Interest Rates

Relevant Ratios for the Month of Shrawan 2076

Base Rate 8.33%
Interest Spread LCY (As per NRB Directives) 4.39%

 

Effective from 31st July, 2019 (15th Shrawan, 2076)

 

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 5.50
Saving Trading Account 3.50
NIBL Corporate Saving Account 5.50
Retirement Fund Account 5.00
FCY Saving USD 3.25
FCY Others 0.15

 

 

Fixed Deposit (% per annum)
PARTICULARS
Interest Rate (%)
Individual Deposit (3 months and above) 9.25
Institutional Deposit (3 months and above) 8.50
Institutional Deposit (Renewal Only) 8.60
Recurring Fixed Deposit for 33 months 9.25

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 2.00 to 6.50
Working Capital Base rate + 1.50 to 6.00
Short term loan / Contract Loan Base rate + 2.0 to 6.50
Short term time loan Base rate + 2.50 to 6.50
Trust Receipt Base rate + 1.00 to 5.50
Export Credit Base rate + 1.50 to 5.00
Term Loan Base rate + 1.50 to 6.50
Medium Term Loan/Bridge Gap Loan
Base rate + 2.00 to 6.50
Loan for Deprived Sector*
Base rate + 0.50 to 4.00
Productive Agriculture & Livestock Loan/Pledge Loan
Base rate + 1.00 to 5.50
Personal OD / Mortgage Loan
Base rate + Premimum upto 6.50
Housing Loan
Base rate + 1.50 to 6.00
Hire Purchase
Base rate + 2.00 to 6.50
Loan against Fixed Deposit Coupon Rate + Premium upto 3%
Loan against Govt. Bond Base rate + 1.00 to 2.50
Loan against Bonds of other Banks Base rate + 3.00 to 5.00
Loan against shares
Base rate + 2.00 to 6.00
Loan Against Lien on account balance Base rate + Premium upto 2.00 %
Loan Against 1st class Guarantee Base rate + 0.50 to 5.00
Loan Against pledge of gold / silver
Base rate + 3.00 to 6.50
FCY Denominated loan
LIBOR for 1 year + upto 5.00
FCY Export Loan (Pre/Post shipment loan)
LIBOR for 1 year + upto 1.25
FCY TR/import Loan
LIBOR for 6 months + upto 1.25
Clean Social Loan Base rate + 2.00 to 6.50
Solar Loan Base rate + 0.15 to 5.00
Loan against Life Insurance Policy Base rate + 1.75 to 5.00
Education Loan Base rate + 3.00 to 6.25
Credit Card Loan 2% per month
Other Loans Base rate +premium 4.00 to 6.50 %

 

Notes:

  • Rates on lending will be adjusted as per base rate of the Bank on quarterly basis.
  • *Interest rate on Direct Deprived Sector lending shall be as per existing agreement.
  • Rate on Consortium financing shall be decided by consortium meetings.
  • Risk premium upto 2% may be levied for loan seeking additional provisioning/Above rate may not be applicable for NPA.
  • Penal Interest of 2% will be applied on the expired/overdue loan.
  • Specific product feature, interest rate and minimum balance for various savings deposits will be as per information provided in Bank's website.

 

 

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