| Lending Rates |
| 1 |
Gold and Silver |
10% |
| 2 |
Loan against mortgage of Government Securities |
|
| 3 |
Loan against Fixed Deposit Receipt (Loan + Overdraft)
|
5.5% or 1.5%
higher than F/D rate whichever is higher |
|
Loan against Fixed Deposit Receipt (A Class Commercial Bank) *
Loan against Fixed Deposit Receipt (Other Financial Institutions) *
|
7.5%
8.5%
(or F/D rate whichever is higher) |
| 4 |
Loan against Bank Guarantee (First Class Bank) |
7% |
| 5 |
Working Capital/Short Term Loan
(Demand Loan, Overdraft, Pledge Loan)
|
10% |
| 6 |
Export Loan |
|
| 7 |
T.R. Loan |
|
| |
a) Up to 90 Days |
8% |
| b) From 91 Days to 120 Days |
9% |
| c) From 121 Days to 150 Days |
10% |
| d) From 151 Days to 180 Days |
11% |
| (T.R loan facility will be up to 180 only) |
|
| 8 |
Long Term Loan |
10% |
| 9 |
Consumer Lending |
7.5% to 10% |
| |
a) Margin Lending* |
9% |
| b) Auto Loan* |
7.5% to 10% |
| c) Home Loan |
7.5% to 10% |
| 10 |
Structure Demand Loan / Overdraft (Against Govt. Securities)* |
7.5% |
| 11 |
Priority Sector Loan |
10% |
| 12 |
Deprived Sector Loan |
7.5% |
| |
(USD denominated pre-shipment and post-shipment loan extended as per NRB circular) |
| 13 |
No. Bai. Bya. Pari. 79/58 for exporters who gain export earning in convertible foreign currencies |
4% |
| 14 |
Personal Overdraft Loan *
Personal Term Loan
|
9-10%
7.5% pa (upto 5 years)
8% pa (upto 10 years)
9% pa (upto 15 years)
10% pa (upto 20 years)
|
