Interest Rates

Relevant Ratios for the Month of Poush 2073

Base Rate 5.69%
Interest Spread LCY (As per NRB Directives) 4.46%

 

Effective from 18th January, 2017 (5 Magh, 2073)

Deposit Interest Rates
Saving Accounts % per annum
Afnai Bachat Khata 1.00
E ZEE Student (ESA) 1.00
Normal Savings 1.00
Keta Keti Bachat Khata 1.00
Locker account 1.00
Lotus Savings Account 1.00
Pariwar Bachat Khata 1.00
Remittance Savings Account 1.50
Karmachari Bachat Khata 2.25
EZEE Savings 1.75
NIBL Savings Bonanza 2.50
Surakshya Bachat Khata 1.00
Saving Branchless banking 1.00
Social Security Account 2.00
Credit Card Scheme 1.00
Access to Finance Program 1.5
Saving Trading Account 1.00
FCY Saving USD 0.25
FCY Others 0.15

 

Effective from 21st February, 2017 (10th Falgun, 2073)

Fixed Deposit
PARTICULARS
Prime (%)
Standard (%)
6 months 10.5 10.0
1 year 10.0 9.5
Above 1 year 9.5 9.0
*Special Bulk Fixed Deposit Account -Individual 11.0 10.5
*Special Bulk Fixed Deposit Account -Institution 10.5 10.0
**Special Fixed Deposit(For limited time period) 12.0
Retirement fund Account 5.0
FCY Fixed Deposit Negotiable

* Conditions apply

**Effective from 14th February 2017 (3 Falgun, 2073)

 

Effective from 21st February, 2017 (10th Falgun, 2073)

Lending Rates
Corporate Standard
Overdraft 9.75%-10.75% 11.75%-12.75%
Working Capital 9.5%-10.5% 11.5%-12.5%
Short term loan / Time loan 9.25%-10.25% 12.25%-13.25%
Trust Receipt upto 120 days 8.75%-9.75% 10.75%-11.75%
Export Credit 9.0%-10.0% 11.0%-12.0%
Term Loan 10.5%-11.5% 12.5%-13.5%
Medium Term Loan
10.0%-11.0%
12.0%-13.0%
Loan for Deprived Sector
5.5%-6.5%
10.0%-11.0%
Productive Sector Loan
9.0%-10.0%
11.0%-12.0%
Personal OD / Mortgage Loan
11.0%-12.0%
13.0%-14.0%
Housing Loan
8.5%-9.5%
11.0%-12.0%
Hire Purchase
10.0%-11.0%
12.0%-13.0%
Loan against Fixed Deposit 11%. or +3% on coupon rate whichever is higher
Loan against Govt.Bond 9.0%-10.0%
Loan against Bonds of other Banks 12.0%-13.0%
Loan against shares
11.0%-12.0%
13.0%-14.0%
Loan Against Lien on FCY
8.0%-9.0%
Loan Against 1st class Guarantee 7.0%-8.0% 9.0%-10.0%
Loan Against pledge of gold / silver
11.0%-12.0%
13.0%-14.0%
USD Denominated loan**
5.0%-6.0%
7.0%-8.0%
Yuva Agro Loan
8.0%-9.0%
9.0%-10.0%
Clean Social Loan 10.5%-11.5% 12.5%-13.5%
Solar Loan* *8.0%-9.0% *10.0%-11%
Loan against Life Insurance Policy
9.25%-10.25%
Education Loan 11.0%-12.0% 13.0%-14.0%
Other Loans 14.0%-15.0%

 

Notes:

 

  • Interest rates are indicative and shall be as per contractual arrangements.
  • Rate on Consortium financing as decided by consortium meetings.
  • **Rates on USD denominated loan for export credit as per NRB circular will be reviewed on quarterly basis.
  • *Solar loan interest subsidy of 75% or 50% for domestic and commercial use respectively.
  • Rates on NPA account may vary from published rates.
  • Penal interest @+ 2% p.a. will be applied on overdue amount.
  • Risk premium upto+ 2.0% may be charged if required to provide additional provisioning as per NRB directive.
  • Call deposit rates and rates under competitive bidding shall be negotiable and as agreed with customers.
  • Specific product feature, interest rate and minimum balance for various Saving Deposits will be as per prevailing  Bank’s rule and information can be obtained from Bank’s website.

 

 

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