Interest Rate

Effective Date : Ashwin 23, 2075 (October 9, 2018)

 
Deposit Products (Rates Per annum) Minimum Balance Interest Payment    
LCY Saving Deposits Rates Per annum        
NMB Umanga Bachat 7.00% NPR 500 (For Kathmandu Valley Branches), NPR 100 For Outside Valley Branches Quarterly    
NMB Talab Khata 7.00% NIL Quarterly    
Nari-Samman Bachat Khata 6.00% NPR 2,000 Quarterly    
Sulav Remit Savings 5.00% NIL Quarterly    
NMB Manyajan Bachat 5.00% NIL Quarterly    
NMB Smart Khata 5.00% 100 Quarterly    
NMB Saral bachat 5.50% NPR 5,000 Quarterly    
NMB Bishesh Bachat 5.00% NIL Quarterly    
Nari Bachat 5.00% NPR 100 Quarterly    
NMB Delight Savings  5.50% NPR 1,000 Quarterly    
Atulya Bachat 5.00% NIL Quarterly    
NMB Share Khata 5.00% NIL Quarterly    
Payroll Savings 5.00% NIL Quarterly    
Young Saver's Account 5.00% NPR.100 Quarterly    
Normal Savings 5.00% NPR.1,000 Quarterly    
Sulav Muddati Savings 5.00% NIL Quarterly    
Swecchik Bachat Khata 5.00% NIL Quarterly    
Anibarya Bachat Khata 5.00% NIL Quarterly    
Micro Bachat Khata 5.00% NIL Quarterly    
Investa Gold Savings 5.00% NPR 2,500 (Available only for existing Account Holders)
Investa Savings 5.00% NPR 500 (Available only for existing Account Holders)
Hydro Deposits 5.00% NIL (Available only for existing Account Holders)
SSF Savings 5.00% NIL Quarterly
FCY DEPOSITS          
US Dollar Savings 2.00%        
GBP Savings 1.00%        
EUR Savings 0.25%        
Recurring Deposit          
Recurring Education Plan 6.00% NPR 500 Quarterly    
Khutruke Bachat 4.00% NPR 100 Quarterly    
Surakshit Bal
Saishik Khata
6.50% NPR 100 Quarterly    
Fixed Deposit Rates Per annum        
Tenure Institution Individual       
< 3 months           8.50%          7.25% Quarterly    
≥3 months to <  6 months 9.00%   9.25% Quarterly    
≥6 months to ≤ 2 year       9.00%     10.00% Quarterly    
>2 years to ≤5                   8.50%            9.00%      Quarterly    
Manyajan Muddati 
(1 year)
   -       10.00% Quarterly    
STRUCTURED DEPOSIT    9.50%          
(NPR. 5 Crore & above) - below 1 year
 
     
           
Loan Products          %  Per Annum on Base Rate
Corporate/Project Financing    Prime   Standard   Others 
Cash Credit / Overdraft BR+ Up to 2 2 to 4 4 to 6
Working Capital Loan Up to 2 2 to 4 4 to 6
Trust Receipt Loan Up to 2 2 to 4 4 to 6
Export Loan Up to 2 2 to 4 4 to 6
Term Loan Up to 3 3 to 5 5 to 6
Consortium Loans    As decided by consortium 
Mid-Corporate    Prime   Standard   Others 
Cash Credit / Overdraft BR+ Up to 2 2 to 4 4 to 6
Working Capital Loan Up to 2 2 to 4 4 to 6
Trust Receipt Loan Up to 2 2 to 4 4 to 6
Term Loan Up to 2 2 to 4 4 to 6
Export Loan Up to 2 2 to 4 4 to 6
Bridge Gap Loan Up to 2 2 to 4 4 to 6
SME    Prime   Standard   Others 
Cash Credit / Overdraft BR+ Up to 3 3 to 4 4 to 6
Working Capital Loan Up to 3 3 to 4 4 to 6
Term Loan Up to 3 3 to 4 4 to 6
Trust Receipt Loan Up to 3 3 to 4 4 to 6
MSME and Agriculture    Prime   Standard   Others 
MSME Loan BR+ Upto 3.5 3.5 to 5 5 to 6
NMB Sulav Karja Upto 3.5 3.5 to 5 5 to 6
Personal Business Loan Upto 3.5 3.5 to 5 5 to 6
Agriculture Loan Upto 3.5 3.5 to 5 5 to 6
Agriculture Loan (Under Subsidy)  As Per NRB Circular 
Retail Banking   Prime Standard Other
Housing Loan BR+ Upto 2 2 to 4 4 to 6
Land Purchase Upto 3 3 to 4 4 to 6
Auto Loan Upto 4 4 to 5 5 to 6
Personal Loan Upto 3 3 to 5 5 to 6
Professional Loan Upto 3 3 to 5 5 to 6
Education Loan Upto 3 3 to 4 4 to 6
Motorbike Loan   5.00
Gold Loan   5.00
Other   Prime Standard Other
Loan Against Government Securities*   Base Rate+2% or Coupon Rate+2% whichever is higher
Loan Against Bank Guarantees/SBLC BR+   2 to 6
Loan Against Properties Up to 3 3 to 5 5 to 6
Loan Against own FDR*   Base Rate+2% or Coupon Rate+2% whichever is higher
Personal Overdraft(Retail/SME/MSME) BR+ Upto 4 4 to 5 5 to 6
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) Up to 2 2 to 4 4 to 6
Margin Lending 2 to 5 5 to 7 7 to 10
 Energy   Prime Standard Others
Energy Project unber Consortium Financing As decided by consortium
Hydropower BR+ Up to 3
Micro Hydro Up to 2 2 to 4 4 to 6
Solar Related Loan **    Up to 2 2 to 4 4 to 6
Bio Gas Related    Up to 2 2 to 4 4 to 6
Term Loan    Up to 2 2 to 4 4 to 6
Working Capital    Up to 2 2 to 4 4 to 6
Trust Receipt Loan    Up to 2 2 to 4 4 to 6
Electric Vehical (Commercial)    Up to 2 2 to 4 4 to 6
Electric Vehical (Private)    Up to 2 2 to 4 4 to 6
Retail Microfinance Loan   Prime Standard Others
Structured Low Cost Housing ** BR+ Up to 4 4 to 5 5 to 6
Microfinance Retail 0.5 to 4 4 to 5 5 to 6
Wholesale Microfinance Loan   Prime Standard Others
"D Class Banks" & Other Inst BR+ Up to 2 2 to 4 4 to 6
FINGO Up to 2 2 to 4 4 to 6
Agriculture Co-operatives Up to 2 2 to 4 4 to 6
Other Co-operateives & Institusions Up to 3 3 to 4 4 to 6
FCY Loan Libor 6 Months plus Up to 5%
Base Rate (BR) Bhadra 2075 : 10.71%
* Rate applicable as per tie up agreement.
**Applicable for new loans only.
Interest Spread Bhadra 2075 : 3.63 %