Interest Rate

Effective Date : Asadh 11, 2074 (June 25, 2017)

 
Deposit Products (Rates Per annum) Minimum Balance Interest Payment    
LCY Saving Deposits Rates Per annum        
Sulav Remit Savings 4.50% NIL Quarterly    
NMB Manyajan Bachat 3.50% NIL Monthly    
NMB Bishesh Bachat 5.00% NPR.5000 Quarterly    
Nari Bachat 3.50% NPR.100 Quarterly    
Atulya Bachat 3.50% NPR.100 Quarterly    
NMB Share Khata 3.50% NPR.500 Quarterly    
Payroll Savings 3.50% NIL Quarterly    
Young Saver's Account 4.00% NPR.100 Quarterly    
Normal Savings 3.50% NPR.1,000 Quarterly    
Sulav Muddati Savings 3.50% NIL Quarterly    
Swecchik Bachat Khata 3.50%        
Anibarya Bachat Khata 3.50%        
Micro Bachat Khata 3.50%        
Investa Gold Savings 3.50%    (Available only for existing Account Holders)    
Investa Savings 3.50%   (Available only for existing Account Holders)    
Hydro Deposits 3.50%   (Available only for existing Account Holders)    
FCY DEPOSITS          
US Dollar Savings 1.00%        
GBP Savings 1.00%        
EUR Savings 0.25%        
Recurring Deposit          
Recurring Education Plan 6.00%        
Khutruke Bachat 4.00%        
Fixed Deposit Rates Per annum        
Tenure Institution Individual      
1 Month - 3 Months 9.00% 9.50%      
3 - 6 Months 9.50% 10.00%      
6 - 9 Months 10.00%          10.50%      
1 Year to 2 years 10.50% 11.50%      
Above 2 years    9.50% 10.00%      
Manyajan Muddati (1 year) NA 8.25%      
Structured Fixed Deposit          
(1 year,  Min Balance NPR 5 Lakhs, Monthly Interest Payment)   12.00%       
           
Loan Products          %  Per Annum on Base Rate
Corporate    Prime   Standard   Others 
Cash Credit / Overdraft BR+ 0.5 to 2 2 to 4 4 to 7
Working Capital Loan 0.5 to 2 2 to 4 4 to 6.5
Trust Receipt Loan 0.5 to 2 2 to 4 4 to 6
Export Loan 0.5 to 2 2 to 4 4 to 6
Term Loan 1 to 3 3 to 5 5 to 7
Consortium Loans    As decided by consortium 
Mid-Corporate    Prime   Standard   Others 
Cash Credit / Overdraft BR+ 1 to 3 3 to 5 5 to 7
Working Capital Loan 0.5 to 3 3 to 5 5 to 7
Trust Receipt Loan 0.5 to 3 3 to 5 5 to 7
Term Loan 1 to 3 3 to 5 5 to 7
Export Loan 0.5 to 3 3 to 5 5 to 7
Bridge Gap Loan 1 to 3 3 to 5 5 to 7
SME    Prime   Standard   Others 
Cash Credit / Overdraft BR+ 1.5 to 3.5 3.5 to 6 6 to 8.5
Working Capital Loan 1 to 3.5 3.5 to 6 6 to 8.5
Term Loan 1.5 to 3.5 3.5 to 6 6 to 8.5
Trust Receipt Loan 1 to 3.5 3.5 to 6 6 to 8.5
MSME and Agriculture    Prime   Standard   Others 
MSME Loan BR+ 2 to 4.5 4.5 to 6 6 to 10
NMB Sulav Karja 3 to 4.5 4.5 to 6 6 to 10
Personal Business Loan 3 to 4.5 4.5 to 6 6 to 10
Agriculture Loan 1 to 4.5 4.5 to 6 6 to 10
Agriculture Loan (Under Subsidy)  As Per NRB Circular 
Retail Banking   Prime Standard Other
Housing Loan BR+ 1 to 3 3 to 5 5 to 8
Land Purchase 1 to 3 3 to 5 5 to 8
Auto Loan 1 to 3 3 to 5 5 to 8
Personal Loan 3 to 5 5 to 7 7 to 10
Professional Loan 1 to 3 3 to 5 5 to 8
Education Loan 1 to 3 3 to 5 5 to 8
Motorbike Loan   5 - 8
Gold Loan   5 - 8
Other   Prime Standard Other
Loan Against Government Securities*   Base Rate+3% or Coupon Rate+2% whichever is higher
Loan Against Bank Guarantees/SBLC BR+   2 to 6
Loan Against Properties 3 to 5 5 to 7 7 to 10
Loan Against own FDR*   Base Rate+3% or Coupon Rate+2% whichever is higher
Personal Overdraft(Retail/SME/MSME) BR+ 3 to 5 5 to 7 7 to 10
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) 1 to 2 2 to 4 4 to 6
Margin Lending 3 to 5 5 to 7 7 to 10
Hydro and Renewable Energy   Prime Standard Others
Hydro Consortium As decided by consortium
Micro Hydro BR+ 1.5 to 3.5 3.5 to 4.5 4.5 to 6
Solar Related Loan** 1.5 to 3.5 3.5 t o4.5 4.5 to 6
Bio Gas Related 1.5 to 3.5 3.5 to 4.5 4.5 to 6
Term Loan 1 to 3 3 to 4 4 to 6
Working Capital 1.5 to 3.5 3.5 to 4.5 4.5 to 6
Trust Receipt Loan 1.5 to 3.5 3.5 to 4.5 4.5 to 6
Electric Vehicle (Commercial) 3.5 to 4.5 4.5 to 5.5 5.5 to 6
Electric Vehicle (Private) 2.5 to 3.5 3.5 to 5 5 to 6
Retail Micro Finance Loan   Prime Standard Others
Structured Low Cost Housing** BR+ 3 to 4.5 4.5 to 6 6 to 8
Microfinance Retail 3 to 5 5 to 7 7 to 9
Wholesale Micro Finance Loan   Prime Standard Others
"D Class Banks" & Other Inst BR+ 0.5 to 2 2 to 4 4 to 6
FINGO 1 to 2 2 to 4 4 to 6
Agriculture Co-Operatives 0.5 to 2 2 to 4 4 to 6
Other Co-Operatives and Institutions 1 to 3 3 to 5 5 to 7
Base Rate (BR) Rates Per annum        
Baisakh 9.08%        
*Above rates are not applicable for Consortium Financing and Loans classified as Non Performing Loans