Interest Rate of Past Three Years Base Rate Average Interest Spread
Effective Date : Chaitra 1, 2080 (March 14, 2024)
Savings Deposit (NPR) | Interest Rates (% Per Annum) | Minimum Balance (NPR) |
NMB You-Wah Digi Savings | 3.90% | NIL |
NMB Sahara Gold | 5.00% | NIL |
NMB Smart Nari Bachat Khata | 5.00% | NIL |
Saral Muddati Bachhat Khata | 3.90% | Zero- 10,000 |
NMB Premium Super Talab Khata | 5.00% | NIL |
NMB Manyajan Bachat Khata | 5.00% | NIL |
NMB Ujyalo Pariwar Bachat Khata | 5.00% | NIL |
NMB Ujyalo Pension Bachat Khata | 5.00% | NIL |
Aapan NMB Bachat Khata (For Madhesh Pradesh Only) | 5.00% | NIL |
Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) | 5.00% | NIL |
NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) | 5.00% | NIL |
Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) | 5.00% | NIL |
NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) | 5.00% | NIL |
NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) | 5.00% | NIL |
NMB Investor Savings | 3.90% | NIL |
NMB Jeevan Chakra | 3.90% | 5,000 to 50,000 |
NMB Umanga Bachat Khata | 3.90% |
100 |
Nari Bachat Khata | 3.90% |
100 |
Metro Card Savings | 3.90% |
100 |
Metro POS Savings | 3.90% |
100 |
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 3.90% |
1,000 |
NMB Sahara Bachat Khata | 3.90% |
1,000 |
Surakchhit Jeevan Bachat Khata | 3.90% |
1,000 |
Namaste Savings | 3.90% |
10,000 |
NMB Samman Bachat Khata | 3.90% |
10,000 |
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 3.90% |
100 (100 Deposited by Bank) |
NMB Super Talab Khata | 3.90% |
NIL |
NMB Talab Khata | 3.90% |
NIL |
Atulya Bachat Khata | 3.90% |
NIL |
Sulav Muddati Savings | 3.90% |
NIL |
Micro Bachat Khata | 3.90% |
NIL |
Social Security Savings | 3.90% |
NIL |
NMB Smart Savings - Digital | 3.90% |
NIL |
Normal DO Savings | 3.90% |
NIL |
Call Deposit (NPR) | Up to 1.95% |
Fixed Deposit (NPR) | Individual | Institution | |
6 Months to Below 1 Year | 5.00% | 5.00% | |
1 Year & Above (For Institutional Only) | - | 6.00% | |
1 Year to Below 2 Years | 6.00% | - | |
2 Years to Below 10 Years | 6.00% | - | |
10 Years & Above | 7.00% | - | |
Manyajan Muddati (1 year) | 7.00% | - | |
Saral Muddati Bachhat Khata (3 months) | 5.00% | - | |
Recurring Deposit | |||
NMB Mero Kramik Khata (Recurring Deposit) | Multiples of 1,000 | 6.00% | |
Interest Rate of Foreign Currency Deposits (% p.a.) | |||
Deposits FCY (Individual/ Institution*) | Fixed 3 Months and Above | Savings Deposit Rate | Call Deposit |
US Dollar | 4.50% | 4.00% | Up to Benchmark Rate |
Great Britain Pound | 3.75% | 3.00% | |
EURO | 3.75% | 3.00% | |
Canadian Dollar | 4.25% | 4.00% | |
Australian Dollar | 4.00% | 3.50% | |
Japanese Yen | 3.00% | 2.00% | |
Chinese Yuan | 3.00% | 3.00% | |
Other FCY Deposits | Central Bank rate plus Up to 4% | Central Bank rate plus Up to 2.5% | |
* Institutional FCY Fixed Deposit tenure shall be six months and above. | |||
NMB Namaste FCY FD (min. 1 years) for Non Resident Nepalese Only | |||
US Dollar | 4.50% | Minimum $1,000 or equivalent | |
Great Britain Pound | 4.00% | ||
EURO | 4.00% | ||
Canadian Dollar | 4.00% | ||
Australian Dollar | 4.00% |
Loan Products | Premium(%) Over Base Rate | |||
Corporate | Manufacturing | Service | Trading | |
Working Capital- Term | 1-3 | 1 - 3 |
1 - 3 | |
Working Capital- Revolving | 1 - 3 | 1 - 3 | 1 - 3 | |
Cash Credit | 1 - 3 | 1 - 3 | 1 - 3 | |
Term | 1.5 - 3.5 | 1.5 - 3.5 | 1.75 - 3.75 | |
