Interest Rate

The Bank has revised lnterest Rate on Fixed Deposit Products including recurring deposits and Sweep in and Sweep out facility to 6.5% p.a. effective from 1st Poush 2077 (16th December, 2020).

S.N Saving Deposits Minimum Balance(NPR) Interest Rate(%p.a)
1 Youth Savings Account 100 1.50%
2 Sulav Bachat Khata 500 1.50%
3 Life Savings Account 10,000 1.50%
4 Happy Savings Account 1,000 1.50%
5 Shareholder Savings Account 100 1.50%
6 Share Shuvidha Bachat Khata 500 1.50%
7 Special Savings Account 5,000 1.50%
8 Super Special Savings Account 10,000 1.50%
9 Premium Savings Account 25,000 1.50%
10 Samrakchyak Bachat Khata - 1.50%
11 Krishak Samriddha Bachat Khata - 1.50%
12 Samajik Surakshya Bachat Khata - 1.50%
13 Social Security Relief Account - 1.50%
14 EPS Korea Bachat Khata - 1.50%
15 Online Bachat Khata - 1.50%
16 Samunnati Bachat Khata - 1.50%
17 Samunnati Plus Bachat Khata 1,000 1.50%
18 Premium Sammunati Bachat Khata 1,000 1.50%
19 Karmashil Bachat Khata - 1.50%
20 Little Star Savings Account 500 1.50%
21 Nari Shakti Bachat Khata - 1.50%
22 Remit Savings Account 100 1.50%
23 Senior Privileged Saving Account - 1.50%
24 Super Payroll Account - 1.50%
25 Swabalambi Nari Bachat Khata - 1.50%
26 New Premium Sammunati Bachat Khata 1,000 1.50%
27 Chamatkarik Bachat Khata-Silver 1,000 1.50%
28 Chamatkarik Bachat Khata-Gold 25,000 1.50%
29 Chamatkarik Bachat Khata-Diamond 100,000 1.50%
30 Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 1.50%
31 Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 1.50%
32 Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 1.50%
33 Chamatkarik Nari Bachat Khata-Silver 1,000 1.50%
34 Chamatkarik Nari Bachat Khata-Gold 25,000 1.50%
35 Chamatkarik Nari Bachat Khata-Diamond 100,000 1.50%
36 Chamatkarik Talab Bachat Khata - 1.50%
37 Chamatkarik Babu Nani Bachat Khata - 1.50%
38 Chamatkarik Bidhyarthi Bachat Khata - 1.50%
39 Chamatkarik Udhyamshil Bachat Khata 500 1.50%
40 Chamatkarik Baideshik Rojgar Bachat Khata 500 1.50%
41 Samriddha Nepal Sukhi Nepali Bachat Khata 100 1.50%
42 Chamatkarik Swarojgar Bachat Khata - 1.50%
43 Babu Nani Bachat Khata - 1.50%
44 Baidesik Rojgar Bachat Khata 500 1.50%
45 Chamatkarik Bachat Khata 1,000 1.50%
46 Chamatkarik Online Bachat Khata - 1.50%
47 Udhyamshil Bachat Khata 500 1.50%
48 Super Chamatkarik Bachat Khata-Silver 1,000 1.50%
49 Super Chamatkarik Bachat Khata-Gold 25,000 1.50%
50 Super Chamatkarik Bachat Khata-Diamond 100,000 1.50%
51 Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 1.50%
52 Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 1.50%
53 Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 1.50%
54 Super Chamatkarik Nari Bachat Khata-Silver 1,000 1.50%
55 Super Chamatkarik Nari Bachat Khata-Gold 25,000 1.50%
56 Super Chamatkarik Nari Bachat Khata-Diamond 100,000 1.50%
57 Super Chamatkarik Talab Bachat Khata - 1.50%
58 Super Chamatkarik Babu Nani Bachat Khata - 1.50%
59 Super Chamatkarik Bidhyarthi Bachat Khata - 1.50%
60 Super Chamatkarik Swarojgar Bachat Khata - 1.50%
61 Super Chamatkarik Udhyamshil Bachat Khata 500 1.50%
62 Super Chamatkarik Baideshik Rojgar Bachat Khata 500 1.50%
63 New Super Chamatkarik Bachat Khata-Silver 1,000 1.50%
64 New Super Chamatkarik Bachat Khata-Gold 25,000 1.50%
65 New Super Chamatkarik Bachat Khata-Diamond 50,000 1.50%
66 New Super Chamatkarik Nari Bachat Khata-Silver 1,000 1.50%
67 New Super Chamatkarik Nari Bachat Khata-Gold 25,000 1.50%
68 New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 1.50%
69 New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 1.50%
70 New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 1.50%
71 New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 1.50%
72 New Super Chamatkarik Talab Bachat Khata - 1.50%
73 New Super Chamatkarik Babu Nani Bachat Khata - 1.50%
74 New Super Chamatkarik Bidhyarthi Bachat Khata - 1.50%
75 New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 1.50%
76 New Super Chamatkarik Swarojgar Bachat Khata - 1.50%
77 New Super Chamatkarik Sahaj Bachat Khata - 1.50%
78 New Premium Super Chamatkarik Bachat Khata- Silver 1,000 3.50%
79 New Premium Super Chamatkarik Bachat Khata- Gold 25,000 3.50%
80 New Premium Super Chamatkarik Bachat Khata- Diamond 50,000 3.50%
81 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver 1,000 3.50%
82 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold 25,000 3.50%
83 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond 50,000 3.50%
84 New Premium Super Chamatkarik Nari Bachat Khata- Silver 1,000 3.50%
85 New Premium Super Chamatkarik Nari Bachat Khata- Gold 25,000 3.50%
86 New Premium Super Chamatkarik Nari Bachat Khata- Diamond 50,000 3.50%
87 New Premium Super Chamatkarik Talab Bachat Khata- Prime - 3.50%
88 New Premium Super Chamatkarik Talab Bachat Khata- Normal - 3.50%
89 New Premium Super Chamatkarik Sahaj Bachat Khata - 3.50%
90 New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond - 3.50%
91 New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime - 3.50%
92 New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal 500 3.50%
93 New Premium Super Chamatkarik Swarojgar Bachat Khata - 3.50%

