Garima Bikas Bank currently offers a 1-year fixed deposit rate of 4.00%, savings up to 3.75%, home loans from 6.26%, and a published base rate of 5.24%. Below is Garima Bikas Bank's full published rate sheet, grouped by product and re-verified each morning against the bank's official schedule.
Garima Bikas Bank — Rate Sheet
Updated Shrawan 6, 2083| Fixed Deposits | |
| 3-Month Fixed Deposit | 2.75% |
| 6-Month Fixed Deposit | 2.75% |
| 1-Year Fixed Deposit | 4.00% |
| 2-Year Fixed Deposit | 3.00% |
| 3-Year Fixed Deposit | 4.59% |
| Institutional FD | 4.00% |
| Savings | |
| Savings Account | 3.75% |
| Premium Savings | 2.75% |
| Salary Savings | 2.75% |
| Loans | |
| Home Loan | 6.26% |
| Vehicle / Auto Loan | 6.26% |
| Education Loan | 6.26% |
| Business Loan | 5.76% |
| Personal Loan | 7.76% |
| Benchmark | |
| Base Rate | 5.24% |
Indicative rates from public bank/NRB data unless marked ✓ Verified. Confirm with Garima Bikas Bank before acting. Not financial advice.
Garima Bikas Bank — FAQ
Garima Bikas Bank currently offers 4.00% on a 1-year fixed deposit, going up to 4.59% on longer tenures. All FD tenures (3-month to 3-year) are listed in the rate table above, updated daily.
Garima Bikas Bank's regular savings account currently pays 3.75% per annum, credited quarterly. Premium savings, salary savings, and shareholder savings rates — where offered — are listed in the table above.
Garima Bikas Bank's home loan interest rate starts from 6.26% per annum (base rate: 5.24%). The actual rate is the base rate plus a product premium set by the bank. Vehicle, education, and business loan rates are also listed in the table above.
Garima Bikas Bank's current base rate is 5.24% — the floor for all its lending products. The effective loan rate is the base rate plus the bank's product-specific premium (spread).
Most Garima Bikas Bank fixed deposit products start with a minimum of NPR 10,000 for individual customers. Institutional FD minimums may be higher. Confirm the exact minimum and available tenures directly with the bank or on their website before depositing.
Garima Bikas Bank's 1-year FD rate of 4.00% can be compared with all other banks at Byajdar's best FD rates page. Commercial banks in Nepal currently offer 1-year FD rates roughly between 3.50% and 6.00%, while development banks and finance companies can be higher.
Garima Bikas Bank, like every bank in Nepal, sets its foreign-exchange rates from the daily Nepal Rastra Bank (NRB) reference rate, adding a small margin for buying and selling. See today's live USD, EUR, GBP, INR, AED, SAR and other currency buying/selling rates on Byajdar's NRB forex page, updated every business day.
Yes — Byajdar refreshes Garima Bikas Bank's rates daily from published bank and Nepal Rastra Bank data. Rates marked ✓ Verified are confirmed directly by the bank. Always confirm the current rate with the bank before depositing or borrowing.