Interest Rate

NIC Asia offers the most attractive and competitive bank interest rates in Nepal for both deposit and loan to cater to your financial requirements .

Refer to the given interest rate table to understand the figures in detail.

Effective from 18th Ashad 2077, (2nd July, 2020)

A. Deposit
Savings Deposits Minimum Balance (NPR) Interest Rate (% p.a)
Youth Savings Account 100 2.5%
Sulav Bachat Khata 500 2.5%
Life Savings Account 10,000 2.5%
Happy Savings Account 1,000 2.5%
Shareholder Savings Account 100 2.5%
Share Shuvidha Bachat Khata 500 2.5%
Special Savings Account 5,000 2.5%
Super Special Savings Account 10,000 2.5%
Premium Savings Account 25,000 2.5%
Samrakchyak Bachat Khata - 2.5%
Krishak Samriddha Bachat Khata - 2.5%
Samajik Surakshya Bachat Khata - 2.5%
Social Security Relief Account - 2.5%
EPS Korea Bachat Khata - 2.5%
Online Bachat Khata - 2.5%
Samunnati Bachat Khata - 2.5%
Samunnati Plus Bachat Khata 1,000 2.5%
Premium Sammunati Bachat Khata 1,000 2.5%
Bidhyarthi Bachat Khata - 2.5%
Karmashil Bachat Khata - 2.5%
Little Star Savings Account 500 2.5%
Nari Shakti Bachat Khata - 2.5%
Remit Savings Account 100 2.5%
Senior Privileged Saving Account - 2.5%
Super Payroll Account - 2.5%
Swabalambi Nari Bachat Khata - 2.5%
New Premium Sammunati Bachat Khata 1,000 2.5%
Chamatkarik Bachat Khata-Silver 1,000 2.5%
Chamatkarik Bachat Khata-Gold 25,000 2.5%
Chamatkarik Bachat Khata-Diamond 100,000 2.5%
Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 2.5%
Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 2.5%
Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 2.5%
Chamatkarik Nari Bachat Khata-Silver 1,000 2.5%
Chamatkarik Nari Bachat Khata-Gold 25,000 2.5%
Chamatkarik Nari Bachat Khata-Diamond 100,000 2.5%
Chamatkarik Talab Bachat Khata - 2.5%
Chamatkarik Babu Nani Bachat Khata - 2.5%
Chamatkarik Bidhyarthi Bachat Khata - 2.5%
Chamatkarik Udhyamshil Bachat Khata 500 2.5%
Chamatkarik Baideshik Rojgar Bachat Khata 500 2.5%
Samriddha Nepal Sukhi Nepali Bachat Khata 100 2.5%
Chamatkarik Swarojgar Bachat Khata - 2.5%
Babu Nani Bachat Khata - 2.5%
Baidesik Rojgar Bachat Khata 500 2.5%
Chamatkarik Bachat Khata 1,000 2.5%
Chamatkarik Online Bachat Khata - 2.5%
Udhyamshil Bachat Khata 500 2.5%
Super Chamatkarik Bachat Khata-Silver 1,000 2.5%
Super Chamatkarik Bachat Khata-Gold 25,000 2.5%
Super Chamatkarik Bachat Khata-Diamond 100,000 2.5%
Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 2.5%
Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 2.5%
Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 2.5%
Super Chamatkarik Nari Bachat Khata-Silver 1,000 2.5%
Super Chamatkarik Nari Bachat Khata-Gold 25,000 2.5%
Super Chamatkarik Nari Bachat Khata-Diamond 100,000 2.5%
Super Chamatkarik Talab Bachat Khata - 2.5%
Super Chamatkarik Babu Nani Bachat Khata - 2.5%
Super Chamatkarik Bidhyarthi Bachat Khata - 2.5%
Super Chamatkarik Swarojgar Bachat Khata - 2.5%
Super Chamatkarik Udhyamshil Bachat Khata 500 2.5%
Super Chamatkarik Baideshik Rojgar Bachat Khata 500 2.5%
New Super Chamatkarik Bachat Khata-Silver 1,000 2.5%
New Super Chamatkarik Bachat Khata-Gold 25,000 2.5%
New Super Chamatkarik Bachat Khata-Diamond 50,000 2.5%
New Super Chamatkarik Nari Bachat Khata-Silver 1,000 2.5%
New Super Chamatkarik Nari Bachat Khata-Gold 25,000 2.5%
New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 2.5%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 2.5%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 2.5%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 2.5%
New Super Chamatkarik Talab Bachat Khata - 2.5%
New Super Chamatkarik Babu Nani Bachat Khata - 2.5%
New Super Chamatkarik Bidhyarthi Bachat Khata - 2.5%
New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 2.5%
New Super Chamatkarik Swarojgar Bachat Khata - 2.5%
New Super Chamatkarik Sahaj Bachat Khata - 2.5%
New Premium Super Chamatkarik Bachat Khata-Silver 1,000 4.5%
New Premium Super Chamatkarik Bachat Khata-Gold 25,000 4.5%
New Premium Super Chamatkarik Bachat Khata-Diamond 50,000 4.5%
New Premium Super Chamatkarik Nari Bachat Khata-Silver 1,000 4.5%
New Premium Super Chamatkarik Nari Bachat Khata-Gold 25,000 4.5%
New Premium Super Chamatkarik Nari Bachat Khata-Diamond 50,000 4.5%
New Premium Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 4.5%
New Premium Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 4.5%
New Premium Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 4.5%
New Premium Super Chamatkarik Talab Bachat Khata-Prime - 4.5%
New Premium Super Chamatkarik Talab Bachat Khata-Normal - 4.5%
New Premium Super Chamatkarik Babu Nani Bachat Khata - 4.5%
New Premium Super Chamatkarik Bidhyarthi Bachat Khata - 4.5%
New Premium Super Chamatkarik Baideshik Rojgar Bachat Khata 500 4.5%
New Premium Super Chamatkarik Swarojgar Bachat Khata - 4.5%
New Premium Super Chamatkarik Sahaj Bachat Khata - 4.5%
 LCY Fixed Deposit (Upto 1 Year)   Minimum Balance (NPR) Interest Rate (% p.a)
New Premium Super Chamatkarik Individual Fixed Deposit-Silver  100,000 8.25%
New Premium Super Chamatkarik Individual Fixed Deposit-Gold 1,000,000 8.25%
New Premium Super Chamatkarik Individual Fixed Deposit-Diamond 2,500,000 8.25%
LCY Masik Nicchep Khata - Individual Minimum Balance (NPR) Interest Rate (% p.a.)
New Super Chamatkarik Masik Nicchep Khata 500 8.25%
New Premium Super Chamatkarik Masik Nichhep Khata-Normal 500 8.25%
New Premium Super Chamatkarik Masik Nichhep Khata-Customized - 8.25%
LCY Fixed Deposit   Minimum Balance (NPR) Interest Rate (% p.a.)
Institutional Individual
Fresh Renewal
3 months to 10 years - 7% 7.1% 8.25%
LCY Deposits - Other  Minimum Balance (NPR) Rate (% p.a.)
NIC ASIA Sikshya  Kosh & Sikshya Kosh Plus Account 100 Up to 4.5%
Call Deposit Negotiable (Subject to NRB Directive)
FCY Deposits Minimum Balance Rate (% p.a.)
Sulav Bachat Khata USD 25 2.6%
USD Savings Account USD 25 2.6%
USD Super Saving Account USD 100 2.6%
USD Premium Savings Account NIL 2.6%
FCY Fixed Account NIL Negotiable
FCY Fixed Deposit for NRN (Minimum 2 Years) Minimum Balance Rate (% p.a.)
FCY Fixed Deposit Account (USD)  USD 10,000 or Equivalent  5%
FCY Fixed Deposit Account (EURO) 2.5%
FCY Fixed Deposit Account (GBP) 3%
FCY Fixed Deposit Account (AUD) 2.5%

