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Branch 
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Interest Rate
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The Bank has revised lnterest Rate on Fixed Deposit Products including recurring deposits and Sweep in and Sweep out facility to 6.5% p.a. effective from 1st Poush 2077 (16th December, 2020).
| S.N | Saving Deposits | Minimum Balance(NPR) | Interest Rate(%p.a) |
| 1 | Youth Savings Account | 100 | 1.50% |
| 2 | Sulav Bachat Khata | 500 | 1.50% |
| 3 | Life Savings Account | 10,000 | 1.50% |
| 4 | Happy Savings Account | 1,000 | 1.50% |
| 5 | Shareholder Savings Account | 100 | 1.50% |
| 6 | Share Shuvidha Bachat Khata | 500 | 1.50% |
| 7 | Special Savings Account | 5,000 | 1.50% |
| 8 | Super Special Savings Account | 10,000 | 1.50% |
| 9 | Premium Savings Account | 25,000 | 1.50% |
| 10 | Samrakchyak Bachat Khata | - | 1.50% |
| 11 | Krishak Samriddha Bachat Khata | - | 1.50% |
| 12 | Samajik Surakshya Bachat Khata | - | 1.50% |
| 13 | Social Security Relief Account | - | 1.50% |
| 14 | EPS Korea Bachat Khata | - | 1.50% |
| 15 | Online Bachat Khata | - | 1.50% |
| 16 | Samunnati Bachat Khata | - | 1.50% |
| 17 | Samunnati Plus Bachat Khata | 1,000 | 1.50% |
| 18 | Premium Sammunati Bachat Khata | 1,000 | 1.50% |
| 19 | Karmashil Bachat Khata | - | 1.50% |
| 20 | Little Star Savings Account | 500 | 1.50% |
| 21 | Nari Shakti Bachat Khata | - | 1.50% |
| 22 | Remit Savings Account | 100 | 1.50% |
| 23 | Senior Privileged Saving Account | - | 1.50% |
| 24 | Super Payroll Account | - | 1.50% |
| 25 | Swabalambi Nari Bachat Khata | - | 1.50% |
| 26 | New Premium Sammunati Bachat Khata | 1,000 | 1.50% |
| 27 | Chamatkarik Bachat Khata-Silver | 1,000 | 1.50% |
| 28 | Chamatkarik Bachat Khata-Gold | 25,000 | 1.50% |
| 29 | Chamatkarik Bachat Khata-Diamond | 100,000 | 1.50% |
| 30 | Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.50% |
| 31 | Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.50% |
| 32 | Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 1.50% |
| 33 | Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.50% |
| 34 | Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.50% |
| 35 | Chamatkarik Nari Bachat Khata-Diamond | 100,000 | 1.50% |
| 36 | Chamatkarik Talab Bachat Khata | - | 1.50% |
| 37 | Chamatkarik Babu Nani Bachat Khata | - | 1.50% |
| 38 | Chamatkarik Bidhyarthi Bachat Khata | - | 1.50% |
| 39 | Chamatkarik Udhyamshil Bachat Khata | 500 | 1.50% |
| 40 | Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.50% |
| 41 | Samriddha Nepal Sukhi Nepali Bachat Khata | 100 | 1.50% |
| 42 | Chamatkarik Swarojgar Bachat Khata | - | 1.50% |
| 43 | Babu Nani Bachat Khata | - | 1.50% |
| 44 | Baidesik Rojgar Bachat Khata | 500 | 1.50% |
| 45 | Chamatkarik Bachat Khata | 1,000 | 1.50% |
| 46 | Chamatkarik Online Bachat Khata | - | 1.50% |
| 47 | Udhyamshil Bachat Khata | 500 | 1.50% |
| 48 | Super Chamatkarik Bachat Khata-Silver | 1,000 | 1.50% |
| 49 | Super Chamatkarik Bachat Khata-Gold | 25,000 | 1.50% |
| 50 | Super Chamatkarik Bachat Khata-Diamond | 100,000 | 1.50% |
| 51 | Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.50% |
| 52 | Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.50% |
| 53 | Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 100,000 | 1.50% |
| 54 | Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.50% |
| 55 | Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.50% |
| 56 | Super Chamatkarik Nari Bachat Khata-Diamond | 100,000 | 1.50% |
| 57 | Super Chamatkarik Talab Bachat Khata | - | 1.50% |
| 58 | Super Chamatkarik Babu Nani Bachat Khata | - | 1.50% |
| 59 | Super Chamatkarik Bidhyarthi Bachat Khata | - | 1.50% |
| 60 | Super Chamatkarik Swarojgar Bachat Khata | - | 1.50% |
| 61 | Super Chamatkarik Udhyamshil Bachat Khata | 500 | 1.50% |
| 62 | Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.50% |
| 63 | New Super Chamatkarik Bachat Khata-Silver | 1,000 | 1.50% |
| 64 | New Super Chamatkarik Bachat Khata-Gold | 25,000 | 1.50% |
| 65 | New Super Chamatkarik Bachat Khata-Diamond | 50,000 | 1.50% |
| 66 | New Super Chamatkarik Nari Bachat Khata-Silver | 1,000 | 1.50% |
