The latest NIMB fixed deposit rates update introduces revised returns across savings accounts, fixed deposits, recurring deposit products, and lending facilities. Nepal Investment Mega Bank Limited (NIMB) has adjusted its deposit offerings to provide differentiated returns based on account type, tenure, and customer category while maintaining competitive lending structures across key economic sectors.

Key Overview

• Nepal Investment Mega Bank Limited has published a revised interest rate schedule.
• Individual fixed deposits now earn between 3.00% and 4.50% depending on tenure.
• Remittance-backed fixed deposits offer returns of 4.00% to 5.50%.
• Institutional fixed deposits earn between 2.75% and 3.50%.
• Recurring fixed deposits offer up to 4.00% annually.
• Standard savings accounts yield 2.75% per annum.
• Social Security Savings Accounts offer 3.75%.
• Access to Finance and Janani Janmabhumi accounts provide the highest savings return at 4.75%.
• Foreign currency savings accounts offer returns of up to 1.35%.
• Lending premiums vary by sector, ranging from 1.00% to 3.50% above the base rate.

NIMB Interest Rates Updated for Depositors and Borrowers

The latest revision to NIMB interest rates introduces updated returns for deposit products while outlining lending premiums applicable to key sectors of Nepal’s economy.

Nepal Investment Mega Bank Limited (NIMB) has released a comprehensive schedule covering fixed deposits, savings accounts, recurring deposits, foreign currency products, and commercial lending facilities.

The changes provide customers with a clearer framework for evaluating investment and borrowing options while reflecting current market conditions.

The revised structure offers varying returns depending on account type, investment tenure, funding source, and customer segment.

Longer-term depositors and remittance-backed account holders continue to receive some of the most attractive rates within the bank’s product lineup.

The update also highlights NIMB’s strategy of tailoring products to different customer needs while maintaining lending support across major economic sectors.

NIMB Fixed Deposit Rates Offer Higher Returns for Longer Tenures

The revised NIMB fixed deposit rates structure continues to reward customers who commit funds for extended periods.

For individual fixed deposits, customers investing for one to two years will earn 3.00% per annum.

Deposits held for periods exceeding two years but up to five years will receive 3.25%.

Meanwhile, long-term placements exceeding five years qualify for the highest standard fixed deposit return of 4.50%.

The tiered structure encourages longer-term savings while providing predictable returns for depositors seeking capital preservation and steady income.

The bank has also confirmed that domestic fixed deposits must maintain a minimum tenure of one year to qualify for the published rates.

This requirement aligns with the bank’s broader funding strategy and helps support longer-term balance sheet stability.

NIMB Deposit Rates Reward Remittance-Based Savings

The updated NIMB deposit rates schedule includes premium returns for remittance-backed fixed deposits.

These products are specifically designed for funds received through official foreign employment and remittance channels.

Customers placing remittance-supported deposits for one to two years will earn 4.00% annually.

Returns increase to 4.25% for deposits extending beyond two years up to five years.

For maturities exceeding five years, the yield rises to 5.50%, making it one of the most attractive fixed deposit options available within the revised schedule.

The higher rates reflect the importance of remittance inflows to Nepal’s financial system and encourage formal banking participation among remittance recipients.

The structure also supports the bank’s efforts to attract stable, long-term deposits.

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Fixed Deposit Rates Nepal Market Remain Competitive

The revised schedule contributes to broader trends within the fixed deposit rates Nepal market.

Banks continue adjusting deposit products to balance customer returns with funding requirements and economic conditions.

Institutional depositors at NIMB will receive returns ranging from 2.75% for one- to two-year placements, 3.00% for terms up to five years, and 3.50% for deposits exceeding five years.

The bank also maintains recurring deposit options designed for customers seeking disciplined savings programs.

The recurring fixed deposit product offers 3.50% annually for 13-month commitments and 4.00% for 25-month terms.

These products provide flexibility while encouraging regular savings habits among retail customers.

NIMB Savings Rates Vary by Account Category

The revised NIMB savings rates structure includes several specialized account categories designed to serve different customer groups.

