नेपाली 
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Interest Rate
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Archive Interest Rate
The Bank has revised the Interest Rate on Fixed Deposit Products including recurring deposits and Sweep in and Sweep out the facility to 8.60% p.a. effective from 1st Ashwin 2078 (17th September 2021).
| S.N | Saving Deposits | Minimum Balance(NPR) | Interest Rate(%p.a) |
| 1 | Chamatkarik Nari Bachat Khata-Silver | - | 3.60% |
| 2 | Chamatkarik Nari Bachat Khata-Gold | 25,000 | 3.60% |
| 3 | Chamatkarik Nari Bachat Khata-Diamod | 10,0000 | 3.60% |
| 4 | Chamatkarik Jestha Nagarik Bachat Khata-Silver | - | 3.60% |
| 5 | Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 3.60% |
| 6 | Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 3.60% |
| 7 | Chamatkarik Bachat Khata - Silver | 1,000 | 3.60% |
| 8 | Chamatkarik Bachat Khata - Gold | 25,000 | 3.60% |
| 9 | Chamatkarik Bachat Khata - Diamond | 100,000 | 3.60% |
| 10 | Chamatkarik Baideshik Rojgar Bachat Khata | - | 3.60% |
| 11 | Chamatkarik Bachat Khata- General | - | 3.60% |
| 12 | Chamatkarik Udhyamshil Bachat Khata | - | 3.60% |
| 13 | Chamatkarik Babu Nani Bachat Khata | - | 3.60% |
| 14 | Chamatkarik Talab Bachat Khata | - | 3.60% |
| 15 | Chamatkarik Shareholder Saving Account | 100 | 3.60% |
| 16 | Chamatkarik Youth Saving Account | - | 3.60% |
| 17 | Life Savings Account | 10,000 | 3.60% |
| 18 | Samajik Surakshya Bachat Khata | - | 3.60% |
| 19 | Social Security Relief Account | - | 3.60% |
| 20 | Samriddha Nepal Sukhi Nepali Bachat Khata | 100 | 3.60% |
| 21 | Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 3.60% |
| 22 | New Super Chamatkarik Bachat Khata-Silver | 1,000 | 3.60% |
| 23 | New Super Chamatkarik Bachat Khata-Gold | 25,000 | 3.60% |
| 24 | New Super Chamatkarik Bachat Khata-Diamond | 50,000 | 3.60% |
| 25 | New Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 3.60% |
| 26 | New Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 3.60% |
| 27 | New Super Chamatkarik Nari Bachat Khata-Diamond | 50,000 | 3.60% |
| 28 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 3.60% |
| 29 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 3.60% |
| 30 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 50,000 | 3.60% |
| 31 | New Super Chamatkarik Talab Bachat Khata | - | 3.60% |
| 32 | New Super Chamatkarik Babu Nani Bachat Khata | - | 3.60% |
| 33 | New Super Chamatkarik Bidhyarthi Bachat Khata | - | 3.60% |
| 34 | New Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 3.60% |
| 35 | New Super Chamatkarik Swarojgar Bachat Khata | - | 3.60% |
| 36 | New Super Chamatkarik Sahaj Bachat Khata | - | 3.60% |
| 37 | New Premium Super Chamatkarik Bachat Khata- Silver | 1,000 | 3.60% |
| 38 | New Premium Super Chamatkarik Bachat Khata- Gold | 25,000 | 3.60% |
| 39 | New Premium Super Chamatkarik Bachat Khata- Diamond | 50,000 | 3.60% |
| 40 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver | 1,000 | 3.60% |
| 41 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold | 25,000 | 3.60% |
| 42 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond | 50,000 | 3.60% |
| 43 | New Premium Super Chamatkarik Nari Bachat Khata- Silver | 1,000 | 3.60% |
| 44 | New Premium Super Chamatkarik Nari Bachat Khata- Gold | 25,000 | 3.60% |
| 45 | New Premium Super Chamatkarik Nari Bachat Khata- Diamond | 50,000 | 3.60% |
| 46 | New Premium Super Chamatkarik Talab Bachat Khata- Prime | - | 3.60% |
