Interest Rates

Relevant Ratios for the Month of Ashadh 2074

Base Rate 8.36%
Interest Spread LCY (As per NRB Directives) 3.90%

 

 

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
FCY Saving USD 0.25
FCY Others 0.15

 

 

Fixed Deposit (% per annum)
PARTICULARS
Prime (%)
Standard (%)
Up to 3 months 4.50 4.00
Above 3 months to 6 months 6.00 5.50
Above 6 months to upto 1 year 8.00 7.50
Above 1 year 7.00 6.50
*Special Bulk Fixed Deposit Account -Individual 9.00 8.50
*Special Bulk Fixed Deposit Account -Institution 8.50 8.00
Retirement fund Account 5.0
FCY Fixed Deposit Negotiable

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 1.25 to 6.75
Working Capital Base rate + 1.00 to 6.75
Short term loan / Time loan Base rate + 1.00 - 6.75
Trust Receipt Base rate + 0.50 to 5.50
Export Credit Base rate + 1.50 to 6.50
Term Loan Base rate + 1.50 to 6.50
Medium Term Loan
Base rate + 1.50 to 7.00
Loan for Deprived Sector*
Base rate + 1.00 to 5.00
Productive Agriculture & Livestock Loan
Base rate + 1.50 to 4.00
Personal OD / Mortgage Loan
Base rate + 1.50 to 7.00
Housing Loan
Base rate + 1.50 to 6.50
Hire Purchase
Base rate + 1.75 to 6.75
Loan against Fixed Deposit +3% on the coupon rate
Loan against Govt.Bond Base rate + 0.50 to 2.50
Loan against Bonds of other Banks Base rate + 5.50 to 7.00
Loan against shares
Base rate + 1.50 to 6.75
Loan Against Lien on account balance Base rate + 0.50 to 3.00
Loan Against 1st class Guarantee Base rate + 0.50 to 6.00
Loan Against pledge of gold / silver
Base rate + 2.50 to 7.00
USD Denominated loan**
1 year Libor + 2.00 to 5.00
Clean Social Loan
Base rate + 2.50 to 7.00
USD TR/Import Loan Libor + 2.50 to 5.00
Solar Loan Base rate + 1.00 to 6.75
Loan against Life Insurance Policy Base rate + 2.50 to 5.50
Education Loan Base rate + 3.00 to 6.75
Other Loans Base rate + 7.00 to 7.50

 

Notes:

  • Lending rates shall be changed by the same percentage as change in the Base rate of the Bank published in Bank's website, on a quarterly basis.
  • Rate on Consortium financing as decided by consortium meetings.
  • 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
  • Fixed deposit rates under competitive bidding shall be negotiable and as agreed with customers.

 

 

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