Prime Commercial Bank interest rates, Kartik 2083: fixed deposit, saving and loan rates

Every figure is from Prime Commercial Bank's own published rates where it publishes them; where it does not, from bankbyaj, which is marked, read on 5 November 2026. Rates are a year, before the 6.00% tax the bank keeps from interest it pays you.

Most of Prime Commercial Bank's loans are priced at its base rate, 4.84%, 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.

The premium ranges and any fixed-rate offers, as Prime Commercial Bank prints them (from bankbyaj):

• Home loan: base rate + up to 5.00%; fixed 7.50–9.50%
• Personal loan: base rate + up to 5.00%; fixed 7.50–9.50%
• Auto loan: base rate + up to 5.00%; fixed 7.50–9.50%
• Education loan: base rate + up to 5.00%
• Loan against gold and silver: base rate + up to 5.00%
• Loan against share: base rate + up to 5.00%

At the bottom and the top of Prime Commercial Bank's home loan range, 4.84–9.84%, over 20 years. Where you land depends on the premium the bank sets for you; the instalment changes when the base rate does. The EMI calculator works any amount, rate and term.

Its floating home loan, 4.84–9.84%, 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, 4.84%, against Nepal Rastra Bank's average for commercial banks of 4.70% (mid-September 2026). A one-year FD here pays 2.90% 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.

Prime Commercial Bank's rates as bankbyaj listed them on 4 November 2026: bankbyaj.com/detail/home-loan-nepali-banks, effective bankbyaj, updated 4 Nov 2026. Fixed deposit rates from 1 Kartik 2083 (18 Oct 2026). Prime's rates are from bankbyaj, a rate-listing site: its own site would not show them to a script.

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.

• 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%
• 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%
• 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%