Interest Rate

Archive Interest Rate

With effective from 15th May 2022 (1st Jestha 2079), the Bank’s interest rate on all savings deposit, and Fixed deposit products are as below;

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S.N  Saving Deposits Minimum Balance(NPR) Interest Rate(%p.a)
1 Chamatkarik Nari Bachat Khata-Silver - 6.03%
2 Chamatkarik Nari Bachat Khata-Gold 25,000 6.03%
3 Chamatkarik Nari Bachat Khata-Diamod 100,000 6.03%
4 Chamatkarik Jestha Nagarik Bachat Khata-Silver - 6.03%
5 Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.03%
6 Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 6.03%
7 Chamatkarik Bachat Khata - Silver 1,000 6.03%
8 Chamatkarik Bachat Khata - Gold 25,000 6.03%
9 Chamatkarik Bachat Khata - Diamond 100,000 6.03%
10 Chamatkarik Baideshik Rojgar Bachat Khata - 6.03%
11 Chamatkarik Bachat Khata- General - 6.03%
12 Chamatkarik Udhyamshil Bachat Khata - 6.03%
13 Chamatkarik Babu Nani Bachat Khata - 6.03%
14 Chamatkarik Talab Bachat Khata - 6.03%
15 Chamatkarik Shareholder Saving Account 100 6.03%
16 Chamatkarik Youth Saving Account - 6.03%
17 Life Savings Account 10,000 6.03%
18 Samajik Surakshya Bachat Khata - 6.03%
19 Social Security Relief Account - 6.03%
20 Samriddha Nepal Sukhi Nepali Bachat Khata 100 6.03%
21 Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.03%
22 New Super Chamatkarik Bachat Khata-Silver 1,000 6.03%
23 New Super Chamatkarik Bachat Khata-Gold 25,000 6.03%
24 New Super Chamatkarik Bachat Khata-Diamond 50,000 6.03%
25 New Super Chamatkarik Nari Bachat Khata-Silver 1,000 6.03%
26 New Super Chamatkarik Nari Bachat Khata-Gold 25,000 6.03%
27 New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 6.03%
28 New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.03%
29 New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.03%
30 New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 6.03%
31 New Super Chamatkarik Talab Bachat Khata - 6.03%
32 New Super Chamatkarik Babu Nani Bachat Khata - 6.03%
33 New Super Chamatkarik Bidhyarthi Bachat Khata - 6.03%
34 New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.03%
35 New Super Chamatkarik Swarojgar Bachat Khata - 6.03%
36 New Super Chamatkarik Sahaj Bachat Khata - 6.03%
37 New Premium Super Chamatkarik Bachat Khata- Silver 1,000 6.03%
38 New Premium Super Chamatkarik Bachat Khata- Gold 25,000 6.03%
39 New Premium Super Chamatkarik Bachat Khata- Diamond 50,000 6.03%
40 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver 1,000 6.03%
41 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold 25,000 6.03%
42 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond 50,000 6.03%
43 New Premium Super Chamatkarik Nari Bachat Khata- Silver 1,000 6.03%
44 New Premium Super Chamatkarik Nari Bachat Khata- Gold 25,000 6.03%
45 New Premium Super Chamatkarik Nari Bachat Khata- Diamond 50,000 6.03%
46 New Premium Super Chamatkarik Talab Bachat Khata- Prime - 6.03%
47 New Premium Super Chamatkarik Talab Bachat Khata- Normal - 6.03%
48 New Premium Super Chamatkarik Sahaj Bachat Khata - 6.03%
49 New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond - 6.03%
50 New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime - 6.03%
51 New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal 500 6.03%
52 New Premium Super Chamatkarik Swarojgar Bachat Khata - 6.03%
53

Sarbashrestha Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.03%
54

Sarbashrestha Bachat Khata - The Pride of NIC ASIA Bank

50,000 8.03%
55

Sarbashrestha Bachat Khata - The Partner of NIC ASIA Bank

25,000 8.03%
56

Sarbashrestha Nari Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.03%
57

Sarbashrestha Nari Bachat Khata - The Pride of NIC ASIA Bank

50,000 8.03%
58

Sarbashrestha Nari Bachat Khata - The Partner of NIC ASIA Bank

25,000 8.03%
59

Sarbashrestha Jestha Nagarik Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.03%
60

Sarbashrestha Jestha Nagarik Bachat Khata - The Pride of NIC ASIA Bank

50,000 8.03%
61

Sarbashrestha Jestha Nagarik Bachat Khata - The Partner of NIC ASIA Bank

25,000 8.03%
62

Sarbashrestha Talab Bachat Khata - The NIC ASIA Goodwill Ambassador

- 8.03%
63

Sarbashrestha Talab Bachat Khata - The Pride of NIC ASIA Bank

- 8.03%
64

Sarbashrestha Babu Nani Bachat Khata

- 8.03%
65

Sarbashrestha Baidesik Rojgar Bachat Khata

- 8.03%
66

Sarbashrestha Sahaj Bachat Khata

- 8.03%
67

Sarbashrestha Bidhyarthi Bachat Khata

  8.03%
68

Sarbashrestha Sworajgar Bachat Khata

- 8.03%
69

Sarbashrestha Samajik Surakshya Bachat Khata

- 8.03%
70 Sarbashrestha Sthaniya Bachat Khata - Ambassador 10,000 8.03%
71 Sarbashrestha Sthaniya Bachat Khata - Pride 5,000 8.03%
72 Sarbashrestha Sthaniya Bachat Khata - Partner 2,500 8.03%
73 Sarbashrestha Remittance Bachat Khata -Ambassador 20,000 9.03%
74 Sarbashrestha Remittance Bachat Khata - Pride 10,000 9.03%
75 Sarbashrestha Remittance Bachat Khata - Partner 5,000 9.03%

