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Notice regarding Re-KYC Update | Interest Rate Revision Notice | Annual General Meeting Notice

Interest Rates

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 Interest 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 Interest Rates

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

Fixed Deposit Rates

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
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