NMB Bank

Interest rate

Effective Date : Kartik 15, 2076 (November 1, 2019)

Deposit Products (Rates Per annum)   Minimum Balance (NPR) Interest Payment
LCY Saving Deposits Rates Per annum
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 6.50%   25,000 Quarterly
NMB Super Talab Khata 6.50%   NIL Quarterly
NMB Sahara Bachat Khata 6.50%   1,000 Quarterly
NMB Umanga Bachat Khata 6.50%   500 (For Kathmandu Valley Branches), 100 (For Outside Valley Branches) Quarterly
NMB Talab Khata 6.50%   NIL Quarterly
Nari-Samman Bachat Khata 5.50%   2,000 Quarterly
Sulav Remit Savings 4.50%   NIL Quarterly
NMB Manyajan Bachat Khata 4.50%   NIL Quarterly
NMB Smart Khata 4.50%   100 Quarterly
NMB Saral Bachat Khata 5.00%   5,000 Quarterly
Nari Bachat Khata 4.50%   100 Quarterly
NMB Delight Savings 5.00%   1,000 Quarterly
Atulya Bachat Khata 4.50%   NIL Quarterly
Payroll Savings 4.50%   NIL Quarterly
Young Saver's Account 4.50%   100 Quarterly
Normal Savings 4.50%   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
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 6.50%   100 (100 Deposited by Bank) Quarterly
SSF Savings 4.50%   NIL Quarterly
Special Savings 6.50%   100 Quarterly
Happy Savings 6.50%   5,000 Quarterly
Golden Savings 6.50%   10,000 Quarterly
Silver Savings 6.50%   2,500 Quarterly
Social Security Savings 6.50%   NIL Quarterly
Surakchhit Jeevan Bachat Khata 6.50%   1,000 Quarterly
Metro Card Savings 6.50%   100 Quarterly
Metro POS Savings 6.50%   100 Quarterly
NMB Namaste LCY Savings 6.50%   10,000 Quarterly
FCY DEPOSITS        
         
