नेपाली
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Interest Rate
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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.
Interest rate Effective from 1st Kartik 2077, (17th OCT 2020)
| A. Interest rate on Deposit | |||
| Saving Deposits | Minimum Balance (NPR) | Interest Rate (% p.a) | |
| Youth Savings Account | 100 | 1.5% | |
| Sulav Bachat Khata | 500 | 1.5% | |
| Life Savings Account | 10,000 | 1.5% | |
| Happy Savings Account | 1,000 | 1.5% | |
| Shareholder Savings Account | 100 | 1.5% | |
| Share Shuvidha Bachat Khata | 500 | 1.5% | |
| Special Savings Account | 5,000 | 1.5% | |
| Super Special Savings Account | 10,000 | 1.5% | |
| Premium Savings Account | 25,000 | 1.5% | |
| Samrakchyak Bachat Khata | - | 1.5% | |
| Krishak Samriddha Bachat Khata | - | 1.5% | |
| Samajik Surakshya Bachat Khata | - | 1.5% | |
| Social Security Relief Account | - | 1.5% | |
| EPS Korea Bachat Khata | - | 1.5% | |
| Online Bachat Khata | - | 1.5% | |
| Samunnati Bachat Khata | - | 1.5% | |
| Samunnati Plus Bachat Khata | 1,000 | 1.5% | |
| Premium Sammunati Bachat Khata | 1,000 | 1.5% | |
| Karmashil Bachat Khata | - | 1.5% | |
| Little Star Savings Account | 500 | 1.5% | |
| Nari Shakti Bachat Khata | - | 1.5% | |
| Remit Savings Account | 100 | 1.5% | |
| Senior Privileged Saving Account | - | 1.5% | |
| Super Payroll Account | - | 1.5% | |
| Swabalambi Nari Bachat Khata | - | 1.5% | |
| New Premium Sammunati Bachat Khata | 1,000 | 1.5% | |
| Chamatkarik Bachat Khata-Silver | 1,000 | 1.5% | |
| Chamatkarik Bachat Khata-Gold | 25,000 | 1.5% | |
| Chamatkarik Bachat Khata-Diamond | 100,000 | 1.5% | |
| Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.5% | |
| Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.5% | |
| Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 1.5% | |
| Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.5% | |
| Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.5% | |
| Chamatkarik Nari Bachat Khata-Diamond | 100,000 | 1.5% | |
| Chamatkarik Talab Bachat Khata | - | 1.5% | |
| Chamatkarik Babu Nani Bachat Khata | - | 1.5% | |
| Chamatkarik Bidhyarthi Bachat Khata | - | 1.5% | |
| Chamatkarik Udhyamshil Bachat Khata | 500 | 1.5% | |
| Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.5% | |
| Samriddha Nepal Sukhi Nepali Bachat Khata | 100 | 1.5% | |
| Chamatkarik Swarojgar Bachat Khata | - | 1.5% | |
| Babu Nani Bachat Khata | - | 1.5% | |
| Baidesik Rojgar Bachat Khata | 500 | 1.5% | |
| Chamatkarik Bachat Khata | 1,000 | 1.5% | |
| Chamatkarik Online Bachat Khata | - | 1.5% | |
| Udhyamshil Bachat Khata | 500 | 1.5% | |
| Super Chamatkarik Bachat Khata-Silver | 1,000 | 1.5% | |
| Super Chamatkarik Bachat Khata-Gold | 25,000 | 1.5% | |
| Super Chamatkarik Bachat Khata-Diamond | 100,000 | 1.5% | |
| Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.5% | |
| Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.5% | |
| Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 1.5% | |
| Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.5% | |
| Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.5% | |
| Super Chamatkarik Nari Bachat Khata-Diamond | 100,000 | 1.5% | |
| Super Chamatkarik Talab Bachat Khata | - | 1.5% | |
| Super Chamatkarik Babu Nani Bachat Khata | - | 1.5% | |
| Super Chamatkarik Bidhyarthi Bachat Khata | - | 1.5% | |
| Super Chamatkarik Swarojgar Bachat Khata | - | 1.5% | |
| Super Chamatkarik Udhyamshil Bachat Khata | 500 | 1.5% | |
| Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.5% | |
| New Super Chamatkarik Bachat Khata-Silver | 1,000 | 1.5% | |
| New Super Chamatkarik Bachat Khata-Gold | 25,000 | 1.5% | |
| New Super Chamatkarik Bachat Khata-Diamond | 50,000 | 1.5% | |
| New Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.5% | |
| New Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.5% | |
| New Super Chamatkarik Nari Bachat Khata-Diamond | 50,000 | 1.5% | |
| New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.5% | |
| New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.5% | |
| New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 50,000 | 1.5% | |
| New Super Chamatkarik Talab Bachat Khata | - | 1.5% | |
| New Super Chamatkarik Babu Nani Bachat Khata | - | 1.5% | |
| New Super Chamatkarik Bidhyarthi Bachat Khata | - | 1.5% | |
