Interest Rate

Deposits Annual Interest Rate
S.No. Deposit Type Duration Rate** Minimum Balance Required (NPR)
1. Normal Saving
1.50%
500.00
Special Saving Deposit
1. NBL Diamond Saving   2.25% 500.00
2. Women Special Saving   2.25% 500.00
3. Yuva Bachat Khata   2.25% 100.00
4. Santati Saving Account   2.50% 0.00
5. NBL Staff Pension Saving  
2.50%
0.00
6. Remittance Saving Account  
2.50%
0.00
7. Investor's Saving Account  
2.50%
0.00
8. Senior Citizens Special Saving  
2.50%
500.00
9. Professional's Saving
2.50%
500.00 
10. Social Security Saving Account
2.50%
0.00
11. Pension Payment Saving Account
2.50%
0.00
12. NBL Special Saving
3.00%
50000.00
12. NBL Staff Salary Saving   3.25% 0.00
13. Salary Saving Account   3.25% 0.00
FCY Saving Deposit
1. USD
0.75%
USD 100.00
2. EURO
0.40%
EURO 100.00
3. GBP
0.40%
GBP 100.00
Fixed Deposit
1.
3 Month
5.00%
25000.00
2.
6 Month (Individual)
6.50%
25000.00
3.
6 Month (Institutional)
6.00%
25000.00
4.
200 days Fixed Deposit
9.00%
100000.00
5.
1 Year Fixed Deposit
8.00%
25000.00
6.
Special 1 Year Fixed Deposit
10.00%
500000.00
7.
Above 1 year upto 5 years
7.00%
25000.00
8.
Employee Welfare Account
4.00%
FCY Fixed Deposit
1. USD
Negotiable
Akschhaya Kosh  
1.

NBL Trust Fund

  6.75%

Call Deposits

1.

Normal Call Deposits

  1.50%


Lending Rate on Loan Types
S.No. Loan Type Rate**
Quarterly Base Rate (BR) - Poush 2074 6.93%
1. Gold and Silver LoanBR+5.71
Export Finance
1. Export Finance in Domestic Currency BR+1.07
2. Post Shipment & Pre-Shipment (in USD) BR+1.46 to BR+2.07
3. Trust Receipt BR+3.10 to BR+3.71
Term Loan
1. Industrial/Commercial BR+4.46 to BR+5.07
2. Real Estate - Housing Plan BR+5.71
3. Real Estate - Commercial Complex BR+4.71
Working Capital
1. Hypothecation BR+4.96 to BR+5.57
2. Overdraft BR+4.96 to BR+5.57
3. Pledge loan BR+4.96 to BR+5.57
4. Demand BR+4.96 to BR+5.57
5. Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Special Fixed Deposit rate, whichever is higher
Mortgage Loan
1. Mortgage Working Capital Loan BR+5.96 to BR+6.57
2. Mortgage Term Loan BR+5.96 to BR+6.57
Deprived Sector Loan
1. Individual BR+4.07
2. Institutional (Wholesale) - Revolving BR+2.07
3. Institutional (Wholesale) - Term loan BR+2.71
4. Institutional (Retail) - Revolving BR+2.07
5. Institutional (Retail) -Term Loan BR+3.71
6. Agriculture Loan BR+3.10 to BR+4.60
7. Loan against first class bank guarantee BR+4.07
8. Loan against FD receipt Coupon Rate + 2.00
9. Hire Purchase loan BR+6.07
10. Sajilo Byabasaya Karja BR+5.10
Consumer Loan
Auto Loan
1. Private vehicle 5 years term BR+5.07
2. Private vehicle 7 years term BR+6.07
3. Private vehicle business use 5 years term BR+6.07
4. Commercial vehicle 3-5 years term BR+6.07
5. Private vehicle used 4 years term BR+6.07
6. Nepalaxmi Auto Loan BR+4.07
7. NBL Professional Auto Loan BR+4.07
Home Loan
1. 5 years term BR+4.07
2. 10 years term BR+4.71
3. 15 years and above term BR+5.57
4. NBL Professional Home Loan BR+4.07
5. Nepalaxmi Home Loan BR+4.07
Personal Term Loan
1. 5 years term BR+4.57
2. 10 years term BR+5.07
3. 15 years and above term BR+6.07
Personal Overdraft
1. POD - Professional BR+6.07
2. POD - Others BR+6.57
NBL Professional Loan
1. Overdraft BR+5.71
2. Term Loan BR+4.21
Education Loan
1. 5 years term BR+3.57
2. 10 years term BR+4.07
Margin Lending
1. Up to 50 Million BR+5.71
2. 50 Million above up to 100 Million BR+4.71
3. 100 Million above BR+3.71
NBL Flexi Loan
1. Flexi Term Loan BR+5.07
2. Flexi Overdraft BR+5.57
** Rates are effective from Magh 22, 2074 Feb 5, 2017)
Base Rate (BR) as of  Poush end 2074 :              6.93
Lending rates shall be changed by the same percentage as change in the Base rate on a quarterly basis.
Rate on Consortium financing shalll be as decided by consortium meetings.
Penal interest @+ 2% p.a. shall be applied on overdue amount/expired loan.
Risk premium upto+ 2.0% p.a. may be charged for watch-list clients.