नेपाली 
Branch 
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Interest Rate
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Effective from 17th September 2022 (1st Ashwin 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 | - | 7.133% |
| 2 | Chamatkarik Nari Bachat Khata-Gold | 25,000 | 7.133% |
| 3 | Chamatkarik Nari Bachat Khata-Diamod | 100,000 | 7.133% |
| 4 | Chamatkarik Jestha Nagarik Bachat Khata-Silver | - | 7.133% |
| 5 | Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 7.133% |
| 6 | Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 7.133% |
| 7 | Chamatkarik Bachat Khata - Silver | 1,000 | 7.133% |
| 8 | Chamatkarik Bachat Khata - Gold | 25,000 | 7.133% |
| 9 | Chamatkarik Bachat Khata - Diamond | 100,000 | 7.133% |
| 10 | Chamatkarik Baideshik Rojgar Bachat Khata | - | 7.133% |
| 11 | Chamatkarik Bachat Khata- General | - | 7.133% |
| 12 | Chamatkarik Udhyamshil Bachat Khata | - | 7.133% |
| 13 | Chamatkarik Babu Nani Bachat Khata | - | 7.133% |
| 14 | Chamatkarik Talab Bachat Khata | - | 7.133% |
| 15 | Chamatkarik Shareholder Saving Account | 100 | 7.133% |
| 16 | Chamatkarik Youth Saving Account | - | 7.133% |
| 17 | Life Savings Account | 10,000 | 7.133% |
| 18 | Samajik Surakshya Bachat Khata | - | 7.133% |
| 19 | Social Security Relief Account | - | 7.133% |
| 20 | Samriddha Nepal Sukhi Nepali Bachat Khata | 100 | 7.133% |
| 21 | Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 7.133% |
| 22 | New Super Chamatkarik Bachat Khata-Silver | 1,000 | 7.133% |
| 23 | New Super Chamatkarik Bachat Khata-Gold | 25,000 | 7.133% |
| 24 | New Super Chamatkarik Bachat Khata-Diamond | 50,000 | 7.133% |
| 25 | New Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 7.133% |
| 26 | New Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 7.133% |
| 27 | New Super Chamatkarik Nari Bachat Khata-Diamond | 50,000 | 7.133% |
| 28 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 7.133% |
| 29 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 7.133% |
| 30 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 50,000 | 7.133% |
| 31 | New Super Chamatkarik Talab Bachat Khata | - | 7.133% |
| 32 | New Super Chamatkarik Babu Nani Bachat Khata | - | 7.133% |
| 33 | New Super Chamatkarik Bidhyarthi Bachat Khata | - | 7.133% |
| 34 | New Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 7.133% |
| 35 | New Super Chamatkarik Swarojgar Bachat Khata | - | 7.133% |
| 36 | New Super Chamatkarik Sahaj Bachat Khata | - | 7.133% |
| 37 | New Premium Super Chamatkarik Bachat Khata- Silver | 1,000 | 7.133% |
| 38 | New Premium Super Chamatkarik Bachat Khata- Gold | 25,000 | 7.133% |
| 39 | New Premium Super Chamatkarik Bachat Khata- Diamond | 50,000 | 7.133% |
| 40 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver | 1,000 | 7.133% |
| 41 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold | 25,000 | 7.133% |
| 42 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond | 50,000 | 7.133% |
| 43 | New Premium Super Chamatkarik Nari Bachat Khata- Silver | 1,000 | 7.133% |
| 44 | New Premium Super Chamatkarik Nari Bachat Khata- Gold | 25,000 | 7.133% |
| 45 | New Premium Super Chamatkarik Nari Bachat Khata- Diamond | 50,000 | 7.133% |
| 46 | New Premium Super Chamatkarik Talab Bachat Khata- Prime | - | 7.133% |
| 47 | New Premium Super Chamatkarik Talab Bachat Khata- Normal | - | 7.133% |
