Interest Rates

Relevant Ratios for the Month of Aswin 2074

Base Rate 8.91%
Interest Spread LCY (As per NRB Directives) 4.32%

 

(Effective from 1st November 2017 (15th Kartik 2074) )

 

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 8.50 8.0
*Special Bulk Fixed Deposit Account -Institution 8.0 7.5
Retirement fund Account 5.0
FCY Fixed Deposit Negotiable

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 0.5 to 6.25
Working Capital Base rate + 0.25 to 6.00
Short term loan / Time loan/Contract Loan Base rate + 0.50 to 6.50
Trust Receipt Base rate + premium upto 5.50
Export Credit Base rate + 1.00 to 5.00
Term Loan Base rate + 0.75 to 6.25
Medium Term Loan/Bridge Gap Loan
Base rate + 1.00 to 6.00
Loan for Deprived Sector*
Base rate + 0.50 to 5.00
Productive Agriculture & Livestock Loan/Pledge Loan
Base rate + 0.25 to 3.50
Personal OD / Mortgage Loan
Base rate + 1.0 to 6.25
Housing Loan
Base rate + 0.75 to 6.00
Hire Purchase
Base rate + 1.15 to 6.15
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 + 2.50 to 4.00
Clean Social Loan Base rate + 2.00 to 7.00
Solar Loan Base rate + 1.00 to 6.00
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 5.00 to 7.00

 

Notes:

  • Despite of increase in Base rate of the Bank from 8.36% (Ashad 74) to 8.91% (Ashwin74), rate on lending is not increased proportionately
  • *Interest rate on Direct Deprived Sector lending shall be as per the existing agreement.
  • 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
  • Fixed deposit rates under competitive bidding shall be negotiable and as agreed with customers.
  • 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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