Mid- Corporate | Manufacturing | Service | Trading | |
Working Capital- Term | 1.5 - 3.5 | 1.5 - 3.5 |
1.5 - 3.5 |
|
Working Capital- Revolving | 1.5 - 3.5 | 1.5 - 3.5 | 1.5 - 3.5 | |
Cash Credit | 1.5 - 3.5 | 1.5 - 3.5 | 1.5 - 3.5 |
|
Term | 2 - 4 | 2 - 4 | 2 - 4 |
|
SME/ MSME | Manufacturing | Service | Trading | |
Working Capital- Term | 2 - 4 |
2 - 4 |
2 - 4 |
|
Working Capital- Revolving | 2 - 4 | 2 - 4 | 2 - 4 |
|
Cash Credit | 2 - 4 | 2 - 4 | 2 - 4 |
|
Term | 2 - 4 | 2 - 4 | 2 - 4 |
|
Project Financing | Manufacturing | Service & Hospitality | ||
Working Capital- Term | 1.5 - 3.5 | 1.5 - 3.5 |
||
Working Capital- Revolving | 1 - 3 | 1 - 3 | ||
Cash Credit | 1 - 3 | 1 - 3 | ||
Term | 1.5 - 3.5 | 1.5 - 3.5 | ||
Energy Financing | Manufacturing | Power Generation | Trading | |
Working Capital- Term | 1.5 - 3.5 | - | 1.75 - 3.75 | |
Working Capital- Revolving | 1.5 -3.5 | 1.5 -3.5 | 1.75 - 3.75 | |
Cash Credit | 1.5 - 3.5 | 1 - 3 | 1.75 - 3.75 |
|
Term Loan | 1 - 3 | - | 1.25 - 3.25 | |
Bridge Gap | 1 - 3 | |||
Term- Hydro | 0.5 - 2.5 | |||
Team- Solar | 0.25 - 2.25 | |||
Team- Others | 1.5 - 3.5 | |||
Agriculture | All Sectors | |||
Working Capital- Term | 1 - 3 | |||
Working Capital - Revolving | 1 - 3 | |||
Cash Credit | 1 - 3 | |||
Term Loan | 1.25 - 3.25 |
Retail | Up to 10 Yrs | 10 to 20 Yrs | Above 20 Yrs |
Housing Up to 20 Mio | - | 0.5 - 2.5 | - |
Housing Above 20 Mio | - | 0.75 - 2.75 | - |
Auto Loan | Personal | Commercial | |
Electric Vehicle | 0.5- 2.5 | 2 - 4 | |
ICE Vehicle | 2 - 4 | 2.5 -4.5 | |
Land Purchase- Up to 10 Mio | 1 - 3 | ||
Land Purchase- Above 10 Mio | 2 - 4 | ||
Loan Against Property | 2 - 4 | ||
Margin Lending | 1 - 3 | ||
NMB Talab Karja | 2 - 4 | ||
Personal Overdraft | 2.5 - 4. 5 | ||
Other Retail Loan | 2 - 4 | ||
Education Loan | 2.5 -4.5 | ||
Micro- Finance (Retail & Wholesale) | 0 - 2 | ||
Trade Contract Sales- Funded Lines | 2 - 4 | ||
Loan Against Government Securities | Base rate or coupon rate (whichever is higher) plus up to 2% | ||
Loan Against own FDR | Base rate or coupon rate (whichever is higher) plus up to 2% | ||
Loan & Advances- FCY | |||
USD Term Loan | Benchmark rate plus up to 3% | ||
TR Loan- FCY | Benchmark rate plus up to 3% | ||
Fixed Interest Rate Loan Projects | Interest Rate (% Per Annum) | ||
Project Finance | BR + Up to 2% | ||
Energy Financing | BR + Up to 2% | ||
Fixed Rate Home Loan | Interest Rate (% Per Annum) | ||
Sulav Ghar Karja- Up to 10 Yrs Fixed plus FLoating | 10.49% | ||
Sulav Ghar Karja - 7 Yrs Fixed plus Floating | 9.99% | ||
Up to 5 Years | 5 Years to 10 Years | Above 10 Years | |
Fixed Rate: Other Retail Term Loans | 13.00% | 13.50% | 14.00% |
NMB Sulav Auto Loan- Electric- up to 7 Yrs | 10.49% | ||
NMB Sulav Auto Loan- Electric- up to 5 Yrs | 10.10% |
-Institutional FCY Fixed Deposit tenure shall be six months and above.
-Interest rate for Consortium Loan shall be as per Consortium decision.
-Interest rate on NMB Janmabhumi Khata (Remittance: Saving & FD) shall be 2% higher.
- Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts
- Interest rate for environmental friendly housing (green homes) will be 0.5% lesser
- Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives.
- Interest rate for Subsidy Loan shall be as per NRB Directive
- Benchmark Rate: as per NRB directive
The interest rate determination for the same nature loan clients shall be done as per NRB Circular Bai.Bi.Ni.Bi./Niti/Paripatra/03/080/081 dated 2080-06-18 B.S.