| 48 | New Premium Super Chamatkarik Sahaj Bachat Khata | - | 7.133% |
| 49 | New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond | - | 7.133% |
| 50 | New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime | - | 7.133% |
| 51 | New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal | 500 | 7.133% |
| 52 | New Premium Super Chamatkarik Swarojgar Bachat Khata | - | 7.133% |
| 53 |
Sarbashrestha Bachat Khata - The NIC ASIA Goodwill Ambassador |
100,000 | 9.133% |
| 54 |
Sarbashrestha Bachat Khata - The Pride of NIC ASIA Bank |
50,000 | 9.133% |
| 55 |
Sarbashrestha Bachat Khata - The Partner of NIC ASIA Bank |
25,000 | 9.133% |
| 56 |
Sarbashrestha Nari Bachat Khata - The NIC ASIA Goodwill Ambassador |
100,000 | 9.133% |
| 57 |
Sarbashrestha Nari Bachat Khata - The Pride of NIC ASIA Bank |
50,000 | 9.133% |
| 58 |
Sarbashrestha Nari Bachat Khata - The Partner of NIC ASIA Bank |
25,000 | 9.133% |
| 59 |
Sarbashrestha Jestha Nagarik Bachat Khata - The NIC ASIA Goodwill Ambassador |
100,000 | 9.133% |
| 60 |
Sarbashrestha Jestha Nagarik Bachat Khata - The Pride of NIC ASIA Bank |
50,000 | 9.133% |
| 61 |
Sarbashrestha Jestha Nagarik Bachat Khata - The Partner of NIC ASIA Bank |
25,000 | 9.133% |
| 62 |
Sarbashrestha Talab Bachat Khata - The NIC ASIA Goodwill Ambassador |
- | 9.133% |
| 63 |
Sarbashrestha Talab Bachat Khata - The Pride of NIC ASIA Bank |
- | 9.133% |
| 64 |
Sarbashrestha Babu Nani Bachat Khata |
- | 9.133% |
| 66 |
Sarbashrestha Sahaj Bachat Khata |
- | 9.133% |
| 67 |
Sarbashrestha Bidhyarthi Bachat Khata |
9.133% | |
| 68 | Sarbashrestha Sthaniya Bachat Khata - Ambassador | 10,000 | 9.133% |
| 69 | Sarbashrestha Sthaniya Bachat Khata - Pride | 5,000 | 9.133% |
| 70 | Sarbashrestha Sthaniya Bachat Khata - Partner | 2,500 | 9.133% |
| 71 | Sarbashrestha Remittance Bachat Khata -Ambassador | 20,000 | 10.133% |
| 72 | Sarbashrestha Remittance Bachat Khata - Pride | 10,000 | 10.133% |
| 73 | Sarbashrestha Remittance Bachat Khata - Partner | 5,000 | 10.133% |
| S.N | Individual Fixed Deposit | Minimum Balance (NPR) | Interest Rate(% p.a) |
|---|---|---|---|
| 1 |
Sarbashrestha Muddati Khata - The NIC ASIA Goodwill Ambassador |
10,000,000 | 12.133% |
| 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 |
| S.N | LCY Muddati Khata | Interest Rate |
| 1. | Sarbashrestha Muddati Khata Products | 12.133% |
| 2. | Sarbashrestha Masik Muddati Nichhep Khata | 12.133% |
| 3. | Sarbashrestha (Sthaniya) Muddati Khata - Products | 12.133% |
| 4. | Sarbashrestha Remittance Muddati Khata | 13.133% |
| 5 | Sarbashrestha Remittance Masik Nichhep Khata | 13.133% |
| LCY Fixed Deposit | Interest Rate (%p.a) | ||
| Institutional | Individual | ||
| Fresh | Bidding | ||
| 3 Months to 5 years | 10.133% | 10.633% | 12.133% |
| LCY Fixed Deposit | Interest Rate(%p.a) | Rate(% p.a) |
| Call Deposit (NPR) | Nil | up to 3.565% |
| FCY Deposit | Minimum Balance | Rate(%p.a) |
| Sulav Bachat Khata (USD) | USD 25 | 5.00% |
| USD Saving Account | USD 25 | 5.00% |
| USD Super Saving Account | USD 100 | 5.00% |
| USD Premium Saving Account | Nil | 5.00% |
| Diamond USD Saving Account | USD 25 | 5.00% |
| Diamond EURO Saving Account | EURO 25 | 2.50% |
| Diamond GBP Saving Account | GBP 25 | 4.25% |
| Diamond AUD Saving Account | AUD 25 | 4.35% |
| Diamond JPY Saving Account | JPY 10,000 | 2.40% |