| New Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.5% | |
| New Super Chamatkarik Swarojgar Bachat Khata | - | 1.5% | |
| New Super Chamatkarik Sahaj Bachat Khata | - | 1.5% | |
| New Premium Super Chamatkarik Bachat Khata- Silver | 1,000 | 3.5% | |
| New Premium Super Chamatkarik Bachat Khata- Gold | 25,000 | 3.5% | |
| New Premium Super Chamatkarik Bachat Khata- Diamond | 50,000 | 3.5% | |
| New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver | 1,000 | 3.5% | |
| New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold | 25,000 | 3.5% | |
| New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond | 50,000 | 3.5% | |
| New Premium Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 3.5% | |
| New Premium Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 3.5% | |
| New Premium Super Chamatkarik Nari Bachat Khata-Diamond | 50,000 | 3.5% | |
| New Premium Super Chamatkarik Talab Bachat Khata- Prime | - | 3.5% | |
| New Premium Super Chamatkarik Talab Bachat Khata- Normal | - | 3.5% | |
| New Premium Super Chamatkarik Sahaj Bachat Khata | - | 3.5% | |
| New Premium Super Chamatkarik Babu Nani Bachat Khata | - | 3.5% | |
| New Premium Super Chamatkarik Bidhyarthi Bachat Khata | - | 3.5% | |
| New Premium Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 3.5% | |
| New Premium Super Chamatkarik Swarojgar Bachat Khata | - | 3.5% | |
| LCY Masik Nichhep Khata - Individual | Minimum Balance (NPR) | Interest Rate (% p.a.) | |
| New Premium Super Chamatkarik Masik Nicchep Khata | 500 | 8.50% | |
| New Premium Super Chamatkarik Masik Nichhep Khata-Normal | 500 | ||
| New Premium Super Chamatkarik Masik Nichhep Khata-Customized | - | ||
| LCY Fixed Deposit | Interest Rate (% p.a.) | ||
| Institutional | Individual | ||
| Fresh | Renewal | ||
| 3 months | 7.00% | 7.10% | 7.25% |
| Above 3 months to 6 Months | 7.00% | 7.10% | 7.25% |
| Above 6 months to 9 Months | 7.00% | 7.10% | 8.00% |
| Above 9 months to 12 Months | 7.25% | 7.35% | 8.50% |
| Above 12 months to 18 Months | 7.50% | 7.60% | 9.00% |
| Above 18 months to 24 Months | 7.75% | 7.85% | 9.00% |
| Above 2 years to 3 years | 8.00% | 8.10% | 9.25% |
| Above 3 years to 4 years | 8.00% | 8.10% | 9.25% |
| Above 4 years to 5 years | 8.00% | 8.10% | 9.25% |
| Above 5 years to 6 years | 8.00% | 8.10% | 9.50% |
| Above 6 years to 7 years | 8.25% | 8.35% | 9.50% |
| Above 7 years to 8 years | 8.50% | 8.60% | 9.50% |
| Above 8 years to 9 years | 8.75% | 8.85% | 9.50% |
| Above 9 years to 10 years | 9.00% | 9.10% | 9.50% |
| Above10 years | 9.50% | 9.60% | 9.75% |
| FCY Deposit | Minimum Balance | Rate (% p.a.) | |
| Sulav Bachat Khata | USD 25 | 0.5% | |
| USD Savings Account | USD 25 | 0.5% | |
| USD Super Saving Account | USD 100 | 0.5% | |
| USD Premium Savings Account | NIL | 0.5% | |
| FCY Fixed Deposit | Minimum Balance | Rate (% p.a.) | |
| FCY Fixed Deposit Account | NIL | 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% | ||
| GBP Fixed Deposit Account | 1% | ||
| AUD Fixed Deposit Account | 1% | ||
| Note: Deposit | |||
| 1. Interest Payment Frequency - Quarterly | |||
| 2. Interest rate on Sweep In and Sweep Out facility for opening 3 months Term deposit shall be 7.25% p.a. | |||
| B. Interest rate on Loans 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 Mortgage Property | ||
| a. NIC ASIA Home Loan OD | Base Rate + Up to 7% | |
| b. NIC ASIA Home Equity Loan | ||
| Up to 5 Years | Base Rate + Up to 7% | 14.00% |
| Up to 10 Years | 14.50% | |
| Up to 15 Years | 15.00% | |
| c. NIC ASIA Residential Home Loan | ||
| Up to 5 Years | Base Rate + Up to 7% | 13.00% |
| Up to 10 Years | 13.50% | |
| Up to 15 Years | 14.00% | |
| d. NIC ASIA Easy Home Equity Loan | ||
| Up to 5 Years | Base Rate + Up to 7% | 14.00% |
| Up to 10 Years | 14.50% | |
| Up to 15 Years | 15.00% | |
| Education Loan | ||
| Up to 5 Years | Base Rate + Up to 7% | 13.00% |
| Up to 10 Years | 13.50% | |
| Up to 15 Years | 14.00% | |
| Personal Loan (Up to 5 Years) | Base Rate + Up to 7% | 15.00% |
| Foreign Employment Loan (Up to 5 Years) | Base Rate + Up to 7% | 15.00% |
| Gold Loan | Base Rate + Up to 7% | |
| Loan Against Share | Base Rate + Up to 7% | |
| Loyalty Financing Facility | Base Rate + Up to 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. | ||
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