Interest Rate

A. Deposit
Savings Deposits Minimum Balance (NPR) Interest Rate (% p.a)
Youth Savings Account 100 4.5%
Sulav Bachat Khata 500 4.5%
Life Savings Account 10,000 4.5%
Happy Savings Account 1,000 4.5%
Shareholder Savings Account 100 4.5%
Share Shuvidha Bachat Khata 500 4.5%
Special Savings Account 5,000 4.5%
Super Special Savings Account 10,000 4.5%
Premium Savings Account 25,000 4.5%
Samrakchyak Bachat Khata - 4.5%
Krishak Samriddha Bachat Khata - 4.5%
Samajik Surakshya Bachat Khata - 4.5%
Social Security Relief Account - 4.5%
EPS Korea Bachat Khata - 4.5%
Online Bachat Khata - 4.5%
Samunnati Bachat Khata - 4.5%
Samunnati Plus Bachat Khata 1,000 4.5%
Premium Sammunati Bachat Khata 1,000 4.5%
Bidhyarthi Bachat Khata - 4.5%
Karmashil Bachat Khata - 4.5%
Little Star Savings Account 500 4.5%
Nari Shakti Bachat Khata - 4.5%
Remit Savings Account 100 4.5%
Senior Privileged Saving Account - 4.5%
Super Payroll Account - 4.5%
Swabalambi Nari Bachat Khata - 4.5%
New Premium Sammunati Bachat Khata 1,000 6.5%
Chamatkarik Bachat Khata-Silver 1,000 6.5%
Chamatkarik Bachat Khata-Gold 25,000 6.5%
Chamatkarik Bachat Khata-Diamond 100,000 6.5%
Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.5%
Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.5%
Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 6.5%
Chamatkarik Nari Bachat Khata-Silver 1,000 6.5%
Chamatkarik Nari Bachat Khata-Gold 25,000 6.5%
Chamatkarik Nari Bachat Khata-Diamond 100,000 6.5%
Chamatkarik Talab Bachat Khata - 6.5%
Chamatkarik Babu Nani Bachat Khata - 6.5%
Chamatkarik Bidhyarthi Bachat Khata - 6.5%
Chamatkarik Udhyamshil Bachat Khata 500 6.5%
Chamatkarik Baideshik Rojgar Bachat Khata 500 6.5%
Samriddha Nepal Sukhi Nepali Bachat Khata 100 6.5%
Chamatkarik Swarojgar Bachat Khata - 6.5%
Babu Nani Bachat Khata - 6.5%
Baidesik Rojgar Bachat Khata 500 6.5%
Chamatkarik Bachat Khata 1,000 6.5%
Chamatkarik Online Bachat Khata - 6.5%
Udhyamshil Bachat Khata 500 6.5%
Super Chamatkarik Bachat Khata-Silver 1,000 6.50%
Super Chamatkarik Bachat Khata-Gold 25,000 6.50%
Super Chamatkarik Bachat Khata-Diamond 100,000 6.50%
Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.50%
Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.50%
Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 100,000 6.50%
Super Chamatkarik Nari Bachat Khata-Silver 1,000 6.50%
Super Chamatkarik Nari Bachat Khata-Gold 25,000 6.50%
Super Chamatkarik Nari Bachat Khata-Diamond 100,000 6.50%
Super Chamatkarik Talab Bachat Khata - 6.50%
Super Chamatkarik Babu Nani Bachat Khata - 6.50%
Super Chamatkarik Bidhyarthi Bachat Khata - 6.50%
Super Chamatkarik Swarojgar Bachat Khata - 6.50%
Super Chamatkarik Udhyamshil Bachat Khata 500 6.50%
Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.50%
New Super Chamatkarik Bachat Khata-Silver 1,000 6.50%
New Super Chamatkarik Bachat Khata-Gold 25,000 6.50%
New Super Chamatkarik Bachat Khata-Diamond 50,000 6.50%
New Super Chamatkarik Nari Bachat Khata-Silver 1,000 6.50%
New Super Chamatkarik Nari Bachat Khata-Gold 25,000 6.50%
New Super Chamatkarik Nari Bachat Khata-Diamond 50,000 6.50%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver 1,000 6.50%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold 25,000 6.50%
New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond 50,000 6.50%
