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Interest Rates

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