Interest Rates

Relevant Ratios for the Month of Jestha 2074

Base Rate 8.13%
Interest Spread LCY (As per NRB Directives) 4.05%

 

Effective from 28th April, 2017 (15th Baishak, 2074)

Deposit Interest Rates
Saving Accounts % per annum
Afnai Bachat Khata 3.50
E ZEE Student (ESA) 3.50
Keta Keti Bachat Khata 3.50
Locker account 3.50
Lotus Savings Account 3.50
Pariwar Bachat Khata 3.50
Prithivi Remittance Account 3.50
Karmachari Bachat Khata 3.75
EZEE Savings 3.50
NIBL Savings Bonanza 3.75
Surakshya Bachat Khata 3.50
Saving Branchless banking 4.50
Social Security Account 5.50
Credit Card Scheme 3.50
Access to Finance Program 3.50
Saving Trading Account 3.50
FCY Saving USD 0.25
FCY Others 0.15

 

Effective from 19th June, 2017 (5th Ashad, 2074)

Fixed Deposit (% per annum)
PARTICULARS
Prime (%)
Standard (%)
Up to 3 months 6.0 5.5
Above 3 months to 6 months 7.5 7.0
Above 6 months to less than 1 year 8.5 8.0
1 year and above 10.0 9.50
*Special Bulk Fixed Deposit Account -Individual 11.0 10.5
*Special Bulk Fixed Deposit Account -Institution 10.5 10.0
Retirement fund Account 5.0
FCY Fixed Deposit Negotiable

* Conditions apply

 

Effective from 19th June, 2017 (5th Ashad, 2074)

Lending Rates
Particular Base Rate (6.89% as of Chaitra 2073) + Premium % p.a.
Overdraft Base rate + 2.00 to 8.00
Working Capital Base rate + 2.00 to 8.00
Short term loan / Time loan Base rate + 2.50 - 8.50
Trust Receipt Base rate + 1.50 - 7.25
Export Credit Base rate + 1.50 - 7.25
Term Loan Base rate + 2.50 - 8.00
Medium Term Loan
Base rate + 2.75 -8.50
Loan for Deprived Sector*
Base rate + 1.00 to 5.50
Productive Agriculture & Livestock Loan
Base rate + 1.50 to 3.50
Personal OD / Mortgage Loan
Base rate + 3.00 to 9.00
Housing Loan
Base rate + 1.50 to 7.50
Hire Purchase
Base rate + 2.50 to 8.50
Loan against Fixed Deposit Base rate + 2.00 to 5.00 or +3% on the coupon rate which ever is higher
Loan against Govt.Bond Base rate + 1.50 to 2.50
Loan against Bonds of other Banks Base rate + 5.50 to 8.25
Loan against shares
Base rate + 4.00 to 9.00
Loan Against Lien on account balance Base rate + 0.50 to 3.00
Loan Against 1st class Guarantee Base rate + 0.50 to 6.00
Loan Against pledge of gold / silver
Base rate + 3.00 to 8.50
USD Denominated loan**
Libor + 2.00 to 5.00
Clean Social Loan
Base rate + 2.50 to 8.50
Solar Loan Base rate + 1.00 to 7.00
Loan against Life Insurance Policy Base rate + 2.50 to 5.50
Education Loan Base rate + 3.00 to 8.50
Other Loans Base rate + 8.50 to 9.50

 

Notes:

  • Lending rates shall be changed by the same percentage as change in the Base rate of the Bank published in Bank's website, on a quarterly basis.
  • *Interest rates on Direct Deprived Sector lending shall be as per the existing agreement.
  • 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.
  • Interest subsidy shall be provided as per NRB policy/subsidizing authority.
  • Penal interest @+ 2% p.a. will be applied on overdue amount/expired loan.
  • Risk premium upto+ 2.0% p.a. may be charged for watch-list clients.
  • 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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