New Super Chamatkarik Talab Bachat Khata - 6.50%
New Super Chamatkarik Babu Nani Bachat Khata - 6.50%
New Super Chamatkarik Bidhyarthi Bachat Khata - 6.50%
New Super Chamatkarik Baideshik Rojgar Bachat Khata 500 6.50%
New Super Chamatkarik Swarojgar Bachat Khata - 6.50%
New Super Chamatkarik Sahaj Bachat Khata - 6.50%
 LCY Fixed Deposit (Upto 1 Year)   Minimum Balance (NPR) Interest Rate (% p.a)
Institutional Individual
Fresh Renewal
New Super Chamatkarik Fixed Deposit-Silver  100,000 8.5% 8.6% 9.25%
New Super Chamatkarik Fixed Deposit-Gold 1,000,000 8.5% 8.6% 9.25%
New Super Chamatkarik Fixed Deposit-Diamond 2,500,000 8.5% 8.6% 9.25%
LCY Recurring Deposits Minimum Balance (NPR) Interest Rate (% p.a.)
New Super Chamatkarik Masik Nicchep Khata (Individual) 500 9.25%
LCY Fixed Deposit   Minimum Balance (NPR) Interest Rate (% p.a.)
Institutional Individual
Fresh Renewal
3 months to 10 years - 8.5% 8.6% 9.25%
FCY Deposits Minimum Balance Rate (% p.a.)
Sulav Bachat Khata USD 25 2.6%
USD Savings Account USD 25 2.6%
USD Super Saving Account USD 100 2.6%
USD Premium Savings Account NIL 2.6%
FCY Fixed Account NIL Negotiable
LCY Deposits - Other  Minimum Balance (NPR) Rate (% p.a.)
NIC ASIA Sikshya  Kosh & Sikshya Kosh Plus Account 100 Up to 4.5%
Call Deposit Negotiable (Subject to NRB Directive)
FCY Fixed Deposit for NRN (Minimum 2 Years) Minimum Balance Rate (% p.a.)
FCY Fixed Deposit Account (USD)  USD 10,000 or Equivalent  5%
FCY Fixed Deposit Account (EURO) 2.5%
FCY Fixed Deposit Account (GBP) 3%
FCY Fixed Deposit Account (AUD) 2.5%
B. Lending Rates
Retail Premium over Base Rate (% p.a.) *
Auto Loan Up to 7%
Loan Against Mortgage Property  
a. NIC ASIA Home Loan OD Up to 7%
b. NIC ASIA Home Equity Loan Up to 7%
c. NIC ASIA Residential Home Loan Up to 7%
Gold Loan Up to 7%
Loan Against Share Up to 7%
Personal Loan Up to 7%
Education Loan Up to 7%
Foreign Employment Loan Up to 7%
Loyalty Financing Facility Up to 7%
Others Premium over Base Rate (% p.a.)*
Export Credit Up to 7%
Loan against Own Fixed Deposit Receipt Up to 7%
Loan against Other Bank’s Fixed Deposit Receipt Up to 7%
Loan against 1st class Bank guarantee Up to 7%
Loan against Government Securities (Max draw down 80%) Up to 7%
Equipment Financing Up to 7%
FCY Loan As per NRB Directive
SME Premium over Base Rate (% p.a.)*
Fast Track Business Loan Up to 7%
Priority Business Loan Up to 7%
Premium Business Loan Up to 7%
Commercial Agricultural and Livestock Loan Up to 2% (Guided as per NRB Regulations)
Corporate Premium over Base Rate (% p.a.)*
Import Credit /TR. Loan Up to 7%
Overdraft/Cash Credit/Working Capital Loans Up to 7%
Term Loan Up to 7%
Other Short Term Working Capital Loans Up to 7%
Deprived Sector Lending Premium over Base Rate (% p.a.)*
Deprived Sector Lending Up to 7%

*The above mentioned rates are applicable only for non-overdue and/or pass category loans as per NRB directives.

Note: Deposit
1. Interest Payment Frequency – Quarterly
2. In case of LCY Individual Fixed Deposit, additional Interest of 0.5% p.a. can be provided by branch manager.
3. Interest rate on Sweep In and Sweep Out facility for opening 3 months Term deposit shall be 9.25% p.a. and additional Interest of 0.5% p.a. can be provided by branch manager.

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