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Interest Rates

Base Rates

S.No
Indicator
%
Description
1
Base Rate
5.76%
Jestha end 2078
2
Cost of Fund
4.22%
Jestha end 2078
3
Interest spread
3.24%
Jestha end 2078
4
Base Rate (applicable)
5.95%
Chaitra end 2077 - (Average for 3 months) [Magh 2077: 6.05%, Falgun 2077:5.91%, Chaitra 2077: 5.90%]
Effective from 16th July, 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:

  • Lending rates will remain same as published on 14th April 2021.
  • Rates on Lending shall be adjusted as per change in base rate of the Bank.
  • Additional Risk premium up to 2% on approved rate may 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.
  • 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%