Interest Rates:

Saving Deposits (बचत निक्षेप):

There are several saving deposit schemes. For deposit accounts, the interest rate is up to 8.50 percent per year. For Excel Remit Khata the interest rate is 8.50% per year. Nepalese citizens who have been working/living abroad, his/her wife, husband and other family members are eligible to avail this product.

EDBL has recently launched two new products for deposits on September 23, 2021: Excel Premium Saving Account and Excel Corporate Premium Fixed Deposit. For Excel Premium Saving Account, interest rate of 7.50% p.a. shall be provided & account can be opened with minimum balance of Rs.1000.00.

Fixed Deposits (मुद्दति निक्षेप):

There are several fixed deposit schemes. For fixed deposit accounts, the interest rate is up to 10.50 percent per year. Interest rate @ 9.50% p.a. shall be provided & Minimum Balance is Rs. 5,00,000.00 (Rupees Five Lakhs only) for Excel Corporate Premium Fixed Deposit.

Recurring Deposits (क्रमिक बचत निक्षेप):

For recurring deposit accounts, the interest rate is up to 8.50 percent per year.

Loan Schemes (कर्जा योजना):

The loan is provided for almost all fields. For loan accounts, the interest rate is up to +7 percent Premium Rate.

The Average Base Rate of the Last Quarter End (Aswin Quarter End 2078)  is 7.66%.

For More Details, please click here

Debit Card Fee:

The Debit card is charged @ Nrs. 300 per year.

Excel VISA Debit Card Transaction Fee:

The Excel VISA Debit card can be used for withdrawal and purchase purpose inside Nepal, India and Bhutan with certain charges. The charges are as follows:

Particulars Amount (NRS)
Issuance Fee Nil
Annual Fee 300.00
Replacement/Re-issue 300.00
PIN Re-Generation 100.00
Top-up (Prepaid Reload Fee) Nil
Cash Withdrawal – ONUS Nil
Balance Enquiry – ONUS Nil
Mini Statement – ONUS Nil
Fund Transfer – ONUS Nil
Utility Payment – ONUS Nil
Cash Withdrawal – Within NEPS Member* 0.00
Balance Enquiry – Within NEPS Member* 5.00
Mini Statement – Within NEPS Member* 5.00
Fund Transfer – Within NEPS Member* Nil
Cash Withdrawal – Visa Terminals in Nepal 0.00
Balance Enquiry – Visa Terminals in Nepal 20.00
Cash Withdrawal – Visa Terminals outside Nepal 250.00
Balance Enquiry – Visa Terminals outside Nepal 50.00

*NEPS Member Banks:

  1. Commercial Banks:
    1. Sunrise Bank Limited
    2. Machhapuchchhre Bank Limited
    3. Siddhartha Bank Limited
    4. Citizens Bank International Limited
    5. NIC Asia Bank Limited
    6. Bank of Kathmandu Limited
    7. Prime Commercial Bank Limited
    8. Nepal Bangladesh Bank Limited
    9. Global IME Bank Limited
    10. Prabhu Bank Limited
  2. Development Banks:
    1. Jyoti Bikash Bank Limited
    2. Shine Resunga Development Bank Limited
    3. Sangri-la Development Bank Limited
    4. Excel Development Bank Limited
    5. Lumbini Bikash Bank Limited

Mobile Banking Fee:

For mobile banking (Excel Smart), there are several schemes, charged Rs. 250

Service Charges:

Free ABBS:

For ABBS transactions, there are no charges. You may deposit or withdraw from any branch without any charges.

Free ECC:

For electronic cheque clearing (ECC) transactions, there are no charges up to a certain amount.

Other Charges:

For other rates and charges, click here.