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Interest Rates

Base Rates

S.No
Indicator
%
Description
1
Base Rate
9.39%
Ashwin End 2079
2
Cost of Fund
7.68%
Ashwin End 2079
3
Interest spread
3.88%
Ashwin End 2079
4
Base Rate (applicable)
9.18 %
(Average for 3 months) (Shrawan 2079: 9.02%, Bhadra 2079: 9.13%, Ashwin 2079: 9.39%)
Effective from 17th November, 2022
  • Deposit Rates
  • Fixed Deposit Rates
  • Lending Rates
  • Fixed Lending Interest Rates

Notes:

  • Rates on Lending shall be adjusted as per change in average base rate of the Bank on quarterly basis.
  • Penal interest of 2% shall be applied on the expired/overdue loan.
  • Rate on forced loan/lBN shall be BR + maximum published premium.
  • Rate on subsidized loan shall be BR+2.00% premium p.a. or as guided by NRB.
  • Rate on FCY denominated Loan shall be as per agreement and/or LIBOR/Benchmark plus premium subject to applicable NRB guidelines.
  • Interest rate on direct deprived sector lending shall be as per existing agreement.
  • Rate on consortium financing shall be decided by the consortium meeting.
  • Fixed interest rate shall remain fixed for the tenure of 7 years and then after shall be reviewed with mutual understanding between Bank and the client.
  • 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)

 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%  
Quarter 2 6.56% 4.14%  
Quarter 3 5.95% 3.57%  
Quarter 4 5.74% 3.33%  
         
2078-79  Period Base Rate Interest Spread Remarks
Quarter 1 6.09% 2.59%  
Quarter 2 7.21% 2.69%  
Quarter 3 8.06% 3.27%  
Quarter 4 8.54% 4.00%  
         
2079-80 Period Base Rate Interest Spread Remarks
Quarter 1 9.18% 3.88%  
Quarter 2      
Quarter 3      
Quarter 4      

 

Published Interest Rates of Past Years
Ashwin 2075 to Bhadra 2076 View Published Interest Rates
Ashwin 2076 to Bhadra 2077 View Published Interest Rates
Ashwin 2077 to Bhadra 2078 View Published Interest Rates
Ashwin 2078 to Chaitra 2078 View Published Interest Rates
Baisakh 2079 to Mangsir 2079 View Published Interest Rates