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Base Rates
S.No
Indicator
%
Description
1
Base Rate
8.53%
Jestha End 2079
2
Cost of Fund
6.92%
Jestha End 2079
3
Interest spread
4.05%
Jestha End 2079
4
Base Rate (applicable)
8.06 %
(Average for 3 months) (Magh 2078: 7.65%, Falgun 2078: 8.16%, Chaitra 2078: 8.38%) ( Effective from 14th April, 2022 )
Effective from 15th June, 2022
- Deposit Rates
- Fixed Deposit Rates
- Lending Rates
- Fixed Lending Interest Rates
Notes:
- Rates on Lending shall be adjusted as per change 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/IBN shall be BR + 6.00% permium.
- Rate on subsidized loan shall be BR + 2.00% premium or as guided by per NRB.
- Rate on FCY denominated Loan shall be as per agreement and/or LIBOR/Benchmark plus premium subject to applicable NRB gudelines.
- 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 on long term retail loan shall remain fixed for the tenure of 7 years and shall be reviewed periodically thereafter.
- Specific product feature, interest rate and minimum balance for various saving deposit 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% | ||
| 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 2978 | View Published Interest Rates |
| Ashwin 2078 to Chaitra 2078 | View Published Interest Rates |
| 2079 | View Published Interest Rates |