Interest Rates
Deposit and Lending Interest Rates with effect from February 13, 2026 (Falgun 01, 2082)
| Deposit and Lending Interest Rates with effect from February 13, 2026 (Falgun 01, 2082) | |||
|---|---|---|---|
| Product Rate | Saving Deposit | Interest Rate(% p.a) | Min. Balance |
| Prabhu Foreign Unnati Savings (Remittance) | 4.000% | 0 | |
| Prabhu Unnati Savings (Remittance) | 4.000% | 0 | |
| Prabhu Shramik Bachat Khata | 4.000% | 0 | |
| Prabhu Visista Savings | 3.000% | 0 | |
| Prabhu Shatabdi Savings | 3.000% | 25000.00 | |
| Prabhu Hybrid Savings* | 3.000% | 0 | |
| {{salary-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{no}} | Prabhu Salary Savings | 2.750% | 0 |
| {{special-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{no}} | Prabhu Special Savings | 2.750% | 0 |
| {{foreign-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{yes}} | Prabhu Foreign Savings | 2.750% | 0 |
| {{asirbad-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{no}} | Prabhu Ashirbad Bachat | 2.750% | 0 |
| {{goodluck-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{no}} | Prabhu Goodluck Savings | 2.750% | 0 |
| Prabhu Chetana Bachat Khata | 2.750% | 100.00 | |
| {{welcome-savings}}-{{2.750;2.750;NRs. 0;Quarterly}}-{{yes}} | Prabhu Welcome Savings | 2.750% | 0 |
| Prabhu Muaabja Saving | 2.750% | 0 | |
| {{khutruke-savings}}-{{2.750;2.750;NRs. 1000;Quarterly}}-{{yes}} | Prabhu Khutruke Savings | 2.750% | 100.00 |
| Prabhu Senior Citizens Savings | 2.750% | 100.00 | |
| Prabhu G2P Savings | 2.750% | 0 | |
| {{normal-saving}}-{{2.750;2.750;NRs. 1000;Quarterly}}-{{yes}} | Prabhu Normal Savings | 2.750% | 100.00 |
| Prabhu Online Trading Savings | 2.750% | 0 | |
| Prabhu Student Savings | 2.750% | 100.00 | |
| Prabhu Anudhan Khata | 2.750% | 0 | |
| Prabh Nari Saving | 2.750% | 0 | |
| Prabhu Guest Savings | 2.750% | 100.00 | |
| Prabhu Call Deposits (NPR) | Up to 0.10% | 0 | |
| LCY Fixed Deposit Rates | |
| Institutional | |
| 6 Months to 24 Months | 2.750% |
| Above 24 Months to 5 years | 2.750% |
| Above 5 years to 10 years | 2.750% |
| Above 10 years | 2.750% |
| Individual | |
| 6 Months to 24 Months | 2.750% |
| Above 24 Months to 5 years | 2.750% |
| Above 5 years to 10 years | 2.750% |
| Above 10 years | 4.550% |
| Swarnim Muddati*(For individual only) | |
| Above 5 to 10 years | 2.750% |
| Prabhu Unnati Muddati* (Remittance) | |
| 6 Months to 24 Months | 4.000% |
| Above 24 Months to 5 years | 4.000% |
| Above 5 years to 10 years | 4.000% |
| Above 10 years | 5.550% |
| Prabhu Recurring Fixed Deposit* | |
| 6 Months to 24 Months | 2.750% |
| Above 24 Months to 5 years | 2.750% |
| Above 5 years to 10 years | 2.750% |
| Above 10 years | 2.750% |
| Prabhu Hybrid Bachat Khata(Fixed Deposit) | |
| Above 24 Months to 5 years | 2.750% |
| Above 5 years to 10 years | 2.750% |
| Above 10 years | 2.750% |
| FCY Deposits | |||||
|---|---|---|---|---|---|
| Currencies | Minimum Balance | Saving Deposit | Fixed Deposit 6 Months and Above (Institutional) | Fixed Deposit 3 months and above (Individual) | Call Deposit |
| US Dollar (USD) | 50.00 | 2.70% | 3.60% | 3.60% | 1.350% |
| Euro (EUR) | 50.00 | 1.80% | 2.70% | 2.70% | 0.900% |
| Great Britain Pound (GBP) |
50.00 |
1.80% | 3.15% | 3.15% | 0.900% |
| Australian Dollar (AUD) |
50.00 |
2.25% | 3.15% | 3.15% | 1.125% |
| Japanese Yen (JPY) | 50.00 | 1.35% | 2.03% | 2.03% | 0.675% |
| Chinese Yuan (CNY) | 50.00 | 2.50% | 3.40% | 3.40% | 1.250% |
| Prabhu NRN and Foreign Institutional FCY Deposit Rate | ||||
| (1 Year and Above) | Minimum Balance | Fixed Deposit 1 year and above | Saving Deposits | Foreign Institutional Fixed Deposit 1 year and above |
| USD Dollar (USD) | USD 1,000.00 | 3.60% | 2.70% | 3.60% |
| Euro (EUR) | USD 1,000.00 Equivalent | 2.70% | 1.80% | 2.70% |
| Great Britain Pound (GBP) | 3.15% | 1.80% | 3.15% | |
| Australian Dollor (AUD) | 3.15% | 2.25% | 3.15% | |
