Current interest rates effective from the latest fiscal year
Interest rates are subject to change as per Nepal Rastra Bank directives. Please contact your nearest branch for the most current rates.
| Loan Product | Minimum Rate | Maximum Rate | Remarks |
|---|---|---|---|
| Home Loan | 11.00% | 13.50% | For residential property purchase/construction |
| Business Loan | 12.00% | 15.00% | Working capital and business expansion |
| Agriculture Loan | 9.00% | 12.00% | Subsidized as per NRB directives |
| Micro Enterprise Loan | 11.00% | 14.00% | For small businesses without collateral |
| Vehicle Leasing | 12.50% | 15.50% | Two/four-wheeler vehicles |
| Education Loan | 9.00% | 12.00% | Higher education in Nepal and abroad |
| Green Energy Loan | 7.00% | 10.00% | Solar, biogas, renewable energy |
| Savings Product | Interest Rate | Remarks |
|---|---|---|
| Compulsory Savings | 6.00% - 8.00% | Linked to loan products |
| Voluntary Savings | 5.00% - 7.00% | Flexible savings |
| Children Savings | 7.00% - 9.00% | For members aged below 18 |
| Senior Citizen Savings | 8.00% - 10.00% | For members aged 60+ |
| Group Savings | 6.00% - 8.00% | For self-help groups |
| Tenure | Interest Rate | Remarks |
|---|---|---|
| 3 Months | 9.00% | Quarterly maturity |
| 6 Months | 10.00% | Semi-annual maturity |
| 1 Year | 11.00% | Annual maturity |
| 2 Years | 11.50% | Bi-annual maturity |
| 3 Years | 12.00% | Long-term FD |