Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Remittance Savings | Remittance | — | individual | 4.31% |
| Fixed Deposit | Fixed | 2yr+ | individual | 3.91% |
| Fixed Deposit | Fixed | 1yr–23mo | individual | 2.86% |
| Fixed Deposit | Fixed | 3mo–11mo | individual | 2.80% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 2.75% |
| Fixed Deposit | Fixed | 2yr+ | institutional | 2.75% |
| Normal Savings | Normal Savings | — | individual | 2.75% |
| Fixed Deposit | Fixed | 6mo–1yr | institutional | 2.75% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Home Loan (floating, premium over base) | 6.27%–8.27% | 5.27% | +1.00%–3.00% |
| Home Loan (fixed, up to 7 years) | 6.99% (fixed) | 5.27% | — |
| Auto Loan - Private (floating) | 6.77%–8.77% | 5.27% | +1.50%–3.50% |
| Auto Loan (fixed, up to 5 years) | 7.49% (fixed) | 5.27% | — |
| Hire Purchase - Commercial Vehicle | 8.27%–9.27% | 5.27% | +3.00%–4.00% |
| Margin Lending (loan against shares) | 7.52%–9.27% | 5.27% | +2.25%–4.00% |
| Personal Term Loan | 6.77%–8.77% | 5.27% | +1.50%–3.50% |
| Personal Overdraft | 8.27%–9.27% | 5.27% | +3.00%–4.00% |
| Education Loan | 7.77%–9.27% | 5.27% | +2.50%–4.00% |
| MSME/SME Productive (floating) | — | 5.27% | — |
| MSME/SME FWCL (Working Capital) | 6.27%–8.27% | 5.27% | +1.00%–3.00% |
| MSME/SME PWCL/FTL (Term) | 6.77%–8.77% | 5.27% | +1.50%–3.50% |
| SME/MSME (fixed, up to 7 years) | 7.49% (fixed) | 5.27% | — |
| Agriculture Loan | — | 5.27% | — |
| Real Estate Loan | 7.27%–9.27% | 5.27% | +2.00%–4.00% |
| Individual Mortgage / Term Loan (fixed, up to 7 years) | 7.99% (fixed) | 5.27% | — |
| Corporate Loan | — | 5.27% | — |
| Corporate - Others | 6.27%–8.02% | 5.27% | +1.00%–2.75% |
| Loan Against Bank Guarantees | — | 5.27% | — |
Cards
| Card | Network | APR | Annual fee | Grace days |
|---|---|---|---|---|
| Visa Credit Card (Domestic) | visa | 24.00% | Rs 1,000 | — |
| Visa Credit Card (International) | visa | 24.00% | — | — |
| Kumari Fonepay Virtual Credit Card | visa | 24.00% | Rs 750 | — |
Products & Services
Deposits
12Kumari Saving Account
Standard everyday savings account with full digital banking access.
- Minimum balance NPR 1,000
- Free debit card access
- Mobile & internet banking
- Demat & Meroshare facility
- Safe deposit locker service
- Interest paid (rate per rate card)
Kumari Youth Saving Account
Savings account for young customers aged 18-35.
- Eligibility: 18-35 years of age
- Minimum balance NPR 500
- Debit card free 1st year
- Free mobile & internet banking under 35
- NPR 100 cash on mobile banking activation
- 25% discount on outward SWIFT charges
- One free balance certificate per fiscal year
Kumari Twinkle Star Savings
Children's savings account for minors under 18.
- Eligibility: children under 18 only
- Minimum balance NPR 1,000
- Interest accrued on daily balance
- Free cheque book and statements
- Free VISA debit card (Nepal & India)
- Free mobile & internet banking
- Eligible for education loan at 18
50 Plus Savings Account
Savings account designed for senior citizens above 50.
- Eligibility: above 50 years old
- Minimum balance NPR 1,000
- Interest paid on daily balance
- Free Demat & Meroshare 1st year
- 25% discount on locker annual fee
- Debit card, internet & mobile banking
Nagarik Bachat Khata
General-purpose savings account open to all age groups.
- Minimum balance NPR 500
- NPR 1,000 required for cheque book
- Free Demat & Mero Share 1st year
- Mobile & internet banking available
- Open to residents and eligible foreign nationals
- Debit/credit card options
Swastha Jeevan Bachat Khata
Health-focused savings account with hospital discounts and partner network.
