BR+0.50 to 2.25
4.3 NBL Permanent WC Loan BR+0.25 to 2.25

1.5 Special SME Loans
5.1 Mortgage Loan BR+2.50 to 4.50
5.2 Sajilo Byabasaya Karja BR+1.00 to 3.00
5.3 Sambriddha Byabasaya Karja
5.3.1 Sambriddha Byabasaya Karja Term BR+1.25 to 3.25
5.3.2 Sambriddha Byabasaya Karja WC BR+0.50 to 2.50
5.4 Laghu Udhyam Karja BR+0.75 to 2.75
5.5 Anniversary Business Loan BR+1.00 to 3.00
5.6 85th Anniversary Business Loan BR+0.75 to 2.50

1.6 Deprived Sector Loan
6.1 Individual BR+ Up to 2.00
6.2 Institutional (Wholesale) - Revolving BR+ Up to 2.00
6.3 Institutional (Wholesale) - Term loan BR+ Up to 2.00
6.4 Institutional (Retail) - Revolving BR+ Up to 2.00
6.5 Institutional (Retail) -Term Loan BR+ Up to 2.00

1.7 Agriculture Loan
7.1 Agriculture Loan BR+ Upto 2.00

1.8 Other Loans
8.1 Gold and Silver Loan BR+ 2.50 to 4.00
8.2 Loan against first class bank guarantee BR+2.00 to 3.00
8.3 Loan against FD receipt Coupon Rate + 2.00
8.4 Loan against Govt. Securities Coupon Rate + 1.00 or 1 year Fixed Deposit rate, whichever is higher
8.5 Sahuliyatpurna Karja BR+ Upto 2.00
8.6 Entrepreneurship Term Loan -Lumbini Province As per MOU
8.7 NBL Com. agri. & Livestock Term Loan - Karnali Province BR+ Upto 2.00
8.8 NBL Com. agri. & Livestock WC - Karnali Province BR+ Upto 2.00
8.9 NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province BR+ 1.00 to 3.00

1.9 Retail Loans
9.1 Auto Loan
9.1.1 Private vehicle 5 years term BR+0.49 to 2.49
9.1.2 Private vehicle 7 years term BR+0.75 to 2.49
9.1.3 Private vehicle business use 5 years term BR+0.49
9.1.4 Commercial vehicle 3-5 years term BR+1.50 to 2.49
9.1.5 Nepalaxmi Auto Loan(Product is Suspended) BR+3.00 to 3.50
9.1.6 NBL Professional Auto Loan BR+0.50 to 2.50
9.1.7 Electrical Vehicle BR+1.00 to 2.50
9.2 Home Loan
9.2.1 5 years term BR+2.42
9.2.2 10 years term BR+ 2.42
9.2.3 Above 10 Years Term BR+ 2.42
9.2.4 Professional Home Loan BR+ 2.42
9.2.5 Nepalaxmi Home Loan BR+ 2.42
9.3 Shulav Aawas Karja
9.3.1 Above 5 years term Upto 10 Years Term BR+ 1.00
9.3.2 Above 10 years term Upto 15 years Term BR+1.50
9.3.3 Above 15 years Upto 20 Years term BR+2.00
9.4 Sharba Shulav Aawas Karja
9.4.1 Upto 5 Years BR+0.50
9.4.2 Above 5 Upto 15 Years BR+1.00
9.4.3 Above 15 TO 20 Years BR+1.50
9.4.4 Above 20 to 25 Years BR+2.00
9.5 Personal Term Loan
9.5.1 Upto 10 years term BR+2.00 to 3.00
9.5.2 Above 10 Years Term BR+3.00 to 4.00
9.6 Personal Overdraft
9.6.1 POD - Professional BR+2.00 to 3.50
9.6.2 POD - Others BR+2.00 to 3.50
9.7 NBL Professional Loan
9.7.1 Overdraft BR+2.00 to 3.50
9.7.2 Term Loan BR+2.50 to 3.50
9.8 Education Loan
9.8.1 Upto 5 years term BR+1.50 to 3.00
9.8.2 Above 5Years Upto 15 years term BR+2.00 to 3.50
9.9 Margin Lending BR+1.00 to 2.50
9.10 NBL Flexi Loan
9.10.1 Flexi Term Loan BR+2.50 to 3.50
9.10.2 Flexi Overdraft BR+3.00 to 3.50
9.11 Sewagrahi Karja BR+2.00 to 4.00
9.12 Ghaderi Karja BR+1.00to 2.00
9.13 NBL Pensioner Loan BR+3.00 to 4.00
9.14 NBL FoneLoan BR +4.50
2. Interest Rate on Loans & Advances (Fixed Rate)
S.No. Loan Heading Rate Per Annum
12. Ghaderi Karja 8.5 for 5 Years || 8.99 for 10 Years
11. Sewagrahai Karja 9.99 for 5 Years
10. Education Loan 7.90 for 5 Years || 8.50 for 10 Years
9. NBL Flexi Loan 9.99 for 5 Years || 9.99 for 10 Years
8. NBL professional Term Loan 7.90 for 5 Years || 8.50 for 10 Years
7. Personal Term Loan 8.5 for 5 Years || 8.99 for 10 Years
6. Electrical vehicle Loan 7.90 for 5 Years || 8.50 for 7 Years
5. Nepalaxmi/Professional Auto Loan 7.90 for 5 Years || 8.50 for 7 Years
4. Auto Loan 7.99 for 5 Years || 8.50 for 7 Years
3. Shulabh Aawas Karja 5.99 for 5 Years || 8 for 10 Years
2. Nepalaxmi/Professional Home Loan 7.99 for 5 Years || 8.99 for 10 Years
1. Home Loan 7.99 for 5 Years || 8.99 for 10 Years

Other Interest Rate