Effective from 10th Chaitra 2073 (23rd March 2017)
Deposits Rates Minimum Balance(NPR) %p.a.
Saving Deposits
NIC ASIA Visa Debit Card -
Super Special Savings Account -
Youth Saving Account 100 1.50
Remit Saving Account 100 1.50
Sulav Bachat 500 1.50
Little Star Saving Account 500 1.50
Life Saving Account 10,000 1.50
Nari Shakti Bachat Khata - 2.00
Shareholder Saving Account 100 3.00
Special Saving Account 5,000 3.00
Super Special Saving Account - -
Super Payroll Account - 3.00
Premium Saving Account 25,000 3.50
Senior Priviledged Saving - 3.50
Samrakchyak Bachat Khata - 3.50
Krishak Samriddha Bachat Khata - 3.50
Swabalambi Nari Bachat Khata - 3.50
Samajik Surakshya Bachat Khata - 3.50
Happy Savings Account -
Little Star Savings Account 500 1.50
Share Shuvidha Bachat Khata 500 3.00
Gold Loan -
Others
NIC Sikshya kosh (Recurring Fixed Deposits) 100 Upto 5.00
Business Account 1,000 2.00
Corporate Super Account- Others 100,000 Up to 2.00
FCY Savings Account FCY 25 0.50
USD Super Savings USD 100 1.0
Corporate Super Account- BFIs 100,000 1.50
Social Account 1,000 2.00
Fixed Deposits Institutional (% p.a) Personal (% p.a)
1 Month 4.00 5.00
3 Months 4.50 5.50
6 Months 5.50 6.50
1 Year & below 2 Years 6.50 7.00
2 Years & below 5 years 7.00 7.50
Above 5 Years 8.00 8.50
NIC ASIA Dhanbarcha muddati (Limited Period offer, Minimum balance 100,000) 12.00 12.00
Swornim Muddati Khata, 3months(Limited Period offer, Minimum balance 100,000) 9.00 9.00
Swornim Muddati Khata, 6months(Limited Period offer, Minimum balance 100,000) 10.00 10.00
Swornim Muddati Khata, 9months(Limited Period offer, Minimum balance 100,000) 11.00 11.00
Swornim Muddati Khata, 12months(Limited Period offer, Minimum balance 100,000) 12.00 12.00
Structured Deposits 5 years & above - Negotiable (up to 8.00%)
Structured Deposits below 5 years - Negotiable (up to 7.50%)
1 year (Limited Period Offer, Minimum Balance 100,000) - 9.50%
Above 1 Year & Upto 3 Years (Limited Period Offer, Minimum Balance 100,000) - 10.00%
Short Term Fixed Deposit 100 days (Limited Period Offer,Minimum Balance 200,000) - 8.00
Short Term Fixed Deposit150 days(Limited Period Offer, Minimum Balance 200,000) - 8.50
NIC ASIA International Visa Card -
NIC Super Deposits
- - -
Lending Rates %p.a.
Cash Credit/Short Term Loans/ Overdrafts
Real Estate Loan 14.99- 17.99
Loyalty Financing Facility 13.49-16.49
Foreign Employment Loan 11.49-14.49
Personal Loans Standard 14.99-17.99
Personal Loans Prime 11.99-14.99
Export Credit 10.50-13.50
SME Mid Market 11.49- 15.49
Education Loan 12.99-15.99
Deprived Sector-Others 13.99-16.99
Deprived Sector-Institutional 9.00-12.00
Against 1st class Bank guarantee 13.00-16.00
Against Other Bank's Fixed Deposit Receipt Plus 3% or minimum 13%
Against Own FDR Plus 3% or minimum 12%
Against Government Securities( Max draw down 80%) Plus 3% or minimum 13.00%
Small Business Loans 11.99-15.49
Easy Business Loans 11.99-15.99
Equipment Financing 15.00-17.99
Gold Loan-Demand 15.99
Gold Loan-Overdraft 16.99
Sajilo Karja 13.49-16.49
Loan Against Shares 14.99-17.99
Agricultural Loans For Youths 6.00
Home Loan (Upto 5 Years) 9.99
Medium Enterprises 11.49-15.49
Sajilo Subidha (Term Loan) 11.49-15.49
Sajilo Subidha (Overdraft) 12.49-16.49
Home Loan 10.99-15.49
Auto Loan 10.99- 15.49
Corporate/ Multinational
Other Short term Working Capital Loans 11.00-14.50
Overdraft/Cash Credit/Working Capital Loans 11.50-14.50
Import Credit/ TR Loan 10.50-13.50
Term Loan 11.50- 15.00

Notes:

  • Interest rates are indicative and are subject to variation.
  • Rate on default account and watch list account may vary from the above published rates
  • Interest Rate on consortium loans shall be as decided by consortium.
  • Interest rates on specified loans directed by Nepal Rastra Bank (like Agricultural loan for youth, refinance, export oriented units in FCY, etc.) shall be as stated by Nepal Rastra Bank circular/directive.
  • Penal interest rate shall be charged at the rate of additional 2% p.a. on principal overdue and/or interest overdue on loan amount or deal or contract outstanding from the time interest and/or principal becomes overdue on the respective loan amount or deal or contract.
  • In case of temporary overdrawn account, highest published rate for the amount excess to the limit shall be charged.
  • Other Interest rates remains unchanged
interest rate
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