How often do Nepali banks update their interest rates?

Most commercial banks in Nepal publish updated interest rate schedules every month or when there is a major regulatory or market change. Always check the effective date on the rate list before committing.

What factors should I compare when looking at bank interest rates in Nepal?

When comparing bank interest rates in Nepal, you should consider product type (loan vs deposit), tenure, whether the rate is fixed or floating (for loans), and the effective date of the rate.

Why do deposit rates tend to be higher for longer terms?

Longer-term deposits typically involve a greater commitment of capital for banks, so they offer higher interest rates to compensate for the increased risk and reduced liquidity.

Can I rely solely on a bank’s published rate when choosing?

Published rates are a useful benchmark but you should verify if the rate applies to your specific case (segment, tenure, terms). Always ask the bank for the applicable rate for your individual profile.

What is the “base rate” and how does it influence loan interest in Nepal?

The base rate is the minimum lending rate set by a bank before additional margin. Many Nepali banks use this base rate plus a margin to determine the actual loan interest rate.

नेपाल बैंक ब्याज दर – Compare Interest Rates in Nepal: Base Rates, Loans, and Deposits

Welcome to Bank Rate Nepal, a financial institution providing financial news regarding banks. We provide a portal for the latest bank interest rates in Nepal. Whether you’re looking for home loan interest rates, auto loan rates, fixed deposit rates, savings account interest rates, or remittance account interest rates, we regularly update data from all major Nepali banks and financial institutions through our blog section so you can compare and make informed decisions.

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Frequently Asked Questions

Most commercial banks in Nepal review and publish updated interest rate tables monthly or when required. For example, several banks posted new fixed-deposit rates effective from the 1st of the month, while 14 out of 20 kept rates unchanged for the period of mid-May to mid-June

Compare the product type (loan vs deposit), tenure (short vs long term), whether the rate is fixed or floating (for loans), and the effective date. These help you see which offer is genuinely competitive.

Longer-term deposits involve more risk for banks since funds are locked in, so to compensate they often offer higher interest-rates. For example, term deposits of “5 years and above” may carry noticeably higher rates compared to shorter tenures.

Published rates offer a benchmark, but you should also check the conditions (eligible segment, collateral, tenure), confirm the effective date, and ask the bank if that rate applies to your case. Some “top” and “highest” rates may only apply to special categories.

The base rate is the minimum rate a bank sets before adding margins for loans. Many banks update the base rate monthly (based on a 3-month average) and then calculate their actual lending rates accordingly.