NMB Bank

Interest rate

Effective Date : Falgun 16, 2076 (February 28, 2020)

Deposit Products Rates Per annum   Minimum Balance (NPR)
LCY Saving Deposits Rates Per annum
Saral Muddati Bachhat Khata 6.50%   NIL
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 6.50%   25,000
Supreme Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 6.50%   1,000
NMB Premium Talab Khata 6.50%   NIL
NMB Premium Super Talab Khata 6.50%   NIL
NMB Super Talab Khata 6.50%   NIL
NMB Sahara Bachat Khata 6.50%   1,000
NMB Umanga Bachat Khata 6.50%   500 (For Kathmandu Valley Branches), 100 (For Outside Valley Branches)
NMB Talab Khata 6.50%   NIL
Nari-Samman Bachat Khata 5.50%   2,000
Sulav Remit Savings 4.50%   NIL
NMB Manyajan Bachat Khata 4.50%   NIL
NMB Smart Khata 4.50%   100
NMB Saral Bachat Khata 5.00%   5,000
Nari Bachat Khata 4.50%   100
NMB Delight Savings 5.00%   1,000
Atulya Bachat Khata 4.50%   NIL
Payroll Savings 4.50%   NIL
Young Saver's Account 4.50%   100  
Normal Savings 4.50%   1,000  
Sulav Muddati Savings 4.50%   NIL  
Swecchik Bachat Khata 4.50%   NIL  
Anibarya Bachat Khata 4.50%   NIL  
Micro Bachat Khata 4.50%   NIL  
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 6.50%   100 (100 Deposited by Bank)  
SSF Savings 4.50%   NIL  
Special Savings 6.50%   100  
Happy Savings 6.50%   5,000  
Golden Savings 6.50%   10,000  
Silver Savings 6.50%   2,500  
Social Security Savings 6.50%   NIL  
Surakchhit Jeevan Bachat Khata 6.50%   1,000  
Metro Card Savings 6.50%   100  
Metro POS Savings 6.50%   100  
NMB Namaste LCY Savings 6.50%   10,000  
NMB JEEVAN CHAKRA        
NMB Balapan 6.50%   50,00  
NMB Joshila Haath 6.50%   5,000  
NMB Dridh Aakansha 6.50%   5,000  
NMB Naulo Soch 6.50%   5,000  
NMB Bishwash 6.50%   5,000  
NMB Safalta 6.50%   5,000  
NMB Prerana 6.50%   50,000  
FCY DEPOSITS        
         
US Dollar Savings 2.75%   NIL  
GBP Savings 1.00%   NIL  
EUR Savings 0.25%   NIL  
CAD Savings 1.00%   NIL  
AUD Savings 1.00%   NIL  
NMB NAMASTE FCY FD (min. 2 years) *product for Non Resident Nepalese Only        
USD 5.75%   Minimum $10,000 or its equivalent  
GBP 4.85%    
EUR 3.20%    
CAD 5.50%    
AUD 5.20%    
Recurring Deposit        
Recurring Education Plan 6.00%    500  
Khutruke Bachat 5.00%   100  
Surakchhit Bal Saichhik Khata 6.50%   100  
Recurring 42 Months (not available to new account holders) 6.50%   NIL  
Recurring 72 Months (not available to new account holders) 6.50%   1,000  
NMB Mero Kramik Khata
(Recurring Deposit)
9.25%   1,000/5,000/10,000/25,000/50,000  
Fixed Deposit Rates Per Annum
Tenure Institution Individual  
  New Renewal  
3 Months to Below 1 Year 8.50% 8.60% 9.25%  
1 year & above 8.50%        8.60% 9.25%  
Manyajan Muddati (1 year) - - 9.25%  
96 Days FD - - 9.25%  
Saral Muddati Bachhat Khata     9.25%  
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 Up 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 Magh, 2076
 

Base Rate (BR)

10.15%
Spread Rate 4.92%
   
Note: The listed accounts of NMB Bank Limited and erstwhile Om Development Bank Limited have been converted to respective accounts.  
     

* 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 

 

 

Go to Last Visited Page