Official sources & comparison checklist
Bank Interest Rates Nepal
Find bank-published schedules and compare the terms that matter for your deposit or loan.
Rate comparison withdrawn: the previous unsourced figures and rankings have been removed. This page does not currently quote bank rates or identify a highest-paying or cheapest bank. Confirm current terms directly with the bank.
Official bank sources
Selected source links, not a complete list or ranking of banks. Links checked 7 November 2026; the rate's effective date is on the bank's own schedule.
Before comparing deposits or loans
- Match the currency and customer category: NPR versus foreign currency, individual versus institutional, and normal versus remittance products.
- Record the exact product, deposit amount, tenure and minimum balance. A special offer may have eligibility conditions.
- Use the schedule's effective date, not just the date you opened the webpage. Save the official notice and confirm it still applies before committing.
- For deposits, compare interest payout or compounding, tax deductions, early withdrawal conditions and renewal terms, not only the headline annual rate.
- For loans, ask whether the rate is fixed or floating, which base rate and premium apply, when it resets, and what fees, insurance and repayment charges may apply.
- Compare written quotations for the same amount and term. Do not treat one bank's product or an old advertised rate as a market-wide comparison.
Understanding a bank's base rate
No. Banks calculate and publish their own base rates under Nepal Rastra Bank's methodology and applicable directives. For a base-rate-linked loan, check the bank's published base rate, the agreed premium and the contract's adjustment terms. A base rate is not a personal loan quote.
Source: NRB Unified Directives 2082, Directive 15, base-rate provisions (printed page 129). Check subsequent amendments and the bank's current terms.Frequently Asked Questions
Why is there no bank-rate ranking here?▼
The previous representative figures did not have sufficient product, source and effective-date information for a reliable current comparison. They have been removed. Use each bank's official schedule and compare matching products.
Does NRB set one base rate for all banks?▼
No. Banks calculate and publish their own base rates under Nepal Rastra Bank's methodology and applicable directives. For a base-rate-linked loan, check the bank's published base rate, the agreed premium and the contract's adjustment terms. A base rate is not a personal loan quote.
Can I compare a remittance FD with a normal individual FD?▼
Check eligibility first. Remittance, institutional and foreign-currency products may have different conditions from a normal individual NPR deposit. Compare the product you actually qualify for over the same tenure.
How do I confirm a rate before opening a deposit or taking a loan?▼
Read the bank's latest official schedule and effective date, then request the product terms and applicable rate from the bank. Confirm fees and conditions in writing before signing. This page is a source guide, not a current-rate feed or a recommendation of a bank.