Interest Rate

Effective from Aswin 26, 2075 (October 12, 2018)

USD Super Savings Account2.60%

Savings Deposits Minimum Balance (NPR) Rate (% p.a.)
Karmashil Bachat Khata - 5.00
Youth Savings Account 100 5.00
Remit Savings Account 100 5.00
Sulav Bachat Khata 500 5.00
Little Star Savings Account 500 5.00
Life Savings Account 10,000 5.00
Nari Shakti Bachat Khata - 5.00
Happy Savings Account 1,000 5.00
Shareholder Savings Account 100 5.00
Share Shuvidha Bachat Khata 500 5.00
Special Savings Account 5,000 5.00
Super Special Savings Account 10,000 5.00
Super Payroll Account - 5.00
Premium Savings Account 25,000 5.00
Senior Privileged Saving Account -

5.00

Samrakchyak Bachat Khata - 5.00
Krishak Samriddha Bachat Khata - 5.00
Swabalambi Nari Bachat Khata - 5.00
Samajik Surakshya Bachat Khata - 5.00
EPS Korea Bachat Khata - 5.00
Online Bachat Khata - 5.00
Samunnati Bachat Khata - 5.00
Samunnati Plus Bachat Khata 1,000 5.00
Social Security Relief Account - 5.00
Bidhyarthi Bachat Khata - 5.00
Premium Samunnati Bachat Khata 1,000 5.00
New Premium Samunnati Bachat Khata 1,000 7.00
Others
Foreign Currency Account Minimum Balance Interest rate
Sulav Bachat Khata USD 25 2.60%
USD Savings Account USD 25 2.60%
USD  Super Saving Account USD 100 2.60%
Fixed Deposits Institutional (% p. a.) Personal (%p. a.)
3 Months up to 1 Year 9.00 10.00
About 1 Year up to 5 years 9.00 10.00
Above 5 Years 9.00 10.00
Others
Foreign Currency Deposit Minimum Balance Interest rate
USD Fixed Deposit Nil 3.00%
Short Term Fixed Deposits Interest Rate
S.No Tenure Individual(% p.a.) Institution(% p.a.) Interest Payment Frequency
1 One Months 8.50 8.50 On Maturity
2 Two Months 8.50 8.50 On Maturity
3 Three Months 8.50 8.50 On Maturity
4 Four Months 8.50 8.50 Quarterly
5 Five Months 9.00 8.50 Quarterly
6 Six Months 9.00 8.50 Quarterly
7 Seven Months 9.50 9.00 Quarterly
8 Eight Months 9.50 9.00 Quarterly
9 Nine Months 10.00 9.00 Quarterly
10 Ten Months 10.00 9.00 Quarterly
11 Eleven Months 10.00 9.00 Quarterly
Lending Rates
Retail Premium (% p.a.)
Auto Loan Up to 7.00
Home Loan Up to 7.00
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.)
Easy Business Loans Up to 7.00
Small Business Loans Up to 7.00
Medium Enterprises Up to 7.00
SME Mid-Market 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-Institutional Up to 7.00
Deprived Sector-Others 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 Bhadra 2075 is 10.64%
  • 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, 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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