Quick answer
NIC Asia Bank's rates on its rate sheet from 18 Oct 2026 (the page header says 1 Ashwin 2083): 2.75% on a normal savings account (up to 4.25% on its best-paying one), 2.75% on a one-year FD and 4.00% for 5 years and above. Its base rate is 5.60%; it lists home loan 6.99% and personal loan 8.49%.
NIC Asia 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
NIC Asia Bank interest rates at a glance, 1 Kartik 2083
Every figure is from NIC Asia 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 | NIC Asia |
|---|---|
| Base rate | 5.60% |
| Fixed deposit, 1 year | 2.75% |
| Fixed deposit, highest (5 years and above) | 4.00% |
| Savings, normal | 2.75% |
| Savings, highest | 4.25% |
| Home loan | 6.99% |
NIC Asia Bank loan interest rates
Most of NIC Asia Bank's loans are priced at its base rate, 5.60%, 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 | 6.99% |
| Personal loan | 8.49% |
| Auto loan | 5.99% |
| Education loan | 6.99% |
| Gold loan | 6.60–8.60% |
NIC Asia Bank's loan rates as it words them
The premium ranges and any fixed-rate offers, as NIC Asia Bank prints them:
- NIC Asia claims secured by personal residential properties (up to 25 years): 6.99%
- Personal loan (up to 5 years): 8.49%
- Auto loan (up to 10 years): 5.99%
- Education loan (up to 20 years): 6.99%
- NIC Asia gold loan: base rate + 1.00% to 3.00%; the table also prints 7.99%
EMI on a NIC Asia Bank home loan
At 6.99%, the one rate NIC Asia 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 7,747 | Rs 8,59,277 |
| Rs 25,00,000 | Rs 19,367 | Rs 21,48,193 |
| Rs 50,00,000 | Rs 38,735 | Rs 42,96,386 |
How NIC Asia Bank's rates sit among the 20 banks
Of the 19 banks that publish a floating home loan rate, the range runs 4.51–9.84% (an average of 5.43–7.65%).
Its base rate, 5.60%, against Nepal Rastra Bank's average for commercial banks of 4.70% (mid-September 2026). A one-year FD here pays 2.75% and its best FD 4.00%; 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
NIC Asia Bank's own rate pages: nicasiabank.com/interest-rates/, effective 18 Oct 2026 (the page header says 1 Ashwin 2083). Fixed deposit rates from 1 Kartik 2083 (18 Oct 2026). NIC Asia publishes one rate per loan, not a range; it may be the lowest or a fixed rate.
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 Bank: FD up to 4.15%, home loan 6.80%
- 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%
- 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 NIC Asia Bank fixed deposit interest rate in 2083?
From 1 Kartik 2083 (18 Oct 2026), 2.75% for a one-year FD (3 months to 2 years) and 4.00%, its highest individual rate, for 5 years and above, as bankbyaj listed them. The bank keeps back 6% of the interest as tax.
What is the NIC Asia Bank saving account interest rate?
2.75% on a normal savings account, and up to 4.25% on Sarbashrestha Remittance Bachat Khata, on its rate sheet from 18 Oct 2026 (the page header says 1 Ashwin 2083). After the 6% tax, Rs 1 lakh for a year at 2.75% leaves Rs 2,610.
What is the NIC Asia Bank home loan interest rate?
6.99% (the one rate it prints), on its rate sheet from 18 Oct 2026 (the page header says 1 Ashwin 2083). NIC Asia claims secured by personal residential properties (up to 25 years): 6.99%.
What are NIC Asia Bank's other loan interest rates?
Personal loan: 8.49% (the one rate it prints); Auto loan: 5.99% (the one rate it prints); Education loan: 6.99% (the one rate it prints); Gold loan: 6.60–8.60% (base rate + 1.00–3.00%). NIC Asia prints one rate per loan, not a range. Where you land in a range depends on the premium the bank sets for you.
What is the NIC Asia Bank base rate?
5.60% (average base rate for Ashwin 2083); the figure for Ashwin 2083 alone was 5.55%. 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 NIC Asia Bank?
Rs 38,735 a month over 20 years at 6.99%, Rs 42,96,386 in interest over the loan. A floating rate changes as the base rate does.
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