| 67 | New Super Chamatkarik Nari Bachat Khata-Gold | 25,000 | 1.50% |
| 68 | New Super Chamatkarik Nari Bachat Khata-Diamond | 50,000 | 1.50% |
| 69 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Silver | 1,000 | 1.50% |
| 70 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Gold | 25,000 | 1.50% |
| 71 | New Super Chamatkarik Jestha Nagarik Bachat Khata-Diamond | 50,000 | 1.50% |
| 72 | New Super Chamatkarik Talab Bachat Khata | - | 1.50% |
| 73 | New Super Chamatkarik Babu Nani Bachat Khata | - | 1.50% |
| 74 | New Super Chamatkarik Bidhyarthi Bachat Khata | - | 1.50% |
| 75 | New Super Chamatkarik Baideshik Rojgar Bachat Khata | 500 | 1.50% |
| 76 | New Super Chamatkarik Swarojgar Bachat Khata | - | 1.50% |
| 77 | New Super Chamatkarik Sahaj Bachat Khata | - | 1.50% |
| 78 | New Premium Super Chamatkarik Bachat Khata- Silver | 1,000 | 3.50% |
| 79 | New Premium Super Chamatkarik Bachat Khata- Gold | 25,000 | 3.50% |
| 80 | New Premium Super Chamatkarik Bachat Khata- Diamond | 50,000 | 3.50% |
| 81 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Silver | 1,000 | 3.50% |
| 82 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Gold | 25,000 | 3.50% |
| 83 | New Premium Super Chamatkarik Jestha Nagarik Bachat Khata- Diamond | 50,000 | 3.50% |
| 84 | New Premium Super Chamatkarik Nari Bachat Khata- Silver | 1,000 | 3.50% |
| 85 | New Premium Super Chamatkarik Nari Bachat Khata- Gold | 25,000 | 3.50% |
| 86 | New Premium Super Chamatkarik Nari Bachat Khata- Diamond | 50,000 | 3.50% |
| 87 | New Premium Super Chamatkarik Talab Bachat Khata- Prime | - | 3.50% |
| 88 | New Premium Super Chamatkarik Talab Bachat Khata- Normal | - | 3.50% |
| 89 | New Premium Super Chamatkarik Sahaj Bachat Khata | - | 3.50% |
| 90 | New Premium Super Chamatkarik Babu Nani Bachat Khata- Diamond | - | 3.50% |
| 91 | New Premium Super Chamatkarik Bidhyarthi Bachat Khata- Prime | - | 3.50% |
| 92 | New Premium Super Chamatkarik Baiseshik Bachat Khata- Normal | 500 | 3.50% |
| 93 | New Premium Super Chamatkarik Swarojgar Bachat Khata | - | 3.50% |
| LCY Masik Nichhep Khata - Individual | Minimum Balance (NPR) | Interest Rate(% p.a) | |
|---|---|---|---|
| 1 | New Premium Super Chamatkarik Masik Nicchep Khata | 500 | 6.50% |
| 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 | 6.50% | 6.50% | 6.50% | |
| Above 3 months and above | 6.50% | 6.50% | 6.50% | |
| FCY Deposit | Minimum Balance | Rate(%p.a) |
| Sulav Bachat Khata | USD 25 | 0.50% |
| USD Saving Account | USD 25 | 0.50% |
| USD Super Saving Account | USD 100 | 0.50% |
| USD Premium Saving Account | Nill | 0.50% |
| FCY Fixed Deposit | Minimum Balance | Rate(%p.a) |
| FCY Fixed Deposit Account | Nill | 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% | ||
| AUD Fixed Deposit Account | 1% | ||
| GBP Fixed Deposit Account | 1% |
Deposit Note:
- Interest Payment Frequency - Quarterly.
- The interest rate on Sweep In and Sweep Out facility for opening a 3-months term deposit shall be 7.25%
| The Interest rate on Loan 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 Mortage Property | ||
| a. NIC ASIA Home Loan OD | Base Rate + UpTo 7% | - |
| b. NIC ASIA Home Equity Loan | ||
| UpTo 5 Years | Base Rate + UpTo 7% | 14.00% |
| UpTo 10 Years | 14.50% | |
| UpTo 15 Years | 15.00% | |
| c. NIC ASIA Residential Home Loan | ||
| UpTo 5 Years | Base Rate + UpTo 7% | 13.00% |
| UpTo 10 Years | 13.50% | |
| UpTo 15 Years | 14.00% | |
| d. NIC ASIA Easy Home Equity Loan | ||
| UpTo 5 Years | Base Rate + UpTo 7% | 14.00% |
| UpTo 10 Years | 14.50% | |
| UpTo 15 Years | 15.00% | |
| Education Loan | ||
| UpTo 5 Years | Base Rate + UpTo 7% | 13.00% |
| UpTo 10 Years | 13.50% | |
| UpTo 15 Years | 14.00% | |
| Personal Loan (UpTo 5 Years) | Base Rate + UpTo 7% | 15.00% |
| Foreign Employment Loan (Up to 5 Years) | Base Rate + UpTo 7% | 15.00% |
| Gold Loan | Base Rate + UpTo 7% | |
| Loan Against Share | Base Rate + UpTo 7% | |
| Loyalty Financing Facility | Base Rate + UpTo 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
- 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.
- 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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