Bank Interest & Policy Rates

Deposit, lending, base and policy rates published by Nepal Rastra Bank.

Source

As of 18 August, 2026Updated 7 Sept 2026, 07:28

Economy at a glance

Key economic indicators as published on the NRB homepage.

5.75%

Standing Liquidity Facility

144

Total no. of Financial Institutions

105

Licensed BFIs

11,332

Total Branches of BFIs

3.21%

Weighted Average Deposit Rate ('A' class banks)

6.55%

Weighted Average Interest rate on Credit ('A' class banks)

2.75%

Weighted Average Interbank Rate('A' class banks)

5.14%

National Consumer Price Inflation

5.25%

Food and Beverage Inflation

5.08%

Non Food Inflation

13.4%

Broad Money Growth

6.6%

Private Sector Credit Growth

2,363

Remittance Inflow (Rs in Billion)

1,027

Balance of Payment Surplus (Rs in billion)

35.8%

Worker's Remittance in Percent of GDP

3.08%

Annual Average National Consumer Price Inflation

1.04%

Annual Average Food and Beverage Inflation

4.21%

Annual Average Non-Food and Services Inflation

Short-term Deposit Rates

Weighted-average yields on government treasury bills at each tenor.

Bank / Rate	Rate (%)
28 Days	1.43
91 Days	2.25
182 Days	1.65
364 Days	1.95

Tenor range 1.43%–2.25%; the 91-day bill is the market's benchmark for loan pricing.

Policy Rates

The interest-rate corridor: ceiling, policy and floor rates set by NRB.

Bank / Rate	Rate (%)
Policy Rate (Overnight Repo)	4.25
Floor Rate ( Standing Deposit Facility)	2.75
Bank Rate	5.75

SDF 2.75%Policy 4.25%SLF 5.75%

Corridor spread: SDF 2.75% → SLF 5.75% = 3.00 pts

Cheapest base rate 4.42% sits above the NRB policy rate 4.25%.

Bank Rates

Headline averages from the NRB homepage for commercial banks.

Bank / Rate	Deposit	Lending
Commercial Banks (A-class aggregate)	3.21%	6.55%

Interest spread (A-class): 6.55% − 3.21% = 3.34 pts

Base Rates — Commercial Banks

As of August 2026 (Bhadra 2083)

Each bank's base rate — the minimum rate it may charge on floating loans (your loan = base rate + premium).

Lowest: 4.42%Highest: 10.58%10 banks · avg 5.57% · median 5.17%

SCB

4.42%

Global IME

4.75%

Prabhu

5.02%

Siddhartha

5.02%

NMB

5.11%

Kumari

5.17%

Himalayan

5.19%

Nepal SBI

5.21%

Nepal Bank

5.26%

NIC Asia

10.58%

Source: Nepal Rastra Bank. Rates in percent per annum.: Short-term figures are weighted-average T-bill rates. Policy corridor rates from NRB CMFM data feed. Key indicators from NRB homepage. Aggregate deposit/lending from NRB homepage and cmfm lending-rates page. Per-bank base rates compiled monthly from each bank's published rate sheet (cross-checked with NRB disclosures); NRB itself publishes only the commercial-bank aggregate base rate in open HTML.