| Japanese Yen (JPY) | 2.03% | 1.35% | 2.03% | |
| Chinese Yuan (CNY) | 3.40% | 2.50% | 3.40% | |
| Loan and Advances | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Export Credit | 1.00 | 3.00 |
| Cash/Cash Eqv. Secured | Minimum Premium (% p.a. ) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Against Own FDR/Cash |
Base Rate or Coupon Rate whichever is higher plus 2.00
Base Rate or Coupon Rate whichever is higher plus 2.00 |
|
| Against Govt Bonds | ||
| Corporate/ Multinationals | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Trust Receipt/STL/ Import Loan | 1.000 | 3.000 |
| Demand Loan2.00 | 1.000 | 3.000 |
| Bridge Gap Loan | 1.000 | 3.000 |
| Overdraft/Cash Credit | 1.000 | 3.000 |
| Term Loan | 1.000 | 3.000 |
| Hire Purchase Loan | 1.000 | 3.000 |
| Loan Against Share | 1.000 | 3.000 |
| Prabhu SME Loan | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Trust Receipt/STL/ Import Loan | 2.000 | 4.000 |
| Demand Loan | 2.000 | 4.000 |
| Bridge Gap Loan | 2.000 | 4.000 |
| Overdraft/Cash Credit | 2.000 | 4.000 |
| Term Loan | 2.500 | 4.500 |
| Hire Purchase Loan | 2.000 | 4.000 |
| Loan Against Share | 2..000 | 4.000 |
| Prabhu Sana Byabasaya Karja | 1.300 | 3.30 |
| Microfinance Loan | ||
|---|---|---|
| Direct Lending | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
| Other Deprived Loan | 2.000 | 4.000 |
| Deprived Subsidized Loan | - | 2.000 |
| Indirect/Corporate Lending | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Corporate | - | 2.000 |
| Other Subsidized Loan | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Other Subsidized Loan | - | 2.000 |
| Consumer Loans | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Prabhu Home Loan- Upto Rs. 15 mio** | ||
| Upto 5 Years | 1.000 | 3.000 |
| Above 5 Years - 10 Years | 2.000 | 4.000 |
| Above 10 Years - 15 Years | 2.000 | 4.000 |
| Above 15 Years - 20 Years | 2.000 | 4.000 |
| Above 20 Years - 25 Years | 2.000 | 4.000 |
| Low Cost Housing | 1.000 | 3.000 |
| Education Loan | 1.000 | 3.000 |
| Foneloan*** | Base Rate +7% premium | |
| Prabhu Loan Against Property (PLAP) | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Term Loan | 2.000 | 4.000 |
| Individual Revolving Loan | 2.000 | 4.000 |
| Personal Auto Loan** | Minimum Premium (% p.a.) on Base Rate | Maximum Premium (% p.a.) on Base Rate |
|---|---|---|
| Upto 5 Years | 1.000 | 3.000 |
| Above 5 Years -8 Years | 1.500 | 3.500 |
| Hire Purchase Loan | 2.000 | 4.000 |
| Loan Against Share | 2.000 | 4.000 |
| Real Estate Loan | 2.000 | 4.000 |
| Gold Loan | 2.000 | 4.000 |
| Other Personal Loans | 2.000 | 4.000 |
| Consortium Lending | As per consortium decision | |
| FCY denominated Loan | Negotiable |
| Fixed Lending Rates | Up to 7 Years | Above 7 years |
|---|---|---|
| Home Loan | 8.00% | 8.50% |
| Auto Loan | 8.00% | |
*Condition apply, **Bucket Wise*** Fixed at the time of disbursement
Note:
1. The above interest rates are only indicative and subject to vary staying within the guidelines of NRB.
2. Penal interest of additional 2% p.a. will be applied on the overdue amount or expired loan.
3. Additional 2% premium may be charged incase of watchlist and other degraded account including 3rd party collateral based loans.
4. Bills Under import LC(BLC) and other forced loan will attract additional 2% p.a. on above highest interest premium plus base rate.
5. Interest rates of similar loan products shall be as per NRB guidelines.
6. Interest rate on lending shall be applicable to new loan.
7. Interest rates for the NRB specified sectors/ borrowers shall be applicable as per the NRB Directives.
8. Interest rate on Credit Card is 2.5% p.m. (if applicable).
9. The effective applicable loan interest rate shall be automatically revised with effect from the first day of every month based on the change in the immediate last three months ( Bikram Sambat Calender) average base rate as published by the bank periodically.
