Interest Rate

Effective Date : Falgun 05, 2073 (February 16, 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  
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      
(6-18 Months; Min Balance NPR 5 Lakhs)
(1 Year; Min Balance 10 Lakhs)
  11.50%
11.50%
 
       
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 12.00% 14.00% 16.00%
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    
Magh 8.09%    
*Above rates are not applicable for Consortium Financing and Loans classified as Non Performing Loans