Quick answer
Nepal Bank's rates on its rate sheet from 1 Kartik 2083 (18 Oct 2026): 2.75% on a normal savings account (up to 3.75% on its best-paying one), 2.76% on a one-year FD and 4.15% for above 10 years. Loans are its base rate, 4.38%, plus a premium: home loan 6.80% and personal loan 6.38–8.38%.
Nepal Bank's interest rates for 1 Kartik 2083: its fixed deposit and saving rates, the base rate its loans are priced on, every loan rate it publishes, and what a home loan costs a month. Read from the bank's own sheet on 5 November 2026.
On this page
Nepal Bank interest rates at a glance, 1 Kartik 2083
Every figure is from Nepal Bank's own published rates, read on 5 November 2026. Rates are a year, before the 6.00% tax the bank keeps from interest it pays you.
| Rate | Nepal Bank |
|---|---|
| Base rate | 4.38% |
| Fixed deposit, 1 year | 2.76% |
| Fixed deposit, highest (above 10 years) | 4.15% |
| Savings, normal | 2.75% |
| Savings, highest | 3.75% |
| Home loan | 6.80% |
Nepal Bank loan interest rates
Most of Nepal Bank's loans are priced at its base rate, 4.38%, plus a premium the bank sets for each borrower inside the range it publishes. The base rate is recalculated every month, so a floating loan's rate moves with it; the premium may not be raised during the loan except as Nepal Rastra Bank's rules allow.
| Loan | Rate a year |
|---|---|
| Home loan | 6.80% |
| Personal loan | 6.38–8.38% |
| Auto loan | 4.87–6.87% |
| Electric vehicle loan | 5.38–6.88% |
| Education loan | 5.88–7.88% |
| Gold loan | 6.88–8.38% |
| Share loan | 5.38–6.88% |
| SME loan | 5.38–7.38% |
Nepal Bank's loan rates as it words them
The premium ranges and any fixed-rate offers, as Nepal Bank prints them:
- Home loan, every term: base rate + 2.42% (Sarba Sulav Aawas Karja 0.50% to 2.00%); fixed 7.99% for 5 years, 8.99% for 10 years
- Personal term loan: base rate + 2.00% to 3.00% up to 10 years, 3.00% to 4.00% above; fixed 8.50% for 5 years, 8.99% for 10 years
- Auto loan, private vehicle: base rate + 0.49% to 2.49% (5 years), 0.75% to 2.49% (7 years); fixed 7.99% for 5 years, 8.50% for 7 years
- Electrical vehicle: base rate + 1.00% to 2.50%; fixed 7.90% for 5 years, 8.50% for 7 years
- Education loan: base rate + 1.50% to 3.00% up to 5 years, 2.00% to 3.50% for 5–15 years; fixed 7.90% for 5 years, 8.50% for 10 years
- Gold and silver loan: base rate + 2.50% to 4.00%
- Margin lending: base rate + 1.00% to 2.50%
- Sajilo Byabasaya Karja: base rate + 1.00% to 3.00%
EMI on a Nepal Bank home loan
At 6.80%, the one rate Nepal Bank prints for a home loan, over 20 years. The monthly instalment changes when a floating rate does.
| Loan | EMI a month | Total interest |
|---|---|---|
| Rs 10,00,000 | Rs 7,633 | Rs 8,32,015 |
| Rs 25,00,000 | Rs 19,083 | Rs 20,80,037 |
| Rs 50,00,000 | Rs 38,167 | Rs 41,60,074 |
How Nepal Bank's rates sit among the 20 banks
Its floating home loan, 6.80%, against 4.51–9.84% across the 19 banks that publish one (an average of 5.43–7.65%). A lower bottom rate matters only if the bank offers it to you: ask for the premium in writing.
Its base rate, 4.38%, against Nepal Rastra Bank's average for commercial banks of 4.70% (mid-September 2026). A one-year FD here pays 2.76% and its best FD 4.15%; the FD calculator has every bank's rate side by side. The full comparison, product by product, is on the bank interest rates page. We are not licensed advisers; this is not a recommendation of any bank.
Where these figures come from
Nepal Bank's own rate pages: nepalbank.com.np/interest-rate/interest-rate-on-loans-advances-floating-rate, effective 1 Kartik 2083 (18 Oct 2026). Fixed deposit rates from 1 Kartik 2083 (18 Oct 2026).
