Choosing the right bank can make or break your financial plans in 2025. Whether you’re saving for the future or seeking an affordable loan, comparing bank interest rates in Nepal is key to maximizing your money.
Even a small difference in the interest rate can have a big impact on your savings and loan costs in the long run. That's why we've compared the bank interest rates in Nepal for 2025 on savings accounts, fixed deposits, and loans from four major banks: Siddhartha Bank, NIC Asia Bank, Nabil Bank, and Global IME Bank, to help you find the best deals and make informed financial decisions.
In Nepal's dynamic economy, bank interest rates play a pivotal role in shaping your financial decisions, from securing high-yield fixed deposit interest rates to affordable loan options.
A mere 0.5% difference can translate to thousands of rupees in extra savings or costs; for example, on a NPR 1,00,000 fixed deposit over 5 years at 8% vs. 8.5%, you'd earn an additional NPR 2,500 in interest alone.
With increasing competition among banks, savvy Nepalis are searching for the best deals using queries like "interest rate of Global IME Bank," "Nabil Bank fixed deposit interest rate," or "NIC Asia fixed deposit interest rate."
Banks frequently tweak these rates to draw in customers, influenced by factors like Nepal Rastra Bank's policies and market trends. Staying informed ensures you don't miss out, whether you're building an emergency fund or financing a home.
Siddhartha Bank is known for its customer-centric approach and offers competitive rates for both depositors and borrowers. The Siddhartha Bank interest rate for a general savings account is 2.77% per annum, while special accounts like the "SBL Premium Remit Saving Account" offer a higher rate of 4.75%.
The Siddhartha Bank fixed deposit interest rates for individuals range from 3.75% for short-term deposits to 5.50% for terms over two years. The bank also provides various loan options, including fixed-rate home loans starting at 8.99% per annum.
Siddhartha Bank Savings Account Interest Rate
Siddhartha Bank Fixed Deposit Interest Rates
| Tenure | Interest Rate (%) | Minimum Amount |
| 3 to less than 12 Months | 3.75% | NPR 10,000 |
| 1 to 2 Years | 4.50% | NPR 10,000 |
| Above 2 Years | 5.50% | NPR 10,000 |
Siddhartha Bank Loan Interest Rates
NIC Asia Bank offers competitive interest rate options for savers, with a current savings account interest rate of 2.75% to 5.75% per annum, ideal for everyday banking needs.
Meanwhile, the NIC Asia fixed deposit interest rates vary by tenure, offering attractive yields. Loan interest rates start from a base rate of 7.04% plus a premium, around 8.04% to 10.04% for personal loans.
NIC Asia Savings Account Interest Rate
NIC Asia Fixed Deposit Interest Rates
The NIC Asia fixed deposit interest rate remains highly competitive in Nepal's banking sector, with rates reaching up to 6.25% for 5-year deposits. When customers inquire about NIC Asia Bank interest rate options, the fixed deposit offerings often stand out.
| Tenure | Interest Rate (%) | Minimum Amount |
| 3 Months | 3.25% | NPR 10,000 |
| 3 to less than 12 Months | 4.85% | NPR 10,000 |
| 1 Year | 5.25% | NPR 10,000 |
| 12 to 18 Months | 5.50% | NPR 10,000 |
| 18 to 24 Months | 5.75% | NPR 10,000 |
| 24 to 36 Months | 5.76% | NPR 10,000 |
| 36 to less than 60 Months | 5.80% | NPR 10,000 |
| Above 60 Months | 6.25% | NPR 10,000 |
NIC Asia Loan Interest Rates
Nabil Bank offers a range of banking products with competitive interest rates. Their savings account rates start from 2.75%, but special accounts like the "Nabil Premium Remittance Savings Account" can provide up to 5.75% per annum.
Meanwhile, Nabil Bank fixed deposit interest rates are highly competitive, with a 1-year FD offering 4.75% and a 5-year FD providing up to 5.50%. Nabil also offers various loan products, with specific rates determined by their base rate plus a premium..
Nabil Bank Savings Account Interest Rate
Nabil Bank Fixed Deposit Interest Rates
The current Nabil Bank interest rate positioning shows the bank's commitment to maintaining competitive market rates. Nabil Bank’s fixed deposit interest rate structure offers steady returns, making it popular among conservative investors who prioritize stability over maximum returns.
| Tenure | Interest Rate (%) | Minimum Amount |
| 3 to less than 12 Months | 4.75% | NPR 10,000 |
| 1 to 2 Years | 5.00% | NPR 10,000 |
| 2 to 5 Years | 5.25% | NPR 10,000 |
| Above 5 Years | 5.50% | NPR 10,000 |
Nabil Bank Loan Interest Rates
Global IME Bank, with its extensive network, is a popular choice for many. The interest rate of Global IME Bank for savings accounts is designed to cater to a wide range of customers, with a general rate of 2.75%.
