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Base Rates
S.No
Indicator
%
Description
1
Base Rate
5.76%
Jestha end 2078
2
Cost of Fund
4.22%
Jestha end 2078
3
Interest spread
3.24%
Jestha end 2078
4
Base Rate (applicable)
5.95%
Chaitra end 2077 - (Average for 3 months) [Magh 2077: 6.05%, Falgun 2077:5.91%, Chaitra 2077: 5.90%]
Effective from 16th July, 2021
- Deposit Rates
- Fixed Deposit Rates
- Lending Rates
- Fixed Lending Rates (For 1 Year)
- Fixed Lending Rates (Upto 7 Years)
- Fixed Lending Rates (Upto 10 Years)
- Lending Rates (Prime)
Notes:
- Lending rates will remain same as published on 14th April 2021.
- Rates on Lending shall be adjusted as per change in base rate of the Bank.
- Additional Risk premium up to 2% on approved rate may be levied for loan seeking additional provisioning.
- Penal interest of 2% shall be applied on the expired/overdue loan.
- Rate on forced loan/IBN shall be BR + 5.00% premium.
- Rate on subsidized loan shall be BR+2.00% premium or as guided by per NRB.
- Rate on USD denominated loan for export credit shall be as per NRB circular and rate shall be reviewed on quarterly basis as per change in LIBOR rate.
- Interest rate on direct deprived sector lending shall be as per existing agreement.
- Rate on consortium financing shall be decided by the consortium meeting.
- Specific product feature, interest rate and minimum balance for various saving deposits will be as per information provided in Bank’s website.
- Akshyakosh rate to be decided by mutual consent between Bank and the client
Base Rate and Interest Rate Spread (3 Years data)
| 2074-75 | Period | Base Rate | Interest Spread | Remarks |
| Quarter 1 | 8.91% | 4.32% | ||
| Quarter 2 | 9.00% | 4.05% | ||
| Quarter 3 | 9.12% | 4.28% | ||
| Quarter 4 | 9.02% | 4.59% | ||
| 2075-76 | Period | Base Rate | Interest Spread | Remarks |
| Quarter 1 | 9.03% | 4.53% | ||
| Quarter 2 | 8.96% | 4.24% | ||
| Quarter 3 | 8.54% | 4.24% | ||
| Quarter 4 | 8.33% | 4.38% | ||
| 2076-77 | Period | Base Rate | Interest Spread | Remarks |
| Quarter 1 | 8.48% | 4.36% | ||
| Quarter 2 | 8.53% | 5.16% | Excluding Gov, Securities | |
| 4.41% | Including Gov. Securities | |||
| Quarter 3 | 8.53% | 5.01% | Excluding Gov, Securities | |
| 4.18% | Including Gov. Securities | |||
| Quarter 4 | 7.51% | 3.99% | ||
| 2077-78 | Period | Base Rate | Interest Spread | Remarks |
| Quarter 1 | 7.19% | 4.14% |