Effective From Kartik 1, 2074 (October 18, 2017)

S.No. Loan & Advances Prremium on Base Rate (% p. a.)
1 Deprived Sector Loan  
  Institutional Upto - 5%
  Others 2% - 5%
2 Export Finance 0% - 4%
3 Trust Receipt (Import Finance) 0% - 4%
4 Short Term Loan (Import Financing) 1% - 5%
5 Loan against local LC (Purchase Finance) 0.5% - 6%
6 Term Loan 1% - 6%
7 Overdraft / Cash Credit 0.5% - 6%
8 Demand Loan (Working Capital Financing) 0% - 6%
9 Pledge Loan  1% - 6%
10 Contract Loan 2% - 7%
11 Housing Loan 
  Loan Period upto 10 years 0% - 5%
  Loan Period more than 10 years 0% - 6%
12 Gold Loan 2% - 7%
13 Hire Purchase Loan
  Coverage tie up with mortgage collateral security 1% - 6%
  No coverage / no tie up with mortgage collateral security 2% - 7%
  Construction equipments 1% - 7%
 14 Personal Auto Loan  
  Brand New Vehicle 0% - 7%
  Used Vehicle 2% - 8%
15 Mortgage Loan  
  Revolving Mortgage Loan below Rs.5 Million 0% - 7%
  Revolving Mortgage Loan for Rs.5 Million & above 1% - 8%
  Schedule Mortgage Loan below Rs.5 Million 0.5% - 6%
  Schedule Mortgage Loan Rs.5 Million & above 1% - 7%
16 NB Professional Loan 2% - 8%
17 Education Loan 0.5% - 7%
18 Margin Lending 0.5% - 5%
19 Agricultural Loan* 0.5% - 4%
20 Loan against own FDR + 1.50% or min. BR + 1%
21 Loan Against Foreign bank's guarantee 3% - 5%
22 Other Loan / Force Loan 7% - 10%
23 Consortium Loan As  per consortium decision
24 Special product loan* As per product paper


*BR = Base Rate
*Refinancing Interest rate shall be applicable as per NRB Provision.