Interest Rates
Indicators Shrawan end 2077
Base Rate 7.49%
Cost of fund 5.75%
Interest spread 4.36%
Base Rate 7.88% (Average for 3 months) (Basisakh: 8.19%,Jestha: 7.95%,Asadh: 7.51%)

 

Effective from 17th September, 2020

 

Deposit Interest Rates
Saving Accounts % per annum
Afnai Bachat Khata 3.00
E ZEE Student (ESA) 3.00
Keta Keti Bachat Khata 3.00
Locker account 3.00
Lotus Savings Account 3.00
Pariwar Bachat Khata 3.00
Prithivi Remittance Account 3.00
Karmachari Bachat Khata 3.25
EZEE Savings 3.00
NIBL Savings Bonanza 3.25
Surakshya Bachat Khata 3.00
Saving Branchless banking 4.00
Social Security Account 5.00
Credit Card Scheme 3.00
Access to Finance Program 5.00
Saving Trading Account 3.00
NIBL Corporate Saving Account 5.00
Retirement Fund Account 4.50
FCY Saving USD 0.75
FCY Others 0.15
Nibl Online Savings Account (New) 5.00

 

 

Fixed Deposit (% per annum)
PARTICULARS
Interest Rate (%)
Individual Deposit (Up to 1 year) 7.75
Individual Deposit (Above 1 year) 8.25
Institutional Deposit (New) 7.00
Institutional Deposit (Renewal) 7.10
Institutional Deposit (Bidding New) 6.50
Institutional Deposit (Bidding Renewal) 6.60
Recurring Fixed Deposit for 33 months 8.25
Green Double Fixed Deposit Fixed Deposit to be doubled in 8.5 years

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 1.50% to 5.00%
Working Capital Base rate + 1.50 to 5.00
Short term loan Base rate + 2.0 to 5.00
Contract Loan Base rate + 1.75 to 5.00
Short term time loan Base rate + 1.75 to 5.00
Trust Receipt Base rate + premium up to 5.00%
Export Credit Base rate + premium up to 4.00%
Term Loan Base rate + 1.50 to 5.00
Medium Term Loan/ Bridge Gap Loan
Base rate + 1.75 to 5.00
Loan for Deprived Sector*
Base rate + 0.50 to 4.00
Pledge Loan
Base rate + 1.00 to 4.50
Personal OD / Mortgage Loan
Base rate + upto 5.00
Housing Loan
Base rate + 1.50 to 5.00
Hire Purchase
Base rate + 1.50 to 5.00
Loan against Fixed Deposit Coupon Rate + Premium upto 3%
Loan against Govt. Bond Coupon Rate + Premium upto 3%
Loan against Bonds of other Banks Base rate + 3.00 to 5.00
Loan Against Lien on account balance Base rate + Premium upto 2.00 %
Loan Against 1st class Guarantee Base rate + 0.50 to 5.00
FCY Denominated loan*
LIBOR for 1 year + upto 5.00
FCY Export Loan (Pre/Post shipment loan)
LIBOR for 1 year +  1.25 %
FCY TR/ import Loan
Libor of 180 days + 2.25% to 3.50%
Clean Social Loan Base rate + 2.00 to 5.00
Solar Loan Base rate + 0.15 to 4.00
Loan against Life Insurance Policy Base rate + 1.00 to 4.00
Education Loan Base rate + 2.00% to 5.00%
Credit Card Loan 2% per month
Other Loans Base rate +premium 4.00 to 5.00 %

 

 

 

Lending Rates
Particulars Fixed interest rate for 1 year p.a. Floating interest rate p.a.
Loan against shares 9.99% p.a Base Rate + Premium 2% to 5% p.a.
Loan Against Pledge of Gold / Silver* 9.99% p.a Base Rate + Premium 3% to 5% p.a.
NIBL Home Loan 9.99% p.a. Base rate + 1.50% to 5% p.a.
Productive Agriculture & Livestock Loan/ Pledge Loan 9.99% p.a. Base rate + Premium 1 % to 4.50% p.a.
Sustainable Short Term Loan 8.00% p.a. Base rate + 1.50% to 5% p.a.

 

 

Fixed Lending Interest Rates *
Interest Rates
PARTICULARS
1 Year
Up to 7 Years
Up to 10 Years
NIBL ECO Loan 9.99
NIBL SME Loan 9.99
Loan Against Shares 9.99
Loan Against Pledge of Gold & Silver 9.99
Sustainable Short Term Loan 8.00
Growing Enterprise Loan 7.99
Productive Agriculture Loan 9.99
NIBL Home Loan 9.99 10.50 12.50
Personal Hire Purchase Loan 10.75
Other Retail Loan 11.00 13.00

 

 

 

Notes:

- Rates on Lending shall be adjusted as per change in base rate of the Bank.

- Interest rate on direct deprived sector lending shall be as per existing agreement.

- Fixed lending interest rates shall be fixed for maximum of one year.

- Rate on consortium financing shall be decided by consortium meeting.

- Applied base rate is average of 4th quarter of  FY 2076/77.

 

- Specific product feature, interest rate and minimum balance for various saving deposits will be as per information provided in Bank’s website.

 

 

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