Interest Rate

Effective Date : Chaitra 11, 2073 (March 28, 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 ( For differently Abled People) 5.00% NPR.500 Quarterly    
Nari Bachat 3.00% NPR.100 Quarterly    
Atulya Bachat 3.00% NPR.100 Quarterly    
NMB Share Khata 3.00% NPR.500 Quarterly    
Payroll Savings 3.00% NIL Quarterly    
Young Saver's Account 4.00% NPR.100 Quarterly    
Normal Savings 3.00% NPR.1,000 Quarterly    
Sulav Muddati Savings 3.50% NIL Quarterly    
Swecchik Bachat Khata 3.00%        
Anibarya Bachat Khata 3.00%        
Micro Bachat Khata 3.00%        
Investa Gold Savings 3.00%    (Available only for existing Account Holders)    
Investa Savings 3.00% ) (Available only for existing Account Holders)    
Hydro Deposits 3.00%   (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   8.00%      
3 - 6 Months 7.25% 8.25%      
6 - 9 Months 7.50%          8.50%      
1 Year & above 8.00% 9.00%      
Manyajan Muddati (1 year) NA 8.25%      
Structured Fixed Deposit          
(1 year,  Min Balance NPR 5 Lakhs)
(Above 1 Year - 2 Years )
  10.50%
10.00%
     
           
Loan Products         Rates Per Annum
CORPORATE BANKING Prime Standard     Other
Cash Credit / Overdraft 8.50% 10.50%     NA
Importer’s Loan 8.50% 10.50%     NA
Trust Receipt Loan 8.50% 10.50%     NA
Export Finance 8.00% 10.00%     NA
Other Working Capital Loans 8.50% 10.50%     NA
Term Loan 9.00% 11.00%     NA
BUSINESS BANKING Prime Standard     Other
Cash Credit / Overdraft 9.50% 11.50%     13.50% - 16.00%
Demand Loan 9.500%  11.00%     13.00% - 15.50%
Trust Receipt Loan 9.00%  11.00%     13.50%
Term Loan 9.50% 11.50%     13.50% - 16.00%
SME Prime Standard     Other
Overdraft 10.50% 13.00%     14.00% - 18.50%
Working Capital Loan 10.00% 13.00%     14.00% - 16.00%
Term Loan 11.00% 12.50%     14.50% - 17.00%
NMB Sulav Karja 12.00% 13.00%     14.50% - 16.00%
Personal Business Loan 12.50% 13.50%     14.50% - 16.00%
Agriculture Loan (Under Subsidy) 6.00% 6.00%     NA
Trust Receipt Loan 10.00% 11.00%     13.00%
Retail Banking Prime Standard     Other
Housing Loan 10.50% 12.50%      15.00%
Land Purchase 10.50% 12.00%     14.00%
Auto Loan 10.00% 12.00%     14.00%
Personal Loan 14.00% 16.00%     17.00%
Professional Loan 13.00% 15.00%     16.00%
Education Loan 11.00% 13.00%     15.00%
Motorbike Loan NA NA     14.00% - 15.00%
Gold Loan NA NA     12.00% - 13.00%
Other Prime Standard     Other
Margin Lending 13.00% 1.00%     17.00%-
Loan Against Government Securities  Minimun 12%
Loan Against Bank Guarantees/SBLC              Minimum 12%     -
Loan Against Properties 14.00% 16.00%     17.00%
Loan Against own FDR 12% or FDR Rate plus 2% whichever is higher      
Direct Property Exposure/Real Estate Loan 12.00% 14.00%     16.00%
Personal Overdraft
( Corporate and Business Banking )
13.00% 15.00%     17.00%
Personal Overdraft
( Others )
14.00% 16.00%      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 8.00% 10.00%     12.00%
FINGO 9.50% 11.50%     13.50%
Agriculture Co-Operatives 9.00% 11.00%     13.00%
Other Co-Operatives and Institutions 10.50% 12.50%     14.50%
Hydro and Renewable Energy Prime Standard     Other
Hydro Consortium As decided by consortium        
Mirco Hydro 11.00% 12.00%     13.00%
Solar Related Loan 11.00% 13.00%     NA
Bio Gas Related 12.50% 13.50%     NA
Term Loan 10.00% 12.00%     14.00% - 15.00%
Working Capital 10.50% 12.50%     13.00% - 14.00%
Trust Receipt Loan 10.50% 12.50%     13.50%
Electric Vehicle (Commercial) 14.00% 15.00%      NA
Electric Vehicle (Private)  10.00%  12.00%      14.00%
Base Rate Rates Per annum        
Chaitra 8.95%        
*Above rates are not applicable for Consortium Financing and Loans classified as Non Performing Loans