| FCY Fixed Deposit (Individual/Institutional) | Tenure | Rate (% p.a) |
| FCY Fixed Deposit Account (USD) | 3 months to 1 year | Up to 6.50% |
| FCY Fixed Deposit Account (EURO) | 3 months to 1 year | Up to 4.00% |
| FCY Fixed Deposit Account (GBP) | 3 months to 1 year | Up to 5.75% |
| FCY Fixed Deposit Account (AUD) | 3 months to 1 year | Up to 5.85% |
| FCY Fixed Deposit Account (JPY) | 3 months to 1 year | Up to 3.90% |
| FCY Fixed Deposit | Minimum Balance | Rate(% p.a) |
| Call Deposit (USD) | Nil | As per NRB Directives |
| Call Deposit (EURO, GBP, JPY, AUD) | Nill | As per NRB Directives |
Deposit Note:
1. Sarbashrestha (Sthaniya) Bachat/Muddati Khata is exclusively for local authorities' residents who have a 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 8 % | 15.99% |
| Loan Against Mortage Property | ||
| a. NIC ASIA Home Loan OD | Base Rate + UpTo 8 % | - |
| b. NIC ASIA Home Equity Loan | ||
| UpTo 15 Years | Base Rate + UpTo 8 % | 15.99% |
| Above 15 Years | - | |
| c. NIC ASIA Residential Home Loan | ||
| UpTo 15 Years | Base Rate + UpTo 8% | 15.99% |
| Above 15 Years | - | |
| d. NIC ASIA Easy Home Equity Loan | ||
| UpTo 15 Years | Base Rate + UpTo 8% | 15.99% |
| Above 15 Years | - | |
| Education Loan | ||
| UpTo 15 Years | Base Rate + UpTo 8% | 15.99% |
| Personal Loan (UpTo 5 Years) | Base Rate + UpTo 8 % | 15.99% |
| Foreign Employment Loan (Up to 5 Years) | Base Rate + UpTo 8% | 15.99% |
| Gold Loan | Base Rate + UpTo 8% | |
| Loan Against Share | Base Rate + UpTo 8% | |
| Loyalty Financing Facility | Base Rate + UpTo 8% | |
| Others | Floating Rate (% p.a.) |
| Export Credit | Base Rate + Up to 8% |
| Loan against Own FDR | Base Rate + Up to 8% |
| Loan against Other Bank’s Fixed Deposit Receipt | Base Rate + Up to 8% |
| Loan against 1st class Bank guarantee | Base Rate + Up to 8% |
| Loan against Government Securities (Maximum draw down 80%) | Base Rate + Up to 8% |
| Equipment Financing | Base Rate + Up to 8% |
| 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 8% |
| Priority Business Loan | Base Rate + Up to 8% |
| Premium Business Loan | Base Rate + Up to 8% |
| Employers Overdraft Loan | Base Rate + Up to 8% |
| Commercial Agricultural and Livestock Loan | Base Rate + Up to 2% (Guided as per NRB Regulations) |
| SME Loan(As directed by NRB) | Base Rate + Up to 2% (Guided as per NRB Regulations) |
| Corporate | Floating Rate (% p.a.) |
| Import Credit /T.R. Loan | Base Rate + Up to 8% |
| Overdraft/Cash Credit/Working Capital Loans | Base Rate + Up to 8% |
| Term Loan | Base Rate + Up to 8% |
| Other Short-Term Working Capital Loans | Base Rate + Up to 8% |
| Deprived Sector Lending | Floating Rate (% p.a.) |
| Deprived Sector Lending | Base Rate + Up to 8% |
| Base Rate Shrawan (2079): 10.04 % | |
| Interest Spread Shrawan (2079): 4.39% | |
Note: Loan and advances
- For Consortium Loans, the interest rate shall be as per consortium decision.
- For Subsidy and concession rate loan products interest rates as per NRB Directives shall apply.
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२४ सर्वश्रेष्ठ सुविधाका साथ एन आई सी एशिया बैंक प्रस्तुत गर्दछ, सर्वश्रेष्ठ बचत तथा मुद्दती खाता ।
अब एउटै खातामा प्राप्त गर्नुहोस्, ८४ लाख रूपैयाँसम्मको बीमा सम्बन्धी फाइदाहरू, ३ कर्जा सम्बन्धी फाइदाहरू र १८ अन्य सर्वश्रेष्ठ फाइदाहरू ।
