Interest Rate

Archive Interest Rate

Effective from 15th Jan 2023 (1st Magh 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 - 6.42%
2 Chamatkarik Nari Bachat Khata-Gold 25,000 6.42%
3 Chamatkarik Nari Bachat Khata-Diamod 100,000 6.42%
4 Chamatkarik Jestha Nagarik Bachat Khata-Silver - 6.42%
5 Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.42%
6 Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 6.42%
7 Chamatkarik Bachat Khata - Silver 1,000 6.42%
8 Chamatkarik Bachat Khata - Gold 25,000 6.42%
9 Chamatkarik Bachat Khata - Diamond 100,000 6.42%
10 Chamatkarik Baideshik Rojgar Bachat Khata - 6.42%
11 Chamatkarik Bachat Khata- General - 6.42%
12 Chamatkarik Udhyamshil Bachat Khata - 6.42%
13 Chamatkarik Babu Nani Bachat Khata - 6.42%
14 Chamatkarik Talab Bachat Khata - 6.42%
15 Chamatkarik Shareholder Saving Account 100 6.42%
16 Chamatkarik Youth Saving Account - 6.42%
17 Life Savings Account 10,000 6.42%
18 Samajik Surakshya Bachat Khata - 6.42%
19 Social Security Relief Account - 6.42%
20 Samriddha Nepal Sukhi Nepali Bachat Khata 100 6.42%
21 Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.42%
22 New Super Chamatkarik Bachat Khata-Silver 1,000 6.42%
23 New Super Chamatkarik Bachat Khata-Gold 25,000 6.42%
24 New Super Chamatkarik Bachat Khata-Diamond 50,000 6.42%
25 New Super Chamatkarik Nari Bachat Khata-Silver 1,000 6.42%
26 New Super Chamatkarik Nari Bachat Khata-Gold 25,000 6.42%
27 New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 6.42%
28 New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.42%
29 New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.42%
30 New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 6.42%
31 New Super Chamatkarik Talab Bachat Khata - 6.42%
32 New Super Chamatkarik Babu Nani Bachat Khata - 6.42%
33 New Super Chamatkarik Bidhyarthi Bachat Khata - 6.42%
34 New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.42%
35 New Super Chamatkarik Swarojgar Bachat Khata - 6.42%
36 New Super Chamatkarik Sahaj Bachat Khata - 6.42%
37 New Premium Super Chamatkarik Bachat Khata- Silver 1,000 6.42%
38 New Premium Super Chamatkarik Bachat Khata- Gold 25,000 6.42%
39 New Premium Super Chamatkarik Bachat Khata- Diamond 50,000 6.42%
40 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver 1,000 6.42%
41 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold 25,000 6.42%
42 New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond 50,000 6.42%
43 New Premium Super Chamatkarik Nari Bachat Khata- Silver 1,000 6.42%
44 New Premium Super Chamatkarik Nari Bachat Khata- Gold 25,000 6.42%
45 New Premium Super Chamatkarik Nari Bachat Khata- Diamond 50,000 6.42%
46 New Premium Super Chamatkarik Talab Bachat Khata- Prime - 6.42%
47 New Premium Super Chamatkarik Talab Bachat Khata- Normal - 6.42%
48 New Premium Super Chamatkarik Sahaj Bachat Khata - 6.42%
49 New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond - 6.42%
50 New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime - 6.42%
51 New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal 500 6.42%
52 New Premium Super Chamatkarik Swarojgar Bachat Khata - 6.42%
53

Sarbashrestha Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.42%
54

Sarbashrestha Bachat Khata - The Pride of NIC ASIA Bank

50,000 8.42%
55

Sarbashrestha Bachat Khata - The Partner of NIC ASIA Bank

25,000 8.42%
56

Sarbashrestha Nari Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.42%
57 Sarbashrestha Hybrid Bachat Khata 100,000 8.42%
58

