NMB Bank

Interest rate

Effective Date : Poush 16, 2075 (December 31, 2018)

Deposit Products (Rates Per annum) Minimum Balance Interest Payment
LCY Saving Deposits Rates Per annum
NMB Sahara Bachat 6.50% NPR 1000 Quarterly
NMB Umanga Bachat 6.50% NPR 500 (For Kathmandu Valley Branches), NPR 100 For Outside Valley Branches Quarterly
NMB Talab Khata 6.50% NIL Quarterly
Nari-Samman Bachat Khata 5.50% NPR. 2,000 Quarterly
SulavRemit Savings 4.50% NIL Quarterly
NMB Manyajan Bachat 4.50% NIL Quarterly
NMB Smart Khata 4.50% NPR. 100 Quarterly
NMB Saral bachat 5.00% NPR. 5,000 Quarterly
NMB Bishesh Bachat 4.50% NIL Quarterly
Nari Bachat 4.50% NPR.100 Quarterly
NMB Delight Savings 5.00% NPR.1,000 Quarterly
Atulya Bachat 4.50% NIL Quarterly
NMB Share Khata 4.50% NIL Quarterly
Payroll Savings 4.50% NIL Quarterly
Young Saver's Account 4.50% NPR.100 Quarterly
Normal Savings 4.50% NPR.1,000 Quarterly
Sulav Muddati Savings 4.50% NIL Quarterly
Swecchik Bachat Khata 4.50% NIL Quarterly
Anibarya Bachat Khata 4.50% NIL Quarterly
Micro Bachat Khata 4.50% NIL Quarterly
Investa Gold Savings 4.50%   (Available only for existing Account Holders)
Hydro Deposits 4.50% NIL (Available only for existing Account Holders)
SSF Savings 4.50% NIL Quarterly
FCY DEPOSITS
US Dollar Savings 3.50%   p.a.
GBP Savings 1.00%   p.a.
EUR Savings 0.25%   p.a.
Recurring Deposit
Recurring Education Plan 6.00% NPR 500 Quarterly
Khutruke Bachat 5.00% NPR 100 Quarterly
Surakshit Bal Saishik Khata 6.50% NPR 100 Quarterly
Fixed Deposit Rates Per annum
Tenure Institution Individual
1 Month to Below 3 Months 8.50%    Quarterly
3 Months to Below 1 Year  8.50% 9.25% Quarterly
1 year & above  8.50%        9.25% Quarterly
Manyajan Muddati (1 year) - 9.25% Quarterly
Loan Products % Per Annum on Base Rate
Corporate   Prime Standard Others
Cash Credit / Overdraft BR+ Up to 2 2to4 4to 6
Working Capital Loan Up to 2 2to4 4to6
Trust Receipt Loan Up to 2 2to4 4to6
Export Loan Up to 2 2to4 4to6
Term Loan Up to3 3to5 5to 6
Consortium Loans   Base Rate+2% or Coupon Rate+2% whichever is higher
Loan Against Bank Guarantees/SBLC BR+   2to6
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 4.5 4.5 to 5.5 5.5 to 6
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) Up to2 2to4 4to6
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 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 Vehical (Commercial) Up to 4.5 4.5 to 5.5 5.5 to 6
Electric Vehical (Private) Up to 3.5 3.5 to 5 5 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 & Interest Spread Rate For the month of Mangsir, 2075
Base Rate (BR)
* Rate applicable as per tie up agreement.
**Applicable for new loans only.
10.73%
Interest Spread 3.95%
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