Nepal Infrastructure Bank Limited (NIFRA) has published its revised interest rates on deposits and loans, effective from October 1, 2026.
Under its Subha Purbadhar Khata long-term deposit scheme, institutional depositors will receive interest rates ranging from 2.75% to 3.25% per annum, while individual depositors will receive 3.25% to 3.75% per annum, depending on the deposit tenure.
For deposits of five years to below seven years, the bank has set interest rates at 2.75% for institutions and 3.25% for individuals.
Similarly, deposits for seven years to below 10 years will earn 3.00% for institutions and 3.50% for individuals. For deposits of 10 years and above, the rates stand at 3.25% for institutions and 3.75% for individuals.
The minimum deposit requirement is NPR 50 million for institutions and NPR 10 million for individuals.
For loans and advances, NIFRA has set different pricing mechanisms depending on the type of facility.
The interest rate on project loans has been fixed at base rate plus up to 3%. The bridge gap loan will carry an interest rate 0.50 percentage point above the project loan rate.
For loans against fixed deposits (FD), the interest rate has been set at coupon rate plus 3%. Meanwhile, the interest rate for consortium loans will be determined as agreed by the consortium.
The bank has stated its base rate at the end of Bhadra 2083 at 6.77%.
Based on the stated base rate, the project loan rate could be up to 9.77% per annum, depending on the premium charged by the bank.
Published by NIFRA on 2083-6-15
