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 13th April, 2017 (31st Chaitra, 2073)

Deposit Interest Rates
Saving Accounts % per annum
Afnai Bachat Khata 2.50
E ZEE Student (ESA) 2.50
Keta Keti Bachat Khata 2.50
Locker account 2.50
Lotus Savings Account 2.50
Pariwar Bachat Khata 2.50
Prithivi Remittance Account 2.50
Karmachari Bachat Khata 2.50
EZEE Savings 2.50
NIBL Savings Bonanza 2.50
Surakshya Bachat Khata 2.50
Saving Branchless banking 4.00
Social Security Account 4.50
Credit Card Scheme 2.50
Access to Finance Program 2.50
Saving Trading Account 2.50
FCY Saving USD 0.25
FCY Others 0.15

 

Effective from 13th April, 2017 (31st Chaitra, 2073)

Fixed Deposit
PARTICULARS
Prime (%)
Standard (%)
1 month 5.5 5.0
3 months 6.5 6.0
6 months 7.5 7.0
1 year 10.5 10.0
Above 1 year 10.5 10.0
*Special Bulk Fixed Deposit Account -Individual 11.5 11.0
*Special Bulk Fixed Deposit Account -Institution 11.0 10.5
Retirement fund Account 5.0
FCY Fixed Deposit Negotiable

* Conditions apply

 

Effective from 13th April, 2017 (31st Chaitra, 2073)

Lending Rates
Corporate Standard
Overdraft 9.75%-11.75% 12.75%-13.75%
Working Capital 9.75%-11.75% 12.75%-13.75%
Short term loan / Time loan 10.25%-12.25% 13.25%-14.25%
Trust Receipt 9.00%-11.00% 12.00%-13.00%
Export Credit 9.00%-11.00% 12.00%-13.00%
Term Loan 10.25%-12.25% 13.25%-14.25%
Medium Term Loan
10.50%-12.50%
13.50%-14.50%
Loan for Deprived Sector
5.50%-7.50%
9.00%-11.00%
Productive Agriculture & Livestock Loan*
9.00%-10.00%
Personal OD / Mortgage Loan
11.00%-13.00%
14.00%-15.00%
Housing Loan
9.50%-11.50%
12.50%-13.50%
Hire Purchase
10.50%-12.50%
13.50%-14.50%
Loan against Fixed Deposit 11%. or +3% on coupon rate whichever is higher
Loan against Govt.Bond 9.00%-10.00%
Loan against Bonds of other Banks 13.00%-14.00%
Loan against shares
11.50%-13.50%
14.50%-15.50%
Loan Against Lien on account balance
8.00%-9.00%
Loan Against 1st class Guarantee 8.00%-10.00% 11.00%-12.00%
Loan Against pledge of gold / silver
11.00%-13.00%
14.00%-15.00%
USD Denominated loan**
5.00%-7.00%
8.00%-9.00%
Clean Social Loan
10.50%-12.50%
13.50%-14.50%
Solar Loan* 9.00%-11.00% 12.00%-13.00%
Loan against Life Insurance Policy
10.00%-11.00%
Education Loan 11.00%-13.00% 14.00%-15.00%
Other Loans
15.00%-16.00%

 

Notes:

  • Interest rates are indicative and shall be as per contractual arrangements.
  • Rate on Consortium financing as decided by consortium meetings.
  • Interest subsidy* shall be provided as per NRB policy/subsidizing authority.
  • Rates on USD denominated loan** for export credit as per NRB circular will be reviewed on quarterly basis.
  • 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.
  • Fixed deposit 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 is available in Bank's website.
 

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