US Dollar Savings 2.75% p.a.   NIL Quarterly
GBP Savings 1.00% p.a.   NIL Quarterly
EUR Savings 0.25% p.a.   NIL Quarterly
CAD Savings 1.00% p.a.   NIL Quarterly
AUD Savings 1.00% p.a.   NIL Quarterly
NMB NAMASTE FCY FD (min. 2 years)        
USD 5.75%   Minimum $10,000 or its equivalent Quarterly
GBP 4.85%   Quarterly
EUR 3.20%   Quarterly
CAD 5.50%   Quarterly
AUD 5.20%   Quarterly
Recurring Deposit        
Recurring Education Plan 6.00%    500 Quarterly
Khutruke Bachat 5.00%   100 Quarterly
Surakchhit Bal Saichhik Khata 6.50%   100 Quarterly
Recurring 42 Months (not available to new account holders) 6.50%   NIL Quarterly
Recurring 72 Months (not available to new account holders) 6.50%   1,000 Quarterly
Fixed Deposit Rates Per Annum
Tenure Institution Individual  
  New Renewal  
3 Months to Below 1 Year 8.50% 8.60% 9.25% Quarterly
1 year & above 8.50%        8.60% 9.25% Quarterly
Manyajan Muddati (1 year) - - 9.25% Quarterly
96 Days FD - - 9.25% Quarterly
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 6.5
Working Capital Loan Up to 2 2 to 4 4 to 6.5
Trust Receipt Loan Up to 2 2 to 4 4 to 6.5
Term Loan Up to 2 2 to 4 4 to 6.5
Export Loan Up to 2 2 to 4 4 to 6.5
Bridge Gap Loan Up to 2 2 to 4 4 to 6.5
SME     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 3 3 to 4 4 to 7
Working Capital Loan Up to 3 3 to 4 4 to 7
Term Loan Up to 3 3 to 4 4 to 7
Trust Receipt Loan Up to 3 3 to 4 4 to 7
Interest Subsidy Loan As per NRB Circular
M-SME & Agriculture     Prime Standard Others
MSME Loan BR+   Up to 3.5 3.5 to 5 5 to 7
NMB Sulav Karja Up to 3.5 3.5 to 5 5 to 7
Personal Business Loan Up to 3.5 3.5 to 5 5 to 7
Agriculture Loan Up to 3.5 3.5 to 5 5 to 7
Agriculture Loan (Under Subsidy) As Per NRB Circular
Retail Banking     Prime Standard Others
Housing Loan BR+   Up to 2 2 to 4 4 to 8.5
Land Purchase Up to 3 3 to 4 4 to 8.5
Auto Loan Up to 4 4 to 5 5 to 8.5
Personal Loan Up to 3 3 to 5 5 to 8.5
Professional Loan Up to 3 3 to 5 5 to 8.5
Education Loan Up to 3 3 to 4 4 to 8.5
Motorbike Loan - - Up to 8.5
Gold and Silver Loan - - Up to 8.5
Consumer Durable Loan - - 6
Other     Prime Standard Others
Loan Against Bank Guarantees/SBLC** BR+       2 to 6
Loan Against Properties Up to 3 3 to 5 5 to 7
Personal Overdraft(Retail/SME/MSME/AG) Up to 4 4 to 5 5 to 8.5
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) Up to 2 2 to 4 4 to 8.5
Electric Vehicle (Commercial) Up to 2 2 to 4 4 to 6
Electric Vehicle (Private) Up to 2 2 to 4 4 to 6
Margin Lending 2 to 3 3 to 5 5 to 8.5
Loan Against Government Securities* Base Rate+2% or Coupon Rate+2% whichever is higher
Loan Against own FDR*
Energy     Prime Standard Others
Energy Project Under Consortium Financing As decided by consortium
Hydropower Up to 4
Micro Hydro BR+   Up to 3 3 to 5 5 to 6
Solar Related Loan*** Up to 3 3 to 5 5 to 6
Bio Gas Related Up to 3 3 to 5 5 to 6
Term Loan Up to 3 3 to 5 5 to 6
Working Capital Up to 3 3 to 5 5 to 6
Trust Receipt Loan Up to 3 3 to 5 5 to 6
Retail Microfinance Loan     Prime Standard Others
Structured Low Cost Housing*** BR+   Up to 4 4 to 5 5 to 8.5
Microfinance retail 0.5 to 4 4 to 5  5 to 8.5

Returnee Migrant Loan

(Without Subsidy)

  0.5 to 4 4 to 5 5 to 8.5
Wholesale Microfinance Loan     Prime Standard Others
"D Class Banks" & Other Inst BR+   Up to 2 2 to 4 4 to 6.5
FINGO Up to 2 2 to 4 4 to 6.5
Agriculture Co-operatives Up to 2 2 to 4 4 to 6.5
Other Co-operatives & Institution Up to 3 3 to 4 4 to 6.5
FCY Loan Libor 6 Months plus Up to 5%
Base Rate & Interest Spread Rate For the month of Ashwin, 2076
 

Base Rate (BR)

10.33%
Spread Rate (With Government Securities) 4.12%
Spread Rate (Without Government Securities) 4.75%
   
Note: The listed accounts of NMB Bank Limited and erstwhile Om Development Bank Limited have been converted to respective accounts.  
Deposit Products  
Existing LCY Savings Clubbed to LCY Savings  
Share Khata Atulya Bachat Khata  
Hydro Savings Atulya Bachat Khata  
Micro Finance Savings Micro Bachat Khata  
Salary Savings Talab Khata  
Max Savings Special Savings  
Reconstruction Savings Social Security Savings  
     

* Rate applicable as per tie up agreement.

**For Consortium Loan-Rate applicable as per consortium decision.

***Applicable for new loans only.

Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts 

 

 

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