Interest Rate

Effective Date : Kartik 23, 2073 (November 29, 2016)
Deposit Products (Rates Per annum)    
LCY Saving Deposits Rates Per annum    
Hight Yield Deposits 3.00%    
Sulav Plus Savings 3.00%    
Manyajan Bachat Khata 2.75%    
Bishesh Bachat ( For differently Abled People) 2.75%    
Nari Bachat 2.75%    
Atulya Bachat 2.50%    
Investor's Savings 1.00%    
Payroll Savings 1.00%    
Payroll Plus Savings 3.00%    
Young Saver's Account 1.00%    
Local Savings 1.00%    
Smart Pay Account 1.00%    
Sulav Muddati Bachat 1.00%    
Swecchik Bachat Khata 1.00%    
Anibarya Bachat Khata 1.00%    
Micro Bachat Khata 1.00%    
Investa Gold Savings 2.50% (Available only for existing Account Holders)  
Investa Savings 2.50% (Available only for existing Account Holders)  
Hydro Deposits 2.50% (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  
3 - 6 Months   6.25%  
3 - 9 Months 6.25%             
1 Year & above 6.50% 6.75%  
Manyajan Muddati (1 year) NA 7.75%  
Sulav Muddati -190 days
​(Min Balance NPR 1 Lakh)
  8.25%  
Structured Fixed Deposit      
(Min Balance NPR 5 Lakhs)      
1 Year
 
  7.50%  
2 Years & above  
8.00%
 
 
Loan Products     Rates Per Annum
CORPORATE BANKING Prime Standard Other
Cash Credit / Overdraft 8.00% 9.50% NA
Importer’s Loan 8.00% 9.00% NA
Trust Receipt Loan 7.00% 9.00% NA
Export Finance 7.50% 8.50% NA
Other Working Capital Loans 7.00% 9.25% NA
Term Loan 8.00% 10.00% NA
BUSINESS BANKING Prime Standard Other
Cash Credit / Overdraft 8.00% 10.00% 12.00% - 14.50%
Demand Loan 7.50%  9.50% 11.50% - 14.00%
Trust Receipt Loan 7.50%  9.50% 11.50%
Term Loan 8.50% 10.50% 12.50% - 14.00%
SME Prime Standard Other
Overdraft 9.00% 11.00% 13.00% - 15.50%
Working Capital Loan 9.00% 11.00% 13.00% - 15.50%
Term Loan 10.50% 12.50% 14.50% - 16.00%
NMB Sulav Karja 10.00% 12.00% NA
Personal Business Loan 11.00% 13.00% NA
Agriculture Loan (Under Subsidy) 6.00% 6.00% NA
Trust Receipt Loan 9.00% 11.00% 13.00%
Retail Banking Prime Standard Other
Housing Loan ( upto 15 years Tenure ) 7.66% - 8.50% 10.50% 13.00% - 15.00%
Housing Loan ( above 15 to 25 years Tenure ) 8.00% - 10.00% 12.00% 14.00%
Land Purchase 8.00% - 9.00%  11.00% 13.00% - 15.00%
Auto Loan 7.49% 9.99% 11.99% - 13.99%
Personal Loan 10.00% 12.00% 14.00% - 15.00%
Professional Loan 12.50% 14.50% 16.50%
Education Loan 9.50% 11.50% 13.50% - 15.50%
Motorbike Loan NA NA 14.00% - 15.00%
Gold Loan NA NA 12.00% - 13.00%
Other Prime Standard Other
Margin Lending 8.00% 10.00% 12.00%-13.50%
Loan Against Government Securities 7.00% 9.00% -
Loan Against Bank Guarantees/SBLC 7.00% 9.00% -
Loan Against Fixed Deposits Max 2.0 % above FD rate    
Loan Against Properties 10.00% 12.00% 14.00%
Direct Property Exposure/Real Estate Loan 9.00% 11.00% 13.00% - 16.00%
Personal Overdraft
( Corporate and Business Banking )
10.00% 12.00% 14.00% - 17.00%
Personal Overdraft
( Others )
11.00% 13.00% 15.00% - 17.00%
Retail Micro Finance Loan Prime Standard Other
Structured Low Cost Housing 9.00% 11.00% 13.00% - 15.00%
Retail Others 11.00% 13.00% 15.00% - 18.00%
Wholesale Micro Finance Loan      
"D Class Banks" & Other Inst 4.00% 6.00% -
FINGO 6.00% 8.00% -
Agriculture Co-Operatives 8.00% 10.00% 12.00% - 13.00%
Other Co-Operatives and Institutions 6.00% 8.00% 10.00% - 12.00%
Hydro and Renewable Energy Prime Standard Other
Hydro Consortium As decided by consortium    
Mirco Hydro 11.00% 12.00%  
Solar Related Loan 11.00% 13.00%  
Bio Gas Related 11.00% 13.00%  
Term Loan 10.00% 12.00% 14.00% - 15.00%
Working Capital   8.00% 10.00% 12.00% - 14.00%
Trust Receipt Loan   8.00% 10.00% 12.00%
Electric Vehicle (Commercial) 11.50% 13.50%  NA
Electric Vehicle (Private)   7.99%   9.99%  11.99% - 13.99%
Base Rate Rates Per annum    
Ashwin 6.63%