 

S.N LCY  Muddati  Khata Minimum Balance (NPR) Interest Rate(% p.a)
1

Sarbashrestha Muddati Khata - The NIC ASIA Goodwill Ambassador

10,000,000 11.03%
2

Sarbashrestha Muddati Khata - The Pride of NIC ASIA Bank

5,000,000
3

Sarbashrestha Muddati Khata - The Partner of NIC ASIA Bank

25,00,000
4 Sarbashrestha Masik Muddati Nichhep Khata 500
5 Sarbashrestha (Sthaniya) Muddati Khata - Ambassador 1,000,000
6 Sarbashrestha (Sthaniya) Muddati Khata - Pride 500,000
7 Sarbashrestha (Sthaniya) Muddati Khata - Partner 250,000
8 Sarbashrestha Remittance Muddati Khata -
Partner
2,000,000 12.03%
9 Sarbashrestha Remittance Muddati Khata -
Partner
1,000,000
10 Sarbashrestha Remittance Muddati Khata -
Partner
500,000
11 Sarbashrestha Remittance Masik Nichhep Khata  500

 

LCY Fixed Deposit Interest Rate (%p.a)
Institutional  Individual   
Fresh Renewal
3 Months to 10 years 10.03% 10.13% 11.03%

 

LCY Fixed Deposit Interest Rate(%p.a) Rate(% p.a)
Call Deposit (NPR) Nil As per NRB Directive

 

FCY Deposit Minimum Balance Rate(%p.a)
Sulav Bachat Khata (USD) USD 25 3.00%
USD Saving Account  USD 25 3.00%
USD Super Saving Account  USD 100 3.00%
USD Premium Saving Account   Nil 3.00%
Diamond USD Saving Account USD 25 5.00%
Diamond EURO Saving Account EURO 25 4.00%
Diamond GBP Saving Account GBP 25 4.00%
Diamond AUD Saving Account AUD 25 4.00%
Diamond JPY Savig Account JPY 10,000 4.00%
Other FCY Saving Deposits  (EURO, GBP, AUD, JPY) USD 25 Equivalent  2.00%

 

Saving Deposit for Non Reident Nepalese (NRN) Minimum Balance Special Savings Rate (%p.a)
USD Saving Deposit Account USD 5,000 or Equivalent 5.00%
EURO Saving Deposit Account 4.00%
GBP Saving Deposit Account 4.00%
AUD Saving Deposit Account 4.00%
JPY Saving Deposit Account 4.00%

 

FCY Fixed Deposit  (Individual) Tenure Minimum Balance Rate (% p.a)
FCY Fixed Deposit Account (Individual) (USD)                                           3 months to 1 year                    Nil 6.00%
FCY Fixed Deposit Account (Individual) (EUR, GBP, AUD, JPY) Nil 5.00%
FCY Fixed Deposit (Institutional) Tenure Minimm Balance Rate (% p.a)         
FCY Fixed Deposit Account (Institutional) (USD) 3 months to 1 year    Nil up to 6.00%
FCY Fixed Deposit Account (Institutional) (EUR, GBP, AUD, JPY) Nil up to 5.00%

 

 FCY Fixed Deposit for Non Resident Nepalese  (NRN)  Minimum Balance Rate (% p.a.)
USD Fixed Deposit Account USD 5,000 or Equivalent 6.00%
EURO Fixed Deposit Account  5.00%
GBP Fixed Deposit Account  5.00%
AUD Fixed Deposit Account 5.00%
JPY Fixed Deposit Account 5.00%

 

FCY Fixed Deposit Minimum Balance Rate(% p.a)
Call Deposit (USD) Nil up to 1.5%
Call Deposit (EURO, GBP, JPY,  AUD) Nill Upto 1%

Deposit Note:

1. Interest Payment Frequency - Monthly for LCY Fixed Deposit and Quarterly for all other Deposit.

2. Sarbashrestha (Sthaniya) Bachat/Muddati Khata is exlusively for the local residents of local authorities having sole banking relationship with NIC ASIA Bank.


 

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 % 13.89%
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 % 13.89%
 Above 15 Years     -
c. NIC ASIA Residential Home Loan
 UpTo 15 Years Base Rate + UpTo 6% 13.89%
Above 15 Years -
d. NIC ASIA Easy Home Equity Loan
 UpTo 15 Years Base Rate + UpTo 6% 13.89%
 Above 15 Years -
Education Loan
 UpTo 15 Years Base Rate + UpTo 6% 13.89%
Personal Loan (UpTo 5 Years) Base Rate + UpTo 6 % 13.89%
Foreign Employment Loan (Up to 5 Years) Base Rate + UpTo 6%  13.89%
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)
SME Loan upto NPR 10 Million  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 Chaitra (2078): 9.39 % for the month of Chaitra 2078 and Third Quarter Average as 9.44 %
Interest Spread Chaitra (2078): 4.4%

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.
  3. For other loans, premium rates may change as per the agreed credit facility offer letter and ensure full compliance to NRB Directives/Guidelines/Circulars.

 

NIC Asia Bank
Helpdesk - NIC Asia Bank

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