Current Interest Rate

Savings Deposits Minimum Balance (NPR) Rate (% p.a.)
Karmashil Bachat Khata - 4.75
Youth Savings Account 100 4.5
Remit Savings Account 100 4.75
Sulav Bachat Khata 500 4.5
Little Star Savings Account 500 4.5
Life Savings Account 10,000 4.5
Nari Shakti Bachat Khata - 4.75
Happy Savings Account 1,000 4.5
Shareholder Savings Account 100 4.5
Share Shuvidha Bachat Khata 500 4.5
Special Savings Account 5,000 4.5
Super Special Savings Account 10,000 4.5
Super Payroll Account - 4.75
Premium Savings Account 25,000 4.5
Senior Privileged Saving Account -

4.75

Samrakchyak Bachat Khata - 4.5
Krishak Samriddha Bachat Khata - 4.5
Swabalambi Nari Bachat Khata - 4.75
Samajik Surakshya Bachat Khata - 4.5
EPS Korea Bachat Khata - 4.5
Online Bachat Khata - 4.5
Samunnati Bachat Khata - 4.5
Samunnati Plus Bachat Khata 1,000 4.5
Social Security Relief Account - 4.5
Bidhyarthi Bachat Khata - 4.75
Premium Samunnati Bachat Khata 1,000 4.5
New Premium Samunnati Bachat Khata 1,000 6.50
Chamatkarik Bachat Khata 1,000 6.50
Chamatkarik Online Bachat Khata - 6.50
Babu Nani Bachat Khata - 6.50
Baideshik Rojgar Bachat Khata 500 6.50
Udhyamshil Bachat Khata 500 6.50
Chamatkarik Bachat Khata-Silver 1,000 6.50
Chamatkarik Bachat Khata-Gold 25,000 6.50
Chamatkarik Bachat Khata-Diamond 100,000 6.50
Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.50
Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.50
Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 6.50
Chamatkarik Nari Bachat Khata-Silver 1,000 6.50
Chamatkarik Nari Bachat Khata-Gold 25,000 6.50
Chamatkarik Nari Bachat Khata-Diamond 100,000 6.50
Chamatkarik Talab Bachat Khata - 6.50
Chamatkarik Babu Nani Bachat Khata - 6.50
Chamatkarik Bidhyarthi Bachat Khata - 6.50
Chamatkarik Udhyamshil Bachat Khata 500 6.50
Chamatkarik Baideshik Rojgar Bachat Khata 500 6.50
Chamatkarik Swarojgar Bachat Khata - 6.50
Samriddha Nepal Sukhi Nepali Bachat Khata 100 6.50
Chamatkarik Bachat Khata – Silver (for FD) - 6.50
Chamatkarik Bachat Khata – Gold (for FD) - 6.50
Chamatkarik Bachat Khata – Diamond (for FD) - 6.50
Chamatkarik Fixed Deposit (3 months Upto 1 Year) Minimum Balance Interest Rate (p.a)
Institutional Individual
Fresh Renewal
Chamatkarik Fixed Deposit-Silver 100,000 8.50% 8.60% 9.25%
Chamatkarik Fixed Deposit-Gold 1,000,000 8.50% 8.60% 9.25%
Chamatkarik Fixed Deposit-Diamond 2,500,000 8.50% 8.60% 9.25%

Other Fixed Deposits

 Minimum Balance

Interest Rate (p.a)

Institutional 
Individual
Fresh Renewal
3 Months Upto 10 Years NIL 8.50% 8.60% 9.25%
FCY Deposits Minimum Balance Rate (% p.a.)
USD Sulav Bachat Khata USD 25 2.60%
USD Savings Account USD 25 2.60%
USD Super Saving Account USD 100 2.60%
USD Premium Savings Account NIL 2.60%
FCY Fixed Account NIL Negotiable
Other Deposits Minimum Balance Rate (% p.a.)
NIC ASIA Sikshya  Kosh & Sikshya Kosh Plus Account 100 Up to 4.5%
Recurring Deposit 500 9.25%
Call Deposit
Negotiable (Subject to NRB Directive)
Recurring Deposit Interest Rate (p.a)
Chamatkarik Recurring Deposit (Individual) 9.25%
Others
Fixed Deposits Institutional (% p. a.) Personal (%p. a.)
1 Month Upto 10 Years - Fresh 8.50 9.25
1 Month Upto 10 Years - Renewal 8.60 9.25
Others
Foreign Currency Deposit Minimum Balance Interest rate
USD Fixed Deposit Nil Negotiable
Lending Rates
Retail Premium (% p.a.)
Auto Loan Up to 7.00
Home Loan  
a. Home Loan OD Up to 7%
b. Home Equity Loan Up to 7%
c. Residential Home Loan Up to 7%
Gold Loan Up to 7%
Sajilo Subidha (Term Loan) Up to 7.00
Sajilo Subidha (Overdraft) Up to 7.00
Sajilo Karja Up to 7.00
Gold Loan- Demand Up to 7.00
Gold Loan- Overdraft Up to 7.00
Loan Against Share Up to 7.00
Personal Loan Up to 7.00
Education Loan Up to 7.00
Foreign Employment Loan Up to 7.00
Loyalty Financing Facility Up to 7.00
Real Estate Loan Up to 7.00
Chamatkarik Sawari Karza Base rate plus 0.12% to 1.32% premium
Chamatkarik Ghar Jagga Karza Base rate plus 0.12% to 2.52% premium
SME Premium (% p.a.)
Fast Track Business Loan Up to 7.00
Priority Business Loan Up to 7.00
Premium Business Loan Up to 7.00
Commercial Agricultural and Livestock Loan Up to 7.00
Corporate Premium (% p.a.)
Import Credit /TR. Loan Up to 7.00
Overdraft/Cash Credit/Working Capital Loans Up to 7.00
Term Loan Up to 7.00
Other Short Term Working Capital Loans Up to 7.00
Deprived Sector Lending Premium (% p.a.)
Deprived Sector-Direct Up to 7.00
Deprived Sector-Indirect Up to 7.00
Others Premium (% p.a.)
Export Credit Up to 7.00
Loan against Own FDR Up to 7.00
Loan against Other Bank’s Fixed Deposit Receipt Up to 7.00
Loan against 1st class Bank guarantee Up to 7.00
Loan against Government Securities (Max draw down 80%) Up to 7.00
Agricultural Loans for Youths Up to 7.00
Equipment Financing Up to 7.00
FCY Loan Up to 1 Year LIBOR + 4

Notes:

  • Base rate for the month Baisakh 2076 is 9.36%
  • Interest spread rate for the month Baisakh 2076 is 4.73%
  • 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, 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

NEWS/PRESS RELEASE

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