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/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.
- Lending lnterest rates will remain same as published on 30th Mangsir 2077.
- Rates on Lending shall be adjusted as per change in base rate of the Bank on every 15th of Nepali Calendar month.
- 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% |
|