Banks publish new rates each month, usually from the 1st of the Nepali month. Check the bank's sheet, or ask the branch, before you sign.
Other banks' interest rates
- Agricultural Development Bank: FD up to 4.15%, home loan 4.59–7.59%
- Citizens Bank International: FD up to 3.85%, home loan 4.91–7.41%
- Everest Bank: FD up to 3.75%, home loan 5.18–7.18%
- Global IME Bank: FD up to 4.00%, home loan 5.61–7.61%
- Himalayan Bank: FD up to 4.00%, home loan 5.59–9.09%
- Kumari Bank: FD up to 3.40%, home loan 5.83–7.83%
- Laxmi Sunrise Bank: FD up to 4.00%, home loan 5.38–7.38%
- Machhapuchchhre Bank: FD up to 4.50%, home loan 5.42–7.42%
- Nabil Bank: FD up to 3.75%, home loan 4.91–6.91%
- Nepal Investment Mega Bank: FD up to 3.70%, home loan 4.51–6.51%
- Nepal SBI Bank: FD up to 4.00%, home loan 5.58–7.58%
- NIC Asia Bank: FD up to 4.00%, home loan 6.99%
- NMB Bank: FD up to 4.50%, home loan 5.45–7.45%
- Prabhu Bank: FD up to 4.25%, home loan 5.68–8.93%
- Prime Commercial Bank: FD up to 4.00%, home loan 4.84–9.84%
- Rastriya Banijya Bank: FD up to 4.00%, home loan 5.96–6.46%
- Sanima Bank: FD up to 4.50%, home loan 6.10–8.10%
- Siddhartha Bank: FD up to 3.76%, home loan 4.88–7.88%
- Standard Chartered Bank Nepal: FD up to 3.70%, home loan 5.96–7.46%
Common questions
What is the Nepal Bank fixed deposit interest rate in 2083?
From 1 Kartik 2083 (18 Oct 2026), 2.76% for a one-year FD (3 months to 1 year) and 4.15%, its highest individual rate, for above 10 years. The bank keeps back 6% of the interest as tax.
What is the Nepal Bank saving account interest rate?
2.75% on a normal savings account, and up to 3.75% on Remittance Saving Account, on its rate sheet from 1 Kartik 2083 (18 Oct 2026). After the 6% tax, Rs 1 lakh for a year at 2.75% leaves Rs 2,610.
What is the Nepal Bank home loan interest rate?
6.80% (base rate + 2.42%), or fixed at 7.99–8.99%, on its rate sheet from 1 Kartik 2083 (18 Oct 2026). Home loan, every term: base rate + 2.42% (Sarba Sulav Aawas Karja 0.50% to 2.00%); fixed 7.99% for 5 years, 8.99% for 10 years.
What are Nepal Bank's other loan interest rates?
Personal loan: 6.38–8.38% (base rate + 2.00–4.00%), or fixed at 8.50–8.99%; Auto loan: 4.87–6.87% (base rate + 0.49–2.49%), or fixed at 7.99–8.50%; Electric vehicle loan: 5.38–6.88% (base rate + 1.00–2.50%), or fixed at 7.90–8.50%; Education loan: 5.88–7.88% (base rate + 1.50–3.50%), or fixed at 7.90–8.50%; Gold loan: 6.88–8.38% (base rate + 2.50–4.00%); Share loan: 5.38–6.88% (base rate + 1.00–2.50%). Where you land in a range depends on the premium the bank sets for you.
What is the Nepal Bank base rate?
4.38% (average of Shrawan–Ashwin 2083, applicable from Kartik 11); the figure for Ashwin 2083 alone was 4.37%. NRB's average for commercial banks was 4.70% in mid-September 2026. Floating loans move with it each month.
What is the EMI on a Rs 50 lakh home loan from Nepal Bank?
Rs 38,167 a month over 20 years at 6.80%, Rs 41,60,074 in interest over the loan. A floating rate changes as the base rate does.
नेपाल बैंकको ब्याजदर कति छ?
कात्तिक २०८३ मा नेपाल बैंकको सामान्य बचत खातामा २.७५%, एक वर्षे मुद्दती निक्षेपमा २.७६% र सबैभन्दा बढी ४.१५%, घर कर्जा ६.८०%। आधार दर ४.३८%।