Effective from 10th Chaitra 2073 (23rd March 2017)
Deposits Rates Minimum Balance(NPR) %p.a.
Saving Deposits
Karmashil Bachat Khata - 7.00
Little Star Savings Account 500 7.00
Youth Savings Account 100 7.00
Nari Shakti Bachat Khata 1,000 7.00
Share Suvidha Bachat Khata 500 7.00
Super Special Savings Account 10,000 7.00
Gold Loan -
Gold Loan -
Share Shuvidha Bachat Khata 500 3.00
Little Star Savings Account 500 7.00
Happy Savings Account - 7.00
Samajik Surakshya Bachat Khata - 3.50
Swabalambi Nari Bachat Khata - 3.50
Krishak Samriddha Bachat Khata - 3.50
Samrakchyak Bachat Khata - 3.50
Senior Priviledged Saving - 3.50
Premium Saving Account 25,000 3.50
Super Payroll Account - 3.00
Super Special Saving Account - -
Special Saving Account 5,000 3.00
Shareholder Saving Account 100 3.00
Nari Shakti Bachat Khata - 2.00
Life Saving Account 10,000 1.50
Little Star Saving Account 500 1.50
Sammunati Bachat khata - 8.00
Others
Social Account 1,000 2.00
Corporate Super Account- BFIs 100,000 1.50
USD Super Savings USD 100 1.0
FCY Savings Account FCY 25 0.50
Corporate Super Account- Others 100,000 Up to 2.00
Business Account 1,000 2.00
NIC Sikshya kosh (Recurring Fixed Deposits) 100 Upto 5.00
Fixed Deposits Institutional (% p.a) Personal (% p.a)
1 Month 4.00 5.00
3 Months 4.50 5.50
6 Months 5.50 6.50
1 Year & below 2 Years 6.50 7.00
2 Years & below 5 years 7.00 7.50
Above 5 Years 8.00 8.50
NIC ASIA Dhanbarcha muddati (Limited Period offer, Minimum balance 100,000) 12.00 12.00
Swornim Muddati Khata, 3months(Limited Period offer, Minimum balance 100,000) 9.00 9.00
Swornim Muddati Khata, 6months(Limited Period offer, Minimum balance 100,000) 10.00 10.00
Swornim Muddati Khata, 9months(Limited Period offer, Minimum balance 100,000) 11.00 11.00
Swornim Muddati Khata, 12months(Limited Period offer, Minimum balance 100,000) 12.00 12.00
NIC ASIA International Visa Card -
Short Term Fixed Deposit150 days(Limited Period Offer, Minimum Balance 200,000) - 8.50
Short Term Fixed Deposit 100 days (Limited Period Offer,Minimum Balance 200,000) - 8.00
Above 1 Year & Upto 3 Years (Limited Period Offer, Minimum Balance 100,000) - 10.00%
1 year (Limited Period Offer, Minimum Balance 100,000) - 9.50%
Structured Deposits below 5 years - Negotiable (up to 7.50%)
Structured Deposits 5 years & above - Negotiable (up to 8.00%)
NIC Super Deposits
- - -
Lending Rates %p.a.
Cash Credit/Short Term Loans/ Overdrafts
Auto Loan 10.99- 15.49
Home Loan 10.99-15.49
Sajilo Subidha (Overdraft) 12.49-16.49
Sajilo Subidha (Term Loan) 11.49-15.49
Medium Enterprises 11.49-15.49
Home Loan (Upto 5 Years) 9.99
Agricultural Loans For Youths 6.00
Loan Against Shares 14.99-17.99
Sajilo Karja 13.49-16.49
Gold Loan-Overdraft 16.99
Gold Loan-Demand 15.99
Equipment Financing 15.00-17.99
Easy Business Loans 11.99-15.99
Small Business Loans 11.99-15.49
Against Government Securities( Max draw down 80%) Plus 3% or minimum 13.00%
Against Own FDR Plus 3% or minimum 12%
Against Other Bank's Fixed Deposit Receipt Plus 3% or minimum 13%
Against 1st class Bank guarantee 13.00-16.00
Deprived Sector-Institutional 9.00-12.00
Deprived Sector-Others 13.99-16.99
Education Loan 12.99-15.99
SME Mid Market 11.49- 15.49
Export Credit 10.50-13.50
Personal Loans Prime 11.99-14.99
Personal Loans Standard 14.99-17.99
Foreign Employment Loan 11.49-14.49
Loyalty Financing Facility 13.49-16.49
Real Estate Loan 14.99- 17.99
Home Loan 6.99-12.49
Corporate/ Multinational
Term Loan 11.50- 15.00
Import Credit/ TR Loan 10.50-13.50
Overdraft/Cash Credit/Working Capital Loans 11.50-14.50
Other Short term Working Capital Loans 11.00-14.50

Notes:

  • Interest rates are indicative and are subject to variation.
  • Rate on default account and watch list account may vary from the above published rates
  • Interest Rate on consortium loans shall be as decided by consortium.
  • Interest rates on specified loans directed by Nepal Rastra Bank (like Agricultural loan for youth, refinance, export oriented units in FCY, etc.) shall be as stated by Nepal Rastra Bank circular/directive.
  • Penal interest rate shall be charged at the rate of additional 2% p.a. on principal overdue and/or interest overdue on loan amount or deal or contract outstanding from the time interest and/or principal becomes overdue on the respective loan amount or deal or contract.
  • In case of temporary overdrawn account, highest published rate for the amount excess to the limit shall be charged.
  • Other Interest rates remains unchanged
interest rate
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