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Interest Rates

Base Rates

S.No
Indicator
%
Description
1
Base Rate
6.73%
Kartik end 2077
2
Cost of Fund
5.05%
Kartik end 2077
3
Interest spread
4.39%
Interest spread
4
Base Rate
7.34%
(Average for 3 months) (Shrawan 2077: 7.49%, Bhadra 2077: 7.33%, Ashwin 2077: 7.19%)
Effective from 14th January, 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:

  • 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%