Interest Rate

Effective from 8th shrawan 2074 (23rd July, 2017)
Deposits Rates Minimum Balance(NPR) Rate (%p.a.)
Saving Deposits
Karmashil Bachat Khata - 7.00
Youth Saving Account 100 7.00
Remit Saving Account 100 7.00
Sulav Bachat 500 7.00
Little Star Saving Account 500 7.00
Life Saving Account 10,000 7.00
Nari Shakti Bachat Khata - 7.00
Happy Saving Account 1,000 7.00
Shareholder Saving Account 100 7.00
Special Saving Account 5,000 7.00
Super Special Saving Account 10,000 7.00
Super Payroll Account - 7.00
Premium Saving Account 25,000 7.00
Senior Priviledged Saving - 7.00
Samrakchyak Bachat Khata - 7.00
Krishak Samriddha Bachat Khata - 7.00
Swabalambi Nari Bachat Khata - 7.00
Samajik Surakshya Bachat Khata - 7.00
Share Shuvidha Bachat Khata 500 7.00
Samunnati Bachat Khata - 9.00
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
Call Deposit Institutional (% p.a) Personal (% p.a)
Call Deposit Negotiable (Subject to NRB Directive)
Fixed Deposits Institutional (% p.a) Personal (% p.a)
1 Month 3.00 4.00
3 Months 3.50 4.50
6 Months 4.50 5.50
1 Year & below 2 Years 5.50 6.00
2 Years & below 5 years 7.00 7.50
Above 5 Years 8.00 8.50
Structured Deposits 5 years & above Negotiable (up to 9.50%) Negotiable (up to 9.50%)
Structured Deposits below 5 years Negotiable (up to 9.00%) Negotiable (up to 9.00%)
Limited Period offer Minimum Balance (NPR) Institutional (% p.a) Personal (% p.a)
1 year 100,000 8.50 9.00
Lending Rates
  Rate (% p.a.)
Export credit Upto 4%
Loan Against Own FDR Upto 3%
Loan Against Other Banks Fixed Deposit Receipt Upto 3.5%
Loan Against 1st class Bank guarantee Upto 3.5%
Against Government Securities Upto 3%
Equipment Financing Upto 5%
FCY Loan 1 Year LIBOR + 4%
Retail Rate (% p.a.)
Home Loan Upto 5%
Auto Loan Upto 5%
Sajilo Subidha (Term Loan) Upto 5%
Sajilo Subidha (Overdraft) Upto 5%
Sajilo Karja Upto 5%
Gold Loan-Demand Upto 5%
Gold Loan-Overdraft Upto 5%
Loan Against Shares Upto 5%
Foreign Employment Loan Upto 5%
Personal Loans Prime Upto 5%
Personal Loans Standard Upto 5%
Education Loan Upto 5%
Loyalty Financing Facility Upto 5%
Real Estate Loan Upto 5%
SME Rate (% p.a.)
Small Business Loans Upto 5%
Easy Business Loans Upto 5%
Medium Enterprises Upto 5%
SME Mid Market Upto 5%
Corporate Rate (% p.a.)
Import Credit/ TR Loan Upto 3%
Other Short term Working Capital Loans Upto 3.5%
Overdraft/Cash Credit/Working Capital Loans Upto 3.5%
Term Loan Upto 3.5%
Deprived Sector lending Rate (% p.a.)
Deprived Sector-Others Upto 5%
Deprived Sector-Institutional Upto 3%

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
  • In5.00-17.99terest 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, Deprived Sector loans to Minorities, Senior Citizen, differently abled, widow, war victims, 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

Last visited : 2017-06-15 nicasia.com : http://www.nicasiabank.com/retail/loans/auto-loan

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