Note: Deposit

1. Interest Payment Frequency – Quarterly

2. The interest rate on Sweep In and Sweep Out facility for opening 3 months Term deposit shall be 8.25% p.a. 

B. Lending Rates
Retail Premium over Base Rate (% p.a.) *
Auto Loan Up to 5%
Loan Against Mortgage Property  
a. NIC ASIA Home Loan OD Up to 5%
b. NIC ASIA Home Equity Loan Up to 5%
c. NIC ASIA Residential Home Loan Up to 5%
d. NIC ASIA Easy Home Equity Loan Up to 5%
Gold Loan Up to 5%
Loan Against Share Up to 5%
Personal Loan Up to 5%
Education Loan Up to 5%
Foreign Employment Loan Up to 5%
Loyalty Financing Facility Up to 5%
Others Premium over Base Rate (% p.a.)*
Export Credit Up to 5%
Loan against Own Fixed Deposit Receipt Up to 5%
Loan against Other Bank’s Fixed Deposit Receipt Up to 5%
Loan against 1st class Bank guarantee Up to 5%
Loan against Government Securities (Max draw down 80%) Up to 5%
Equipment Financing Up to 5%
FCY Loan As per NRB Directive
SME Premium over Base Rate (% p.a.)*
Fast Track Business Loan Up to 5%
Priority Business Loan Up to 5%
Premium Business Loan Up to 5%
Employers Overdraft Loan Up to 5%
Commercial Agricultural and Livestock Loan Up to 2% (Guided as per NRB Regulations)
Corporate Premium over Base Rate (% p.a.)*
Import Credit /TR. Loan Up to 5%
Overdraft/Cash Credit/Working Capital Loans Up to 5%
Term Loan Up to 5%
Other Short Term Working Capital Loans Up to 5%
Deprived Sector Lending Premium over Base Rate (% p.a.)*
Deprived Sector Lending Up to 5%
Base Rate (Jestha 2077) : 8.22%

Note: Lending

* 1. The above mentioned rates are applicable only for non-overdue and/or pass category loans as per NRB directives.

In case of overdue loans and loans other than pass category as per NRB directives, 2% premium over and above aforementioned premium shall be applicable.

2. For Consortium Loans, interest rates shall be applicable as per consortium decision.

3. For Subsidy Based Deprived Sector lending interest rates shall be applicable as per NRB Directives.

 

Helpdesk - NIC Asia Bank

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