With effect from 1st Magh 2073 (14th January 2017), the Bank has announced the interest Rates on Deposits and Loans products as detailed below:
Deposits Rates Minimum Balance(NPR) %p.a.
Saving Deposits
Samajik Surakshya Bachat Khata - 3.50
Swabalambi Nari Bachat Khata - 3.50
Krishak Samriddha Bachat Khata - 3.50
Samrakchyak Bachat Khata - 3.50
Senior Priviledged Saving - 3.50
Premium Saving Account 25,000 3.50
Super Payroll Account - 3.00
Super Special Saving Account 10,000 3.00
Special Saving Account 5,000 3.00
Shareholder Saving Account 100 3.00
Happy Saving Account 1,000 2.00
Nari Shakti Bachat Khata - 2.00
Life Saving Account 10,000 1.50
Little Star Saving Account 500 1.50
Sulav Bachat 500 1.50
Remit Saving Account 100 1.50
Youth Saving Account 100 1.50
Karmashil Bachat Khata - 1.50
Others
Social Account 1,000 2.00
Corporate Super Account- BFIs 100,000 1.50
USD Super Savings USD 100 1.0
FCY Savings Account FCY 25 0.50
Corporate Super Account- Others 100,000 Up to 2.00
Business 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
Above 1 Year & Upto 3 Years (Limited Period Offer) 100,000 10.00%
1 year (Limited Period Offer) 100,000 9.50%
Structured Deposits below 5 years - Negotiable (up to 7.50%)
Structured Deposits 5 years & above - Negotiable (up to 8.00%)
NIC Sikshya Kosh (Recurring Fixed Deposits) 100 Up to 5.00%
NIC Super Deposits
Base Rate - 6.89 %
3 Years - 5.50
5 Years - 6.00
Lending Rates %p.a.
Cash Credit/Short Term Loans/ Overdrafts
Auto Loan 9.49- 13.49
Home Loan 9.49-12.99
Sajilo Subidha (Overdraft) 10.99-13.99
Sajilo Subidha (Term Loan) 9.99-12.99
Medium Enterprises 9.99-14.49
Home Loan (Upto 5 Years) 8.49
Agricultural Loans For Youths 6.00
Other Loans/Personal Loans 13.49-15.99
Loan Against Shares 11.49-12.99
Sajilo Karja 11.99-13.99
Gold Loan-Overdraft 12.49
Gold Loan-Demand 11.99
Equipment Financing 13.00-15.00
Easy Business Loans 10.49-13.49
Small Business Loans 10.49-14.49
Against Government Securities Plus 3% or minimum 10.50%
Against Own FDR Plus 3% or minimum 10.5%
Against Other Bank's Fixed Deposit Receipt Plus 3% or minimum 11.00%
Against 1st class Bank guarantee 10.00-12.00
Deprived Sector-Institutional 7.50-12.50
Deprived Sector-Others 10.99-14.99
Education Loan 10.99-12.49
SME Mid Market 9.99- 11.99
Export Credit 9.50-12.00
Corporate/ Multinational
Term Loan 10.00- 12.50
Import Credit/ TR Loan 8.50-10.50
Overdraft/Cash Credit/Working Capital Loans 9.50-13.00
Other Short term Working Capital Loans 9.00-12.00

Interest rates are indicative and are subject to variation

interest rate
Last visited : 2017-01-21 nicasia.com : http://www.nicasiabank.com/retail/loans/gold-loan
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