Interest Rate

Effective Date : Falgun 9, 2074 (February 21, 2018)

 
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 Smart Khata 5.00% 100 Quarterly    
NMB Saral bachat 5.50% NPR. 5,000 Monthly    
NMB Bishesh Bachat 5.00% NPR.5000 Quarterly    
Nari Bachat 3.50% NPR.100 Quarterly    
NMB Delight Savings  5.50% NPR.5,000 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 6.00%  6.50%      
> 1 month to < 6 months 9.00%          9.50%      
≥ 6 months to < 1 year  9.50% 10.00%      
≥ 1 year to < 2 years 9.00% 11.00%      
≥​ 2 years 8.50% 9.00%      
Manyajan Muddati 
(1 year)
   - 10.50%      
Sulav Muddati
(270 Days, Min Bal: 5 Lakhs)
  - 10.50%      
Structured Fixed Deposit 9.00%  -      
(1 year, Minimum Bal : NPR 5 Crores)

2-weeks Fixed            Deposit (Minimum Bal: NPR.10 Crores)
10.00%        
           
Escrow Fund Account (Fee Negotiable) 8.50% for Institution Only -      
Loan Products          %  Per Annum on Base Rate
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
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 4.5 4.5 to 5.5 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 5 4 to 6
Motorbike Loan   5.00
Gold Loan   5.00
Other   Prime Standard Other
Loan Against Government Securities*   Base Rate 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 or Coupon Rate+2% whichever is higher
Personal Overdraft(Retail/SME/MSME) BR+ Upto 4.5 4.5 to 5.5 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
Hydro and Renewable Energy   Prime Standard Others
Hydro Consortium As decided by consortium
Micro Hydro BR+ Up to 3.5 3.5 to 4.5 4.5 to 6
Solar Related Loan** Up to 3.5 3.5 to 4.5 4.5 to 6
Bio Gas Related Up to 3.5 3.5 to 4.5 4.5 to 6
Term Loan Up to 3 3 to 4 4 to 6
Working Capital Up to 3.5 3.5 to 4.5 4.5 to 6
Trust Receipt Loan Up  to 3.5 3.5 to 4.5 4.5 to 6
Electric Vehicle (Commercial) Up to 4.5 4.5 to 5.5 5.5 to 6
Electric Vehicle (Private) Up to 3.5 3.5 to 5 5 to 6
Retail Micro Finance 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 Micro Finance 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-Operatives and Institutions Up to 3 3 to 4 4 to 6
FCY Loan Libor 6 Months plus upto 5%
*Rate applicable as per tie up agreement. Base Rate (BR) Poush 2074 10.35%
​** Applicable for new loans only Interest Spread Rate Poush 2074   3.70%