Interest Rates
Indicators Jestha end 2077
Base Rate 8.00%
Cost of fund 5.95%
Interest spread 3.97% (as per new calculation)
Base Rate (Chaitra end 2076) 8.54% (Average for 3 months) (Magh : 8.54%, Falgun : 8.560%, Chaitra: 8.53%)

 

Effective from 21st June, 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 1.50
FCY Others 0.15

 

 

Fixed Deposit (% per annum)
PARTICULARS
Interest Rate (%)
Individual Deposit (3 months and above) 8.25
Institutional Deposit (3 months and above) 7.00
Institutional Deposit (Renewal Only) 7.10
Recurring Fixed Deposit for 33 months 8.25

* Conditions apply

 

 

Lending Rates
Particular (Base Rate + Premium) % p.a.
Overdraft Base rate + 2.00 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 + 2.50 to 5.00
Trust Receipt Base rate + 1.00 to 5.00
Export Credit Base rate + 1.50 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
Productive Agriculture & Livestock Loan/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 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 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
Loan Against pledge of gold / silver
Base rate + 3.00 to 5.00
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 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 + 3.00 to 5.00
Credit Card Loan 2% per month
Other Loans Base rate +premium 4.00 to 5.00 %

 

 

Fixed Lending Rates (For 1 year) (% per annum)
PARTICULARS
Interest Rate (%)
NIBL ECO Loan 10.50
NIBL SME Loan 9.99
Productive Agro Sector 10.50

 

Notes:

- Penal interest will not be levied in any type of loan till Ashad end 2077

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

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

- Rate on consortium financing shall be decided by consortium meeting

 

- 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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