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Interest Rates

Base Rates

S.No
Indicator
%
Description
1
Base Rate
7.33%
Bhadra end 2077
2
Cost of Fund
5.62%
Bhadra end 2077
3
Interest spread
4.38%
Interest spread
4
Base Rate
7.88%
(Average for 3 months) (Basisakh: 8.19%, Jestha: 7.95%, Asadh: 7.51%)
Effective from 17 October, 2020
  • 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:

  • Rates on Lending shall be adjusted as per change in base rate of the Bank.
  • Additional Risk premium up to 2% on approved rate shall be levied for loan seeking additional provisioning.
  • Penal interest of 2% shall be applied on the expired/overdue loan.
  • Rate on forced loan/lBN shall be BR + 5.00% premium.
  • Rate on subsidized loan shall be BR+2.00% premium or as guided b) per NRB.
  • Rale 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.