Effective From Shrawan 1, 2074 (July 16, 2017)

S.No. Loan & Advances Interest Rate p. a. 
1 Deprived Sector Loan  
  Institutional BR + Upto 5%
  Others BR+ 2%-5%
2 Export Finance BR + 0.50%-4%
3 Trust Receipt (Import Finance) BR + 0.50%-4%
4 Short Term Loan (Import Financing) BR+ 1%-5%
5 Loan against local LC (Purchase Finance) BR+2%-6%
6 Term Loan BR+ 3%-6%
7 Overdraft / Cash Credit BR+2%-6%
8 Demand Loan (Working Capital Financing) BR+2%-6%
9 Pledge Loan  BR+ 3%-6%
10 Contract Loan BR + 4%-7%
11 Housing Loan 
  Loan Period upto 10 years BR+2%-5%
  Loan Period more than 10 years BR+2%-6%
12 Gold Loan BR+4%-7%
13 Hire Purchase Loan
  Coverage tie up with mortgage collateral security BR+ 2%-6%
  No coverage / no tie up with collateral security BR+ 3%-7%
  Construction equipments with collateral tie up BR + 3%-7%
 14 Personal Auto Loan  
  Brand New Vehicle BR+2%-7%
  Used Vehicle BR+3%-8%
15 Mortgage Loan  
  Revolving Mortgage Loan below Rs.5 Million BR+3%-7%
  Revolving Mortgage Loan for Rs.5 Million & above BR+4%-8%
  Schedule Mortgage Loan below Rs.5 Million BR+2%-6%
  Schedule Mortgage Loan Rs.5 Million & above BR + 3%-7%
16 NB Professional Loan BR + 5%-8%
17 Education Loan BR+ 4%-7%
18 Margin Lending BR + 2.00% to 5.00 %
19 Agricultural Loan BR + 0.50 % to 4.00 %
20 Loan against own FDR + 1.50% or min. BR + 1%
21 Loan Against Foreign bank's guarantee BR+ 3%-5%
22 Other Loan / Force Loan BR + 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.