Interest Rate

Archive Interest Rate

The Bank has revised the Interest Rate on Fixed Deposit Products including recurring deposits and Sweep in and Sweep out the facility to 8.60% p.a. effective from 1st Ashwin 2078 (17th September 2021).

S.N  Saving Deposits Minimum Balance(NPR) Interest Rate(%p.a)
1 Chamatkarik Nari Bachat Khata-Silver - 3.60%
2 Chamatkarik Nari Bachat Khata-Gold 25,000 3.60%
3 Chamatkarik Nari Bachat Khata-Diamod 10,0000 3.60%
4 Chamatkarik Jestha Nagarik Bachat Khata-Silver - 3.60%
5 Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 3.60%
6 Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 3.60%
7 Chamatkarik Bachat Khata - Silver 1,000 3.60%
8 Chamatkarik Bachat Khata - Gold 25,000 3.60%
9 Chamatkarik Bachat Khata - Diamond 100,000 3.60%
10 Chamatkarik Baideshik Rojgar Bachat Khata - 3.60%
11 Chamatkarik Bachat Khata- General - 3.60%
12 Chamatkarik Udhyamshil Bachat Khata - 3.60%
13 Chamatkarik Babu Nani Bachat Khata - 3.60%
14 Chamatkarik Talab Bachat Khata - 3.60%
15 Chamatkarik Shareholder Saving Account 100 3.60%
16 Chamatkarik Youth Saving Account - 3.60%
17 Life Savings Account 10,000 3.60%
18 Samajik Surakshya Bachat Khata - 3.60%
19 Social Security Relief Account - 3.60%
20 Samriddha Nepal Sukhi Nepali Bachat Khata 100 3.60%
21 Super Chamatkarik Baideshik Rojgar Bachat Khata 500 3.60%
22 New Super Chamatkarik Bachat Khata-Silver 1,000 3.60%
23 New Super Chamatkarik Bachat Khata-Gold 25,000 3.60%
24 New Super Chamatkarik Bachat Khata-Diamond 50,000 3.60%
25 New Super Chamatkarik Nari Bachat Khata-Silver 1,000 3.60%
26 New Super Chamatkarik Nari Bachat Khata-Gold 25,000 3.60%
27 New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 3.60%
28 New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 3.60%
29 New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 3.60%
30 New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 3.60%
31 New Super Chamatkarik Talab Bachat Khata - 3.60%
32 New Super Chamatkarik Babu Nani Bachat Khata - 3.60%
33 New Super Chamatkarik Bidhyarthi Bachat Khata - 3.60%
34 New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 3.60%
35 New Super Chamatkarik Swarojgar Bachat Khata - 3.60%
36 New Super Chamatkarik Sahaj Bachat Khata - 3.60%
37 New Premium Super Chamatkarik Bachat Khata- Silver 1,000 3.60%
38 New Premium Super Chamatkarik Bachat Khata- Gold 25,000 3.60%
39 New Premium Super Chamatkarik Bachat Khata- Diamond 50,000 3.60%
40 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver 1,000 3.60%
41 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold 25,000 3.60%
42 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond 50,000 3.60%
43 New Premium Super Chamatkarik Nari Bachat Khata- Silver 1,000 3.60%
44 New Premium Super Chamatkarik Nari Bachat Khata- Gold 25,000 3.60%
45 New Premium Super Chamatkarik Nari Bachat Khata- Diamond 50,000 3.60%
46 New Premium Super Chamatkarik Talab Bachat Khata- Prime - 3.60%
47 New Premium Super Chamatkarik Talab Bachat Khata- Normal - 3.60%
48 New Premium Super Chamatkarik Sahaj Bachat Khata - 3.60%
49 New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond - 3.60%
50 New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime - 3.60%
51 New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal 500 3.60%
52 New Premium Super Chamatkarik Swarojgar Bachat Khata - 3.60%

 

LCY Masik Nichhep Khata - Individual Minimum Balance (NPR) Interest Rate(% p.a)
1 New Premium Super Chamatkarik Masik Nicchep Khata 500 8.60%
2 New Premium Super Chamatkarik Masik Nicchep Khata - Normal 500
3 New Premium Super Chamatkarik Masik Nicchep Khata - Customized -

 

LCY Fixed Deposit Interest Rate (%p.a)
Institutional Individual   
Fresh Renewal
3 months to 10 years 8.60% 8.60% 8.60%

 

LCY Fixed Deposit Interest Rate(%p.a) Rate(% p.a)
Call Deposit (NPR) Nil up to 1.80%

 