Sarbashrestha Nari Bachat Khata - The Pride of NIC ASIA Bank

50,000 8.42%
59

Sarbashrestha Nari Bachat Khata - The Partner of NIC ASIA Bank

25,000 8.42%
60

Sarbashrestha Jestha Nagarik Bachat Khata - The NIC ASIA Goodwill Ambassador

100,000 8.42%
61

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

50,000 8.42%
62

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

25,000 8.42%
63

Sarbashrestha Talab Bachat Khata - The NIC ASIA Goodwill Ambassador

- 8.42%
64

Sarbashrestha Talab Bachat Khata - The Pride of NIC ASIA Bank

- 8.42%
65

Sarbashrestha Babu Nani Bachat Khata

- 8.42%
66

Sarbashrestha Sahaj Bachat Khata

- 8.42%
67

Sarbashrestha Bidhyarthi Bachat Khata

  8.42%
68 Sarbashrestha Payroll Bachat Khata – The Goodwill Ambassador of NIC ASIA Bank - 8.42%
69 Sarbashrestha Payroll Bachat Khata – The Pride of NIC ASIA Bank - 8.42%
70  Sarbashrestha Payroll Bachat Khata – The Partner of NIC ASIA Bank - 8.42%
71 Sarbashrestha Payroll Bachat Khata – General - 8.42%
72 Sarbashrestha Payroll Bundled Sahaj Bachat Khata - 8.42%
73 Sarbashrestha Remittance Bachat Khata - General - 9.42%
74 Sarbashrestha Sunya Maujdat Bachat Khata - 8.42%
75 Sarbashrestha Sthaniya Bachat Khata - Ambassador 10,000 8.42%
76 Sarbashrestha Sthaniya Bachat Khata - Pride 5,000 8.42%
77 Sarbashrestha Sthaniya Bachat Khata - Partner 2,500 8.42%
78 Sarbashrestha Remittance Bachat Khata -Ambassador 20,000 9.42%
79 Sarbashrestha Remittance Bachat Khata - Pride 10,000 9.42%
80 Sarbashrestha Remittance Bachat Khata - Partner 5,000 9.42%

 

S.N LCY Muddati Khata Interest Rate
1 Sarbashrestha Muddati Khata- General 11.00%
2 Sarbashrestha Remittance Muddati Khata- General 12.00%
3 Masik Nichhep Khata 11.00%

 

LCY Fixed Deposit Interest Rate (%p.a)
Institutional  Individual   
9.00%
3 Months to 5 years 11.00%
LCY Fixed Deposit Interest Rate(%p.a) Rate(% p.a)
Call Deposit (NPR) Nil up to 3.21%

 

FCY Savings Deposits Normal Rate (% p.a.) NRN Rate (% p.a.) Call (% p.a)
USD Savings Products 5.75% 6.75% Up to 2.875%
EURO Savings Products 4.00% 5.00% Up to 2.000%
GBP Savings Products 4.75% 5.75% Up to 2.375%
JPY Savings Products 2.40% 3.40% Up to 1.200%
AUD Savings Products 5.10% 6.10% Up to 2.550%

 

FCY Fixed Deposit Tenure Normal Rate (% p.a.) NRN/Foreign Institutions (% p.a.)
FCY Fixed Deposit Account (USD) 3 Months to 1 Year up to 7.25% Up to 8.25%
FCY Fixed Deposit Account (EURO) up to 5.50% Up to 6.50%
FCY Fixed Deposit Account (GBP) up to 6.25% Up to 7.25%
FCY Fixed Deposit Account (JPY) up to 3.90% Up to 4.90%
FCY Fixed Deposit Account (AUD) up to 6.60% Up to 7.60%

 

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. Interest Payment Frequency Quarterly.
  2. For Bidding Fixed Deposit (LCY and FCY), an additional 0.5% interest rate shall be added to the above-mentioned rate.

 


 

The Interest rate on Loans and Advance
Retail Interest Rate
Auto Loan Floating Rate(%p.a) Fixed-Rate(%p.a)
Up to 10 Years   Base Rate + Up to 6 % 15.99%
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 % 15.99%
 Above 15 Years     -
c. NIC ASIA Residential Home Loan
 UpTo 15 Years Base Rate + UpTo 6% 15.99%
Above 15 Years -
d. NIC ASIA Easy Home Equity Loan
 UpTo 15 Years Base Rate + UpTo 6% 15.99%
 Above 15 Years -
Education Loan
 UpTo 15 Years Base Rate + UpTo 6% 15.99%
Personal Loan (UpTo 5 Years) Base Rate + UpTo 6 % 15.99%
Foreign Employment Loan (Up to 5 Years) Base Rate + UpTo 6% 15.99%
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(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 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 Poush (2079): 11.02 %
Interest Spread Poush (2079): 4.39%

Note: Loan and advances

  1. For Consortium Loans, the interest rate shall be as per the consortium decision.
  2. For Subsidy and concession rate loan products interest rates as per NRB Directives shall apply.

 

NIC Asia Bank
Helpdesk - NIC Asia Bank

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