S.No.ParticularsInterest Rate p. a. 
1 Deprived Sector Loan Institutional 4.00 % - 8.00 % 
Others 10.00 % - 12.00 %
2 Export Finance 7.50 % - 9.50 %
3 Trust Receipt (Import Finance) 7.50 % - 9.50 % 
4 Short Term Loan (Import Financing) 8.50 % - 10.50 %  
5 Loan against local LC (Purchase Finance) 9.00 % - 11.00 %   
6 Term Loan 9.50 % - 11.50 %
7 Overdraft / Cash Credit 8.50 % - 11.00 %
8 Demand Loan (Working Capital Financing) 7.00 % - 10.00 %
9 Pledge Loan  9.00 % - 11.00 %
10 Contract Loan 11.00 % - 13.00 %
11 Housing Loan 
  Loan Preiod upto 10 years 9.00 % to 11.00%
  Loan Preiod more than 10 years 9.50 % to 11.50% 
12 Gold Loan 12.00 % to 14.00% 
13 Hire Purchase Loan
  Coverage tie up with mortgage collateral security 9.00 % -  11.00 %
  No coverage / no tie up with collateral security 10.00 % - 12.00 %
  Construction equipments with collateral tie up 9.50 % -   11.50 % 
 14 Personal Auto Loan Brand New Vehicle- 8.50 % - 10.50 %
Used Vehicle - 9.50 % - 11.50 %
15 Mortgage Loan  
  Revolving (Below Rs 5 million ) 10.00 % - 12.00 %
  Revolving (Rs 5 million & Above)  11.00 % - 13.00 % 
  Schedule (Below Rs 5 million )  9.50 % - 11.50 % 
  Schedule  (Rs 5 million & Above)  10.50 % - 12.50 % 
16 NB Professional Loan 10.00 % - 12.00 % 
17 Agriculture Loan* 9.00 % - 11.00 %
18 Education Loan 12.00 % - 14.00 %
19 Margin Lending 9.00 % - 11.00 % 
20 Loan against own FDR plus 1.50%
21 Loan Against Foreign bank's guarantee 10.00 % - 12.00 %
22 Other Loan / Force Loan 14.00 % - 16.00 %
23 Consortium Loan As  per consortium decision
24 Special product loan As per product paper

*Conditions Apply
*Refinancing Interest rate shall be applicable as per NRB Provision.

Note: Penal interest will be charged @2.00% from the expiry date on overdue principal portion of loan and past due interest.