 

LCY Masik Nichhep Khata - Individual Minimum Balance (NPR) Interest Rate(% p.a)
1 New Premium Super Chamatkarik Masik Nicchep Khata 500 6.50%
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  6.50% 6.50% 6.50%
Above 3 months and above 6.50% 6.50% 6.50%

 

 

FCY Deposit Minimum Balance Rate(%p.a)
Sulav Bachat Khata  USD 25 0.50%
USD Saving Account  USD 25 0.50%
USD Super Saving Account  USD 100 0.50%
USD Premium Saving Account   Nill 0.50%
FCY Fixed Deposit Minimum Balance  Rate(%p.a)
FCY Fixed Deposit Account Nill Negotiable 

 

FCY Fixed Deposit for NRN Tenure Minimum Balance

Rate(%p.a) 

USD Fixed Deposit Account Minimum 2 Years   USD 10,000 or Equivalent   1%
EURO Fixed Deposit Account  1%
AUD Fixed Deposit Account 1%
GBP Fixed Deposit Account  1%

Deposit Note:

  1. Interest Payment Frequency - Quarterly.
  2. The interest rate on Sweep In and Sweep Out facility for opening a 3-months term deposit shall be 7.25%
The Interest rate on Loan and Advance
Retail Interest Rate
Auto Loan Floating Rate(%p.a) Fixed-Rate(%p.a)
Up to 5 Years  Base Rate + Up to 7% 13.00%
Up to 7 Years  Base Rate + Up to 7% 13.50%
Up to 10 Years   Base Rate + Up to 7% 14.00%
Loan Against Mortage Property
a. NIC ASIA Home Loan OD   Base Rate + UpTo 7%  -
b. NIC ASIA Home Equity Loa
 UpTo 5 Years Base Rate + UpTo 7% 14.00%
 UpTo 10 Years 14.50%
 UpTo 15 Years 15.00%
c. NIC ASIA Residential Home Loan
 UpTo 5 Years Base Rate + UpTo 7% 13.00%
 UpTo 10 Years 13.50%
 UpTo 15 Years 14.00%
d. NIC ASIA Easy Home Equity Loan
 UpTo 5 Years Base Rate + UpTo 7% 14.00%
 UpTo 10 Years 14.50%
 UpTo 15 Years 15.00%
Education Loan
 UpTo 5 Years Base Rate + UpTo 7% 13.00%
 UpTo 10 Years 13.50%
 UpTo 15 Years 14.00%
Personal Loan (UpTo 5 Years) Base Rate + UpTo 7% 15.00%
Foreign Employment Loan (Up to 5 Years) Base Rate + UpTo 7%  15.00%
Gold Loan Base Rate + UpTo 7%
Loan Against Share Base Rate + UpTo 7%
Loyalty Financing Facility Base Rate + UpTo 7%

 

Others Floating Rate (% p.a.) 
Export Credit  Base Rate + Up to 7%
Loan against Own FDR  Base Rate + Up to 7%
Loan against Other Bank’s Fixed Deposit Receipt  Base Rate + Up to 7%
Loan against 1st class Bank guarantee  Base Rate + Up to 7%
Loan against Government Securities (Maximum draw down 80%)  Base Rate + Up to 7%
Equipment Financing  Base Rate + Up to 7%
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 7%
Priority Business Loan  Base Rate + Up to 7%
Premium Business Loan  Base Rate + Up to 7%
Employers Overdraft Loan  Base Rate + Up to 7%
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 7%
Overdraft/Cash Credit/Working Capital Loans  Base Rate + Up to 7%
Term Loan  Base Rate + Up to 7%
Other Short Term Working Capital Loans  Base Rate + Up to 7%
Deprived Sector Lending Floating Rate (% p.a.) 
Deprived Sector Lending  Base Rate + Up to 7%
Base Rate Bhadra (2077): 6.98%
Interest Spread Bhadra (2077): 4.40%

Note: Loan and advances

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

 

NIC Asia Bank
Helpdesk - NIC Asia Bank

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