FCY Deposit Minimum Balance Rate(%p.a)
Sulav Bachat Khata  USD 25 2.00%
USD Saving Account  USD 25 2.00%
USD Super Saving Account  USD 100 2.00%
USD Premium Saving Account   Nil 2.00%
Diamond USD Saving Account USD 25 4.00%
Diamond EURO Saving Account EURO 25 3.00%
Diamond GBP Saving Account GBP 25 3.00%
Diamond AUD Saving Account AUD 25 3.00%
Other FCY Saving Deposits  (EURO, GBP, AUD) USD 25 Equivalent  2.00%

 

Sweep in & Sweep Out Deposit  Interest Rate (% p.a)
Sweep in & Sweep Out Deposit (USD) 5.00%
Sweep in & Sweep Out Deposit (EURO,GBP, AUD) 4.00%

 

FCY Fixed Deposit  (Individual) Tenure Minimum Balance Rate (% p.a)
FCY Fixed Deposit Account (Individual) (USD)                                           3 months to 1 year                    Nil 5.00%
FCY Fixed Deposit Account (Individual) (EUR, GBP, AUD) Nil 4.00%
FCY Fixed Deposit (Institutional) Tenure Minimm Balance Rate (% p.a)         
FCY Fixed Deposit Account (Institutional) (USD) Up to 1 year Nil up to 5.00%
FCY Fixed Deposit Account (Institutional) (EUR, GBP, AUD) Nil up to 4.00%

 

FCY Fixed Deposit Minimum Balance Rate(% p.a)
Call Deposit (USD, EURO, GBP, AUD) Nil up to 1%

Deposit Note: Interest Payment Frequency - Quarterly


 

The Interest rate on Loan and Advance
Retail Interest Rate
Auto Loan Floating Rate(%p.a) Fixed-Rate(%p.a)
Up to 10 Years   Base Rate + Up to 6 % 12.77%
Loan Against Mortage Property
a. NIC ASIA Home Loan OD   Base Rate + UpTo 6 %  -
b. NIC ASIA Home Equity Loa
 UpTo 15 Years Base Rate + UpTo 6 % 12.77%
 Above 15 Years     -
c. NIC ASIA Residential Home Loan
 UpTo 15 Years Base Rate + UpTo 6% 12.77%
Above 15 Years -
d. NIC ASIA Easy Home Equity Loan
 UpTo 15 Years Base Rate + UpTo 6% 12.77%
 Above 15 Years -
Education Loan
 UpTo 15 Years Base Rate + UpTo 6% 12.77%
Personal Loan (UpTo 5 Years) Base Rate + UpTo 6 % 12.77%
Foreign Employment Loan (Up to 5 Years) Base Rate + UpTo 6%  12.77%
Gold Loan Base Rate + UpTo 6%
Loan Against Share Base Rate + UpTo 6%
Loyalty Financing Facility Base Rate + UpTo 6%

 

Others Floating Rate (% p.a.) 
Export Credit  Base Rate + Up to 6%
Loan against Own FDR  Base Rate + Up to 6%
Loan against Other Bank’s Fixed Deposit Receipt  Base Rate + Up to 6%
Loan against 1st class Bank guarantee  Base Rate + Up to 6%
Loan against Government Securities (Maximum draw down 80%)  Base Rate + Up to 6%
Equipment Financing  Base Rate + Up to 6%
FCY Loan Floating Rate (% p.a.) 
FCY Loan As per NRB Directive
SME Floating Rate (% p.a.) 
Fast Track Business Loan  Base Rate + Up to 6%
Priority Business Loan  Base Rate + Up to 6%
Premium Business Loan  Base Rate + Up to 6%
Employers Overdraft Loan  Base Rate + Up to 6%
Commercial Agricultural and Livestock Loan  Base Rate + Up to 2% (Guided as per NRB Regulations)
Corporate Floating Rate (% p.a.) 
Import Credit /T.R. Loan  Base Rate + Up to 6%
Overdraft/Cash Credit/Working Capital Loans  Base Rate + Up to 6%
Term Loan  Base Rate + Up to 6%
Other Short Term Working Capital Loans  Base Rate + Up to 6%
Deprived Sector Lending Floating Rate (% p.a.) 
Deprived Sector Lending  Base Rate + Up to 6%
Base Rate Shrawan (2078): 6.84%
Interest Spread Shrawan (2078): 3.99%

Note: Loan and advances

  1. For Consortium Loans, the interest rate shall be as per consortium decision.
  2.  For Subsidy Based Deprived Sector lending, interest rates as per NRB Directives shall apply.

 

NIC Asia Bank
Helpdesk - NIC Asia Bank

Loading