Interest Rates

Relevant Ratios for the Month of Chaitra 2074

Base Rate 9.12%
Interest Spread LCY (As per NRB Directives) 4.28%

 

(Effective from 22 June 2018 (8 Ashadh 2075) )

 

Deposit Interest Rates
Saving Accounts % per annum
Afnai Bachat Khata 3.50
E ZEE Student (ESA) 3.50
Keta Keti Bachat Khata 3.50
Locker account 3.50
Lotus Savings Account 3.50
Pariwar Bachat Khata 3.50
Prithivi Remittance Account 3.50
Karmachari Bachat Khata 3.75
EZEE Savings 3.50
NIBL Savings Bonanza 3.75
Surakshya Bachat Khata 3.50
Saving Branchless banking 4.50
Social Security Account 5.50
Credit Card Scheme 3.50
Access to Finance Program 3.50
Saving Trading Account 3.50
NIBL Corporate Saving Account 5.50
Retirement Fund Account 5.00
FCY Saving USD 0.25
FCY Others 0.15

 

 

Fixed Deposit (% per annum)
PARTICULARS
Prime (%)
Standard (%)
Upto 6 months 9.75 9.25
Above 6 months to upto 1 year 10.00 9.50
Above 1 year 10.50 10.25
*Special Bulk FD 10.50

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 0.75 to 6.75
Working Capital Base rate + 0.5 to 6.25
Short term loan / Time loan/Contract Loan Base rate + 1.0 to 6.75
Trust Receipt Base rate + premium upto 5.50
Export Credit Base rate + 1.00 to 5.00
Term Loan Base rate + 0.75 to 6.50
Medium Term Loan/Bridge Gap Loan
Base rate + 1.00 to 6.75
Loan for Deprived Sector*
Base rate + 0.50 to 4.00
Productive Agriculture & Livestock Loan/Pledge Loan
Base rate + 0.25 to 6.00
Personal OD / Mortgage Loan
Base rate + 1.0 to 6.75
Housing Loan
Base rate + 0.75 to 6.00
Hire Purchase
Base rate + 1.15 to 6.75
Loan against Fixed Deposit +3% on the coupon rate
Loan against Govt.Bond Base rate + 0.25 to 2.50
Loan against Bonds of other Banks Base rate + 3.00 to 6.00
Loan against shares
Base rate + 1.00 to 6.00
Loan Against Lien on account balance Base rate + 0.25 to 3.00
Loan Against 1st class Guarantee Base rate + 0.50 to 5.00
Loan Against pledge of gold / silver
Base rate + 2.00 to 6.50
FCY Denominated loan**
Libor for 1 year + 2.00 to 5.00
FCY TR/import Loan
Libor 180 days + 2.00 to 4.00
Clean Social Loan Base rate + 2.00 to 6.75
Solar Loan Base rate + 0.15 to 5.00
Loan against Life Insurance Policy Base rate + 1.75 to 5.25
Education Loan Base rate + 2.25 to 6.25
Other Loans Base rate +premium 4.00 to 7.00

 

Notes:

  • Rate on lending may be increased proportionately as per increase in base rate of the Bank from 9.00% (Poush 74) to 9.12% (Chaitra 74)
  • *Interest rate on Direct Deprived Sector lending shall be as per the existing agreement.
  • Rate on Consortium financing shall be as decided by consortium meetings.
  • Above rate may not be applicable for categorized loan.
  • Rate on USD denominated loan** for export credit as per NRB circular will be reviewed on quarterly basis.
  • Interest subsidy shall be provided as per NRB policy/subsidizing authority.
  • Penal Interest @ +2% p.a. will be applied on overdue amount/expired loan.
  • Risk premium upto 2.0% p.a. may be charged for watch-list  clients.
  • Specific product feature, interest rate and minimum balance for various Savings Deposits will be as per prevailing Bank's rule and information is available in Bank's website.

 

 

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