- Minimum balance NPR 5,000
- Open to all age groups
- Free ATM withdrawals across Nepal
- 50% security locker margin waiver
- 25% discount on locker annual fee
- Up to 15% off at Medanta Hospital (co-branded card)
- 40+ healthcare partner network
Kumari Remit Premium Saving Account
Savings account for Nepalis abroad sending remittances home.
- Eligibility: individuals residing/working abroad
- Minimum balance NPR 5,000
- Free debit card 1st year
- Free internet & mobile banking 1st year
- Free ATM withdrawals across Nepal
- Accidental/PTD insurance cover NPR 7 lakh
- Special FD rates on remittance credits
Kumari Premium Salary Account
Payroll account for staff of organizations with salary deposits.
- Minimum balance NPR 1,000
- Eligibility: minimum 15 staff from one organization
- Free debit & credit card 1st year
- Free ATM withdrawals nationwide
- Insurance cover up to NPR 7 lakh
- Reverts to regular scheme if salary stops 6 months
Non-Resident Nepali (NRN) Saving Account
Foreign-currency savings account for non-resident Nepalis.
- Currencies: USD, EUR, GBP, AUD, CAD, CNY, YEN
- Minimum balance 1,000 USD
- Debit card and digital banking access
- 50% waiver on locker annual fee
- Digital KYC available
- Transfers via banking channels and SWIFT only
Fixed Deposit Plus
Term deposit with quarterly interest accrual.
- Minimum deposit NPR 10,000
- Tenure 1 year to maximum 5 years
- Interest accrued and posted quarterly
- Principal plus interest paid at maturity
- Access to digital banking and lockers
Recurring Fixed Deposit
Recurring deposit to build savings via regular instalments.
- Minimum NPR 500 or multiples of NPR 500
- Tenure 1 year to maximum 5 years
- Mobile & internet banking access
- Debit/credit card options
Kumari Premium Call Deposit Account
Call deposit account; details not published on product page.
Loans
4Home Loan
Mortgage financing for purchase, construction, or refinancing of residential property.
- Up to 80% of construction cost
- Up to 70% of property valuation
- Tenure up to 30 years
- Flexible repayment options
- Covers purchase, construction, renovation, refinance
- May extend to furnishing/consumer durables
Auto Loan
Vehicle financing for new and used private and commercial vehicles.
- Finances new/used private & commercial vehicles
- Up to 60% of vehicle value
- Covers electric and petrol/diesel vehicles
- Competitive interest rates
- Reduced processing fees
- Requires income docs and tax clearance
Kumari Foneloan
Instant collateral-free digital short-term loan via the mobile app.
- Fully digital, no collateral
- 1-month model: NPR 5,000-100,000
- EMI model: NPR 15,000-200,000
- Tenure 1-30 days or 3/6/9/12 month EMI
- Requires payroll/salary account
- Automatic approval, same-day disbursement
- Prepayment allowed
Kumari Margin Lending
Loan facility for purchasing shares against marketable securities.
- For purchase of marketable securities/shares
- No prior collateral required
- Disbursed within 72 hours
- Nominal processing fee and interest
- Eligibility: applicants up to 70 years
Cards
2Kumari VISA Credit Card
EMV chip-and-PIN VISA credit card usable in Nepal and India.
- EMV chip and PIN based
- Valid for 5 years
- Accepted in Nepal and India
- 3D Secure registration for online shopping
- Easy EMI option on purchases
- Real-time SMS and email alerts
Kumari Sky Club Card (VISA Debit)
VISA debit card linked to Kumari Bank accounts.
Digital & e-services
3Kumari Smart Mobile Banking
Mobile app for banking anytime, anywhere with data connectivity.
- Account details and statements
- Fund transfers within Kumari and to other banks
- Wallet top-up
- Electricity, internet and TV bill payments
- Mobile top-up (NTC & Ncell)
- Airline ticket purchase
- Credit card bill payment
Internet Banking
Web-based banking portal for account access and transactions.
Missed Call Banking
Balance enquiry and basic banking via a missed call.
Remittance
1Kumari Remit
Web-based real-time money transfer service for sending money to Nepal.
- Cash pickup at 20,000+ locations
- Real-time account credit to all Nepali banks
- Generates KRCN control number for payout
- 128-bit SSL secured platform
- Nationwide coverage across cities and villages
- Real-time transaction processing
Other
1Safe Deposit Lockers
Secure safe deposit locker facility for valuables.
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.