Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 2yr+ | individual | 4.75% |
| Fixed Deposit | Fixed | 1yr–2yr | individual | 4.25% |
| Remittance Savings | Remittance | — | individual | 3.80% |
| Fixed Deposit | Fixed | 6mo–1yr | individual | 3.50% |
| Fixed Deposit | Fixed | 3mo–6mo | individual | 3.00% |
| Fixed Deposit | Fixed | 2yr+ | institutional | 2.91% |
| Fixed Deposit | Fixed | 1yr–2yr | institutional | 2.85% |
| Normal Savings | Normal Savings | — | individual | 2.75% |
| Fixed Deposit | Fixed | 6mo–1yr | institutional | 2.75% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Eco Home Loan | 5.97%–7.72% | 4.97% | +1.00%–2.75% |
| Loan Against Shares/Bond Portfolio (Margin Lending) | 5.97%–7.97% | 4.97% | +1.00%–3.00% |
| Large Margin Lending Demand Loan (NPR 20 Crore+) | 5.47%–7.47% | 4.97% | +0.50%–2.50% |
| Loan Against Fixed Deposit | 5.47%–6.97% | 4.97% | +0.50%–2.00% |
| Loan Against Government Securities/Bonds | 4.97%–6.97% | 4.97% | +0.00%–2.00% |
| Smart Loan (Unsecured Personal Loan) | 15.00% (fixed) | 4.97% | — |
| SME Working Capital Loan | 6.07%–8.07% | 4.97% | +1.10%–3.10% |
| SME Term Loan (Working Capital/Fixed Assets) | 6.32%–8.32% | 4.97% | +1.35%–3.35% |
| SME Trust Receipt/LC Loan | 5.47%–7.97% | 4.97% | +0.50%–3.00% |
| Corporate Cash Credit/Working Capital Loan | 5.97%–7.97% | 4.97% | +1.00%–3.00% |
| Corporate Term Loan (Working Capital/Fixed Assets) | 6.22%–8.22% | 4.97% | +1.25%–3.25% |
| Corporate Trust Receipt/Short-term LC Loan | 5.47%–6.97% | 4.97% | +0.50%–2.00% |
| Agriculture & Energy Sector Loan | 5.97%–7.97% | 4.97% | +1.00%–3.00% |
| Agricultural Project Working Capital Loan | 5.22%–7.22% | 4.97% | +0.25%–2.25% |
Cards
| Card | Network | APR | Annual fee | Grace days |
|---|---|---|---|---|
| Sanima USD Credit Card Classic | visa | 24.00% | — | — |
| Sanima Domestic Credit Chip Card Classic | visa | 24.00% | Rs 1,000 | — |
Products & Services
Deposits
13Sanima Super Savings
A premium savings account offering a higher minimum balance and interest.
- Minimum balance NPR 25,000
- Interest 2.80% p.a. (as of Jun 2026)
- Free mobile & internet banking
- Debit card and cheque book facility
Sanima Family Super Savings
A super savings variant designed for families.
Sanima Sulav Saving
A general-purpose interest-bearing savings account for everyday banking.
- Transactional account with free deposits/withdrawals
- No fixed term required
- Interest-bearing savings deposit
- KYC, citizenship/passport/voter ID required to open
Nari Bachat Khata
A women's savings account.
- No minimum balance requirement
- Interest 2.35% p.a. (as of Jun 2026)
- Targeted at women customers
Sanima Recurring Deposit
A scheme to save a fixed amount regularly toward a maturity payout.
- Opened in multiples of NPR 10,000
- Tenure 1 to 5 years
- Auto-debit on customer-selected date
- Interest calculated daily, credited at maturity
- Interest 2.35% p.a. (as of Jun 2026)
Fixed Deposit
A term deposit locking funds for a fixed period at a fixed rate.
Sanima Remittance Savings Account
A savings account tailored for Nepalis in foreign employment and their families.
- Zero minimum balance
- Free mobile/internet banking for first year
- Free fund transfer facility
- Min NPR 500 deposit for cheque book
- Routes remittance through direct banking channel
Sanima Nagarik Bachat Khata
A citizen savings account product.
Sanima Dirghayu Bachat Khata
A savings account aimed at senior citizens.
Sanima Sunaulo Bachat Khata
A savings account product.
Sahaj Bachat Khata
A simplified/basic savings account.
Generation Sanima Savings Account
A savings account targeted at younger generations.
USD / FCY Account
A foreign-currency (USD) denominated account.
Loans
6Home Loan
A loan to buy, build, or renovate residential property.
- Tenure 1 to 25 years
- Processing fee up to 0.75%
- Finances land, house, apartment purchase or construction
- Covers renovation and refurbishment
- Quick processing with simple procedures
Auto Loan
A loan to finance purchase of a private vehicle.
- For purchase of private/personal vehicles
- Quick approval and competitive pricing
- Requires vehicle quotation with price and model
- 6 months bank statement required
Home Equity Loan
A loan against the equity of an owned property.
Personal Loan
A personal-purpose loan for individuals.
Sanima Professional Loan
An uncollateralized loan for salaried professionals like doctors, CAs and architects.
- For professionals with fixed monthly income
- Uncollateralized (no property pledge required)
- Funds equipment, expansion, working capital, training
- Swift execution within days
- PAN and 6-month bank statement required
Education Loan
A loan to finance higher education expenses.
Cards
6Visa Domestic Debit Card
A debit card usable in Nepal and India for ATM and POS transactions.
- Accepted in Nepal and India
- Cash withdrawal at Visa ATMs
- POS payments at Visa merchants
- Free standing instruction facility
- Birthday gift benefit for cardholders
Visa Domestic Credit Card
A domestic Visa credit card for use within Nepal and India.
Sanima Visa Dollar Debit Card
A USD-denominated Visa debit card for international use.
Sanima Visa Dollar Credit Card
A USD-denominated Visa credit card for international transactions.
Sanima Visa Dollar Travel Card
A prepaid USD travel card for use abroad.
Sanima USD eCard
A virtual USD card for online international payments.
Digital & e-services
2Sanima Sajilo e-Banking (Mobile Banking)
The bank's official mobile banking app for banking on the go.
- Fund transfers and bill payments
- Mobile top-up and QR scan-and-pay
- Fonepay network online/retail payments
- eCash (digital cheque) and eVoucher
- Cheque book requests and statement download
- 128-bit SSL encryption
- Fixed deposit management in-app
Internet Banking (i-Banking)
Web-based banking platform for accounts, transfers and payments.
- Fund transfers and bill payments
- Transaction alerts
- QR scan-and-pay via Fonepay
- eCash and appointment scheduling
- 128-bit SSL encryption
Remittance
1International Remittance
Inbound/outbound money transfer services via global and domestic partners.
- Partners include IME, Prabhu, City and Western Union
- Sanima Xpress remittance on mobile banking
- Send and receive through banking channel
Trade Finance
1Trade Finance Services
Letters of credit, guarantees and trade-related banking for businesses.
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.