Quick answer
Sanima Bank's rates on its rate sheet from 17 Oct 2026 (headed Ashwin 2083): 2.75% on a normal savings account (up to 3.80% on its best-paying one), 2.80% on a one-year FD and 4.50% for above 5 years. Loans are its base rate, 4.60% (from bankbyaj), plus a premium: home loan 6.10–8.10% and personal loan 6.65–8.10%.
Sanima 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
Sanima Bank interest rates at a glance, 1 Kartik 2083
Every figure is from Sanima 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 | Sanima |
|---|---|
| Base rate | 4.60% (bankbyaj) |
| Fixed deposit, 1 year | 2.80% |
| Fixed deposit, highest (above 5 years) | 4.50% |
| Savings, normal | 2.75% |
| Savings, highest | 3.80% |
| Home loan | 6.10–8.10% |
Sanima Bank loan interest rates
Most of Sanima Bank's loans are priced at its base rate, 4.60%, 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 | 6.10–8.10% |
| Personal loan | 6.65–8.10% |
| Auto loan | 6.15–8.10% |
| Education loan | 6.65–8.10% |
| Mortgage loan | 6.15–8.10% |
| Share loan | 5.60–7.60% |
| SME loan | 5.95–7.95% |
Sanima Bank's loan rates as it words them
The premium ranges and any fixed-rate offers, as Sanima Bank prints them:
- Home loan: base rate + 1.50% to 3.50% (eco-home loan 1.00% to 3.00%)
- Personal overdraft: base rate + 2.05% to 3.50%
- Auto loan (other than corporate): base rate + 1.55% to 3.50%
- Education loan: base rate + 2.05% to 3.50%
- Home equity loan: base rate + 1.55% to 3.50%
- Margin lending/loan against share (other): base rate + 1.00% to 3.00%
- SME term loan: base rate + 1.35% to 3.35%
EMI on a Sanima Bank home loan
At the bottom and the top of Sanima Bank's home loan range, 6.10–8.10%, 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.
| Loan | EMI at 6.10% | EMI at 8.10% |
|---|---|---|
| Rs 10,00,000 | Rs 7,222 | Rs 8,427 |
| Rs 25,00,000 | Rs 18,055 | Rs 21,067 |
| Rs 50,00,000 | Rs 36,111 | Rs 42,134 |
How Sanima Bank's rates sit among the 20 banks
Its floating home loan, 6.10–8.10%, 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, 4.60%, against Nepal Rastra Bank's average for commercial banks of 4.70% (mid-September 2026). A one-year FD here pays 2.80% and its best FD 4.50%; 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
Sanima Bank's own rate pages: sanimabank.com/interest-rates, effective 17 Oct 2026 (headed Ashwin 2083). Fixed deposit rates from 1 Kartik 2083 (18 Oct 2026). Sanima's base rate is from bankbyaj; its own site did not show one.
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%
- 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%
- 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 Sanima Bank fixed deposit interest rate in 2083?
From 1 Kartik 2083 (18 Oct 2026), 2.80% for a one-year FD (3 months to 1 year) and 4.50%, its highest individual rate, for above 5 years, as bankbyaj listed them. The bank keeps back 6% of the interest as tax.
What is the Sanima Bank saving account interest rate?
2.75% on a normal savings account, and up to 3.80% on Sanima Super Remittance Saving Account, on its rate sheet from 17 Oct 2026 (headed Ashwin 2083). After the 6% tax, Rs 1 lakh for a year at 2.75% leaves Rs 2,610.
What is the Sanima Bank home loan interest rate?
6.10–8.10% (base rate + 1.50–3.50%), on its rate sheet from 17 Oct 2026 (headed Ashwin 2083). Home loan: base rate + 1.50% to 3.50% (eco-home loan 1.00% to 3.00%).
What are Sanima Bank's other loan interest rates?
Personal loan: 6.65–8.10% (base rate + 2.05–3.50%); Auto loan: 6.15–8.10% (base rate + 1.55–3.50%); Education loan: 6.65–8.10% (base rate + 2.05–3.50%); Share loan: 5.60–7.60% (base rate + 1.00–3.00%). Where you land in a range depends on the premium the bank sets for you.
What is the Sanima Bank base rate?
4.60% (as bankbyaj lists it, 4 Nov 2026); BFIS lists 4.60% for the latest month. Its own site did not show one; this is from bankbyaj and BFIS. 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 Sanima Bank?
Rs 36,111 to Rs 42,134 a month over 20 years across its floating range of 6.10–8.10%, depending on your premium. A floating rate changes as the base rate does.
सानिमा बैंकको ब्याजदर कति छ?
कात्तिक २०८३ मा सानिमा बैंकको सामान्य बचत खातामा २.७५%, एक वर्षे मुद्दती निक्षेपमा २.८०% र सबैभन्दा बढी ४.५०%, घर कर्जा ६.१०–८.१०%। आधार दर ४.६०%।