Interest Rate

Deposits Annual Interest Rate
S.No. Deposit Type Duration Rate** Minimum Balance Required (NPR)
1. Normal Saving
2.00%
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
13. NBL Staff Salary Saving   4.00% 0.00
14. Salary Saving Account   4.00% 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.
Super Special 1 Year Fixed Deposit
10.50%
1000000.00
8.
Above 1 year upto 5 years
7.00%
25000.00
9.
Employee Welfare Account
4.00%
FCY Fixed Deposit
1. USD
Negotiable
Akschhaya Kosh  
1.

NBL Trust Fund

  10.50%

Call Deposits

1.

Normal Call Deposits

  2.00%


Lending Rate on Loan Types
S.No. Loan Type Rate**
1. Gold and Silver LoanBR+6.07
Export Finance
2. Export Finance in Domestic Currency BR+0.46 to BR+1.07
3. Post Shipment & Pre-Shipment (in USD) BR+0.10 to BR+2.07
4. Trust Receipt BR+1.60 to BR+3.71
5. Term Loan
5.1. Industrial/Commercial BR+3.10 to BR+5.07
5.2. Real Estate - Housing Plan BR+5.10 to BR+5.71
5.3. Real Estate - Commercial Complex BR+4.10 to BR+4.71
6. Working Capital
6.1. Hypothecation BR+2.60 to BR+5.57
6.2. Overdraft BR+2.60 to BR+5.57
6.3. Pledge loan BR+2.60 to BR+5.57
6.4. Demand BR+2.60 to BR+5.57
6.5. Mortgage Loan
6.5.1. Mortgage Working Capital Loan BR+3.46 to BR+6.57
6.5.2. Mortgage Term Loan BR+3.46 to BR+6.57
6.6. Sajilo Byabasaya Karja BR+5.10
7. Deprived Sector Loan
7.1. Individual BR+3.46 to BR+4.07
7.2. Institutional (Wholesale) - Revolving BR+1.46 to BR+2.07
7.3. Institutional (Wholesale) - Term loan BR+2.10 to BR+2.71
7.4. Institutional (Retail) - Revolving BR+1.46 to BR+2.07
7.5. Institutional (Retail) -Term Loan BR+3.10 to BR+3.71
8. Agriculture Loan
8.1. Agriculture Loan BR+3.10 to BR+4.60
9. Other Loan
9.1. Loan against first class bank guarantee BR+3.46 to BR+4.07
9.2. Loan against FD receipt Coupon Rate + 2.00
9.3. Hire Purchase loan BR+5.46 to BR+6.07
9.4. Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Special Fixed Deposit rate, whichever is higher
10. Consumer Loan
10.1 Auto Loan
10.1.1. Private vehicle 5 years term BR+4.46 to BR+5.07
10.1.2. Private vehicle 7 years term BR+5.46 to BR+6.07
10.1.3. Private vehicle business use 5 years term BR+5.46 to BR+6.07
10.1.4. Commercial vehicle 3-5 years term BR+5.46 to BR+6.07
10.1.5. Nepalaxmi Auto Loan BR+3.46 to BR+4.07
10.1.6. NBL Professional Auto Loan BR+3.46 to BR+4.07
10.2. Home Loan
10.2.1. 5 years term BR+3.46 to BR+4.07
10.2.2. 10 years term BR+4.10 to BR+4.71
10.2.3. 15 years and above term BR+4.96 to BR+5.57
10.2.4. NBL Professional Home Loan BR+3.46 to BR+4.07
10.2.5. Nepalaxmi Home Loan BR+3.46 to BR+4.07
10.3. Personal Term Loan
10.3.1. 5 years term BR+3.96 to BR+5.07
10.3.2. 10 years term BR+4.46 to BR+5.57
10.3.3. 15 years and above term BR+5.46 to BR+6.07
10.4. Personal Overdraft
10.4.1. POD - Professional BR+5.46 to BR+6.07
10.4.2. POD - Others BR+5.96 to BR+6.57
10.4.3 NBL Professional Loan
10.4.3.1. Overdraft BR+5.10 to BR+6.07
10.4.3.2. Term Loan BR+3.60 to BR+4.57
10.5. Education Loan
10.5.1. 5 years term BR+2.96 to BR+3.57
10.5.2. 10 years term BR+3.46 to BR+4.07
10.6. Margin Lending
10.6.1. Up to 50 Million BR+5.10 to BR+6.07
10.6.2. 50 Million above up to 100 Million BR+4.10 to BR+5.07
10.6.3. 100 Million above BR+3.10 to BR+4.07
10.7. NBL Flexi Loan
10.7.1. Flexi Term Loan BR+4.46 to BR+5.07
10.7.2. Flexi Overdraft BR+4.96 to BR+6.07
** Rates are effective from Shrawan 22, 2075 (Aug 07, 2018)
Base Rate (BR) as of  Ashad end 2075: 7.03
Lending rates shall be changed by the same percentage as change in the Base rate on a quarterly basis.
Rate on Consortium financing shall 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.