Standard domestic savings accounts continue to offer a baseline return of 2.75% per annum.

Customers using Professional Saving Accounts receive a higher rate of 3.25%.

Social Security Savings Accounts provide an even more attractive return of 3.75%.

The highest domestic savings yields are available through the Access to Finance Program and Janani Janmabhumi Saving Account products, both of which offer 4.75% annually.

The differentiated approach allows the bank to target specific customer segments while supporting financial inclusion initiatives.

Customers can select products based on their savings objectives and eligibility requirements.

Deposit Products Nepal Expand with Foreign Currency Options

The updated deposit products Nepal portfolio also includes foreign currency savings and call account solutions.

For customers holding foreign currencies, returns vary depending on account type and currency denomination.

U.S. dollar savings accounts currently earn 1.25% annually.

Other foreign currency savings accounts offer returns of up to 1.35%.

For call account products, U.S. dollar call accounts provide 2.25%, while other foreign currency call accounts earn up to 1.12%.

Domestic Nepalese rupee call accounts generate returns of up to 0.62%.

These products provide flexibility for customers requiring liquidity while still earning modest returns on account balances.

The structure reflects prevailing conditions within international and domestic money markets.

Bank Interest Rates Nepal Influence Borrowing Costs

The revised schedule also outlines key lending parameters that affect bank interest rates Nepal borrowers face across multiple industries.

NIMB applies sector-specific premium ranges above its base lending rate depending on business activity and risk considerations.

Manufacturing businesses seeking working capital facilities will face premiums ranging from 1.00% to 3.00%.

Wholesale and retail trade enterprises are subject to additional margins of between 1.50% and 3.50%.

Companies operating within service industries and hospitality sectors will also face premium additions ranging from 1.50% to 3.50%.

These pricing structures allow the bank to align lending decisions with sector-specific risk profiles while maintaining support for economic growth and business development.

Lending Strategy Supports Economic Sectors

The revised interest rate framework demonstrates NIMB’s continued support for major sectors of Nepal’s economy.

Manufacturing, commerce, retail trade, hospitality, and services remain important areas of lending activity.

By maintaining transparent lending premiums, the bank provides businesses with greater clarity regarding borrowing costs and financing options.

At the same time, the combination of competitive deposit rates and structured lending policies supports overall balance sheet management.

The revised framework reflects the bank’s effort to balance depositor returns with sustainable lending growth.

Conclusion

The latest NIMB interest rates update introduces revised returns across fixed deposits, savings accounts, recurring deposits, and lending products. Customers can now access differentiated rates based on tenure, account type, and funding source, with remittance-backed fixed deposits offering some of the highest returns at up to 5.50%.

At the same time, NIMB continues supporting economic activity through structured lending programs across manufacturing, trade, and service sectors. The revised schedule provides customers with a broad range of savings and borrowing options while strengthening the bank’s position within Nepal’s financial sector.

FAQs

1. What is the highest fixed deposit rate offered by NIMB?

The highest fixed deposit rate currently available is 5.50% per annum for remittance-backed fixed deposits with maturities exceeding five years. Standard individual fixed deposits offer a maximum return of 4.50% for tenures longer than five years.

2. What is the standard savings account rate at NIMB?

NIMB’s standard domestic savings accounts offer a return of 2.75% per annum. However, specialized savings products such as Social Security Accounts and Janani Janmabhumi Savings Accounts provide higher yields depending on eligibility.

3. Which savings account offers the highest return?

The Access to Finance Program and Janani Janmabhumi Saving Account currently provide the highest domestic savings return at 4.75% per annum. These products are designed to support targeted customer segments and financial inclusion initiatives.

4. How are NIMB lending rates determined?

Lending rates are based on the bank’s base rate plus sector-specific premiums. Manufacturing borrowers face premiums of 1.00% to 3.00%, while trading, commercial, service, and hospitality businesses may incur additional margins ranging from 1.50% to 3.50% depending on risk assessments.

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