| 47 | New Premium Super Chamatkarik Talab Bachat Khata- Normal | - | 3.60% |
| 48 | New Premium Super Chamatkarik Sahaj Bachat Khata | - | 3.60% |
| 49 | New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond | - | 3.60% |
| 50 | New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime | - | 3.60% |
| 51 | New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal | 500 | 3.60% |
| 52 | New Premium Super Chamatkarik Swarojgar Bachat Khata | - | 3.60% |
| LCY Masik Nichhep Khata - Individual | Minimum Balance (NPR) | Interest Rate(% p.a) | |
|---|---|---|---|
| 1 | New Premium Super Chamatkarik Masik Nicchep Khata | 500 | 8.60% |
| 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 to 10 years | 8.60% | 8.60% | 8.60% |
| LCY Fixed Deposit | Interest Rate(%p.a) | Rate(% p.a) |
| Call Deposit (NPR) | Nil | up to 1.80% |
| FCY Deposit | Minimum Balance | Rate(%p.a) |
| Sulav Bachat Khata | USD 25 | 2.00% |
| USD Saving Account | USD 25 | 2.00% |
| USD Super Saving Account | USD 100 | 2.00% |
| USD Premium Saving Account | Nil | 2.00% |
| Diamond USD Saving Account | USD 25 | 4.00% |
| Diamond EURO Saving Account | EURO 25 | 3.00% |
| Diamond GBP Saving Account | GBP 25 | 3.00% |
| Diamond AUD Saving Account | AUD 25 | 3.00% |
| Other FCY Saving Deposits (EURO, GBP, AUD) | USD 25 Equivalent | 2.00% |
| Sweep in & Sweep Out Deposit | Interest Rate (% p.a) |
| Sweep in & Sweep Out Deposit (USD) | 5.00% |
| Sweep in & Sweep Out Deposit (EURO,GBP, AUD) | 4.00% |
| FCY Fixed Deposit (Individual) | Tenure | Minimum Balance | Rate (% p.a) |
| FCY Fixed Deposit Account (Individual) (USD) | 3 months to 1 year | Nil | 5.00% |
| FCY Fixed Deposit Account (Individual) (EUR, GBP, AUD) | Nil | 4.00% | |
| FCY Fixed Deposit (Institutional) | Tenure | Minimm Balance | Rate (% p.a) |
| FCY Fixed Deposit Account (Institutional) (USD) | Up to 1 year | Nil | up to 5.00% |
| FCY Fixed Deposit Account (Institutional) (EUR, GBP, AUD) | Nil | up to 4.00% |
| FCY Fixed Deposit | Minimum Balance | Rate(% p.a) |
| Call Deposit (USD, EURO, GBP, AUD) | Nil | up to 1% |
Deposit Note: Interest Payment Frequency - Quarterly
| 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 % | 12.77% |
| Loan Against Mortage Property | ||
| a. NIC ASIA Home Loan OD | Base Rate + UpTo 6 % | - |
| b. NIC ASIA Home Equity Loan | ||
| UpTo 15 Years | Base Rate + UpTo 6 % | 12.77% |
| Above 15 Years | - | |
| c. NIC ASIA Residential Home Loan | ||
| UpTo 15 Years | Base Rate + UpTo 6% | 12.77% |
| Above 15 Years | - | |
| d. NIC ASIA Easy Home Equity Loan | ||
| UpTo 15 Years | Base Rate + UpTo 6% | 12.77% |
| Above 15 Years | - | |
| Education Loan | ||
| UpTo 15 Years | Base Rate + UpTo 6% | 12.77% |
| Personal Loan (UpTo 5 Years) | Base Rate + UpTo 6 % | 12.77% |
| Foreign Employment Loan (Up to 5 Years) | Base Rate + UpTo 6% | 12.77% |
| 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) |
| 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 Shrawan (2078): 6.84% | |
| Interest Spread Shrawan (2078): 3.99% | |
Note: Loan and advances
- For Consortium Loans, the interest rate shall be as per consortium decision.
- For Subsidy Based Deprived Sector lending, interest rates as per NRB Directives shall apply.
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असीमित सुरक्षा, उच्च प्रतिफल र अतुलनीय सहजताका साथ एन आई सी एशिया बैंकले ल्याएको छ, न्यू प्रिमियम सुपर चमत्कारिक बचत खाता । जसमा छन्, अनुपम सुविधाले भरिपूर्ण निक्षेप योजनाहरू
