Apply for Services
Useful Links

Interest Rate

Effective From Mangsir 01, 2078 (i.e. November 17, 2021)


1. Saving Deposit

SN. Product Interest Rate (p.a.) Minimum Balance (NPR)
1. Social Security Deposit 5.05% NIL
2. Normal Saving 5.05% NPR 1,000
3. Saving Plus Account 5.05% NPR 1,000
4. Rajat Bachat 5.05% NPR 25*
5. Gaurav Bachat Khata 5.05% NPR 10,000
6. Saral Bachat Khata 5.05% NPR 100
7. Sambridhi Bachat Khata 5.05% NPR 10,000
8. Sagaurav Bachat Khata 5.05% NPR 10,000
9. Bal Bachat Khata / Child Welfare Scheme 5.05% NPR 500
10. Anniversary Saving Account 5.05% NPR 10,000
11. Share Dhani Bachat Khata 5.05% NPR 100
12. Grihini Bachat Khata 5.05% NPR 1,000
13. Employee Saving Account 5.05% NIL

Remittance deposit 1% above published rate*(conditions apply)

 

2. Fixed Deposit

S.N. Period Interest Rate p.a
A. Individual  
1 3 Months and Above 10.05%
B.  Institutional  
2 3 Months and Above 9.05%
            Renewal by bidding additional 0.1% on published rate
C. NB Muddati Yojana 10.05%

3. FCY Deposit

S.N. Currency Interest Rate (p.a.) Minimum Balance
1. US Dollar 2.75% 100
2. Euro 0.50% 100
3. GBP 0.50% 100
4. CAD 0.50% 100
5. CHF 0.25% 100
6. AUD 0.50% 100

4. Loan And Advances

S.N. Loan & Advance Premium on Base Rate (% p.a.)
1. Deprived Sector Loan  
  Institutional 0.50% - 4.00%
Others 2.00% - 5.00%
2. Export Finance 1.00%   4.00%
3. Trust Receipt (Import Finance) 1.00% - 4.00%
4. Short Term Loan (Import Finance) 1.50% - 5.00%
5. Loan against local LC (Purchase Finance) 1.50% - 4.00%
6. Term Loan 2.00% - 5.00%
7. Overdraft/Cash Credit 1.00% - 5.00%
8. Demand Loan (Working Capital Financing) 1.00% - 5.00%
9. Schedule Demand Loan 1.00% - 5.00%
10. Pledge Loan 2.00% - 5.00%
11. Contract Loan 3.00% - 5.00%
12. Housing Loan 1.00% - 5.00%
13. Gold Loan 1.50% - 5.00%
14. Hire Purchase Loan  
Coverage/tie up with mortgage collateral security 1.00% - 5.00%
No coverage/no tie up with mortgage collateral security 2.00% - 5.00%
Construction Equipments 2.00% - 5.00%
15. Personal Auto Loan  
Brand New Vehicle 1.00% - 5.00%
Used Vehicle 2.00% - 5.00%
16. Mortgage Loan  
Revolving Mortgage Loan 2.00% - 5.00%
Schedule Mortgage Loan 2.00% - 5.00%
17. NB Professional Loan 3.00% - 5.00%
18. Education Loan 1.50% - 5.00%
19. Margin Lending 2.00 - 5.00%
20. Loan Against Own FDR Plus 1.50 on FDR Rate
21.
Credit Against Own FDR 
1% to 5% over the base rate or 1% plus on FDR rate, whichever is higher
22. Loan against Foreign bank's guarantee 1.00% - 5.00%
23. Other Loan/Force Loan 4.00% - 5.00%
24. Consortuim Loan  As per Consortium Decision but not less than base rate
25. Special Product Loan As per Product Paper

5. Fixed Interest Rate Loan

 

S.N. Fixed Interest Rate Loan Period Interest Rate (p.a.)
1. Auto Loan Up to 5 years 9.99%
Above 5 years 10.99%
2. Housing Loan Up to 5 years 9.99%
5-10 years 10.99%
10-20 years 11.49%
3. SML (Schedule Mortgage Loan) Up to 5 years 10.99%
5-10 years 11.99%
Above 10 years 12.99%
4. Educational Loan Up to 5 years 11.99%
5-10 years 12.99%
5. Professional Loan Up to 3 years 11.99%
3-5 years 12.99%

 

Click here to view the old interest rate