For those looking to save for the long term, Global IME Bank fixed deposit interest rates are very attractive, with a 3-year FD offering 5.75% and a 5-year FD at 6.00%. For borrowers, Global IME offers a variety of loans, with rates based on their current base rate and a specific premium.
Global IME Bank Savings Account Interest Rate
Global IME Bank Fixed Deposit Interest Rates
| Tenure | Interest Rate (%) | Minimum Amount |
| 3 to less than 6 Months | 3.75% | NPR 10,000 |
| 6 to less than 12 Months | 4.00% | NPR 10,000 |
| 1 to 2 Years | 5.00% | NPR 10,000 |
| 2 to 3 Years | 5.75% | NPR 10,000 |
| Above 3 Years | 6.00% | NPR 10,000 |
Global IME Bank Loan Interest Rates
Here's a quick comparison of key interest rates across all four banks:
| Bank | Savings Rate | 1-Year FD | 3-Year FD | 5-Year FD |
| NIC Asia | 2.75% - 5.75% | 5.25% | 5.76% | 6.25% |
| Nabil | 2.75% - 5.75% | 4.75% | 5.25% | 5.50% |
| Global IME | 2.75% - 3.75% | 5.00% | 5.75% | 6.00% |
| Siddhartha | 2.77% - 4.75% | 4.50% | 5.50% | 5.50% |
Finding the right bank is about more than just finding the highest number on a list. It's about finding the best fit for your financial lifestyle. So, before you open that account, here are a few things to consider.
Yes, the interest rates are important, but don't stop there. Take a closer look at the full picture. Check for things like the minimum balance requirement to earn that rate, or any monthly average balance you need to maintain. Also, be aware of any penalty charges that might apply if you don't follow the rules. A slightly lower rate with more flexible terms might be better for you in the long run.
What's your main goal?
In today's digital world, a good bank offers more than just a place to keep your money. Look for things that make your life easier:
To make an informed decision without all the hassle, you can use platforms like Saral Banking Sewa, SBS. We not only gather all the necessary information, from interest rates to product features, and present it to you in one easy-to-compare place, but we also provide expert guidance to help you navigate the complexities of banking. This ensures you can confidently choose the right banking product that perfectly aligns with your financial goals.
How easily can you access your bank and its services?
Nobody likes a surprise fee. Before you commit, ask about any potential hidden charges, such as:
By considering all these factors, you can make a well-informed decision and choose a bank that truly works for you.
After comparing the interest rates of Siddhartha, NIC Asia, Nabil, and Global IME banks, it's clear that each institution has its strengths. Siddhartha Bank currently offers the highest savings account rates, while NIC Asia offers the highest FD rates, making them attractive for deposit holders.
Global IME also provides excellent long-term FD rates and competitive loan rates. Nabil Bank offers stability with consistent rates, while Siddhartha Bank also focuses on relationship banking with decent rates.
The best choice depends on your individual financial needs, location, and banking preferences. Remember that interest rates change frequently based on Nepal Rastra Bank policies and market conditions, so always verify current rates before making decisions.
For the most up-to-date interest rates and banking information, visit Saral Banking Sewa regularly, where we keep track of all major banks' rate changes, compare them, and help you make informed financial decisions.
Currently, NIC Asia Bank offers some of the highest FD rates, with up to 6.25% for above 5-year deposits. However, rates change frequently, so it's important to check current offerings.
Banks in Nepal typically review and update their interest rates monthly or quarterly, depending on Nepal Rastra Bank policy changes, liquidity conditions, and market competition.
Yes, you can compare rates through each bank's website, financial comparison platforms like Saral Banking Sewa, and Nepal Rastra Bank's official publications.
Key factors include Nepal Rastra Bank's monetary policy, inflation rates, liquidity in the banking system, competition among banks, and overall economic conditions.
Yes, most banks offer higher interest rates for senior citizens (usually 65+ years) on both savings accounts and fixed deposits, typically 0.5% to 1% higher than regular rates.
For large deposits (usually above NPR 1 million) or if you're a premium customer, some banks may offer slightly better rates than their published rates.
The base rate is the minimum lending rate set by banks, below which they cannot lend. Interest rates for loans are typically based on the base rate plus a margin, while deposit rates are separate.
FD returns can be calculated using the formula: (Principal × Interest Rate × Time Period) / 100. Most banks also offer online calculators for this purpose.
Yes, deposits up to NPR 500,000 per depositor per bank are insured by the Deposit and Credit Guarantee Corporation under Nepal Rastra Bank.
Yes, foreign nationals can open accounts in Nepali banks with proper documentation, but interest rates and terms may vary from those offered to Nepali citizens.
