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Interest Rate

Effective From Jestha 1, 2077 (May 14, 2020)
 
Deposits Annual Interest Rate
S.No.
Deposit Type
Rate Per Annum %
Minimum Balance (NPR)
Saving Deposit
1.
Normal Saving
3.00%
500.00
2.
NBL Diamond Saving
4.00%
500.00
3.
Women Special Saving
4.00%
500.00
4.
Yuva Bachat Khata
4.00%
0.00
5.
Santati Saving Account
4.00%
0.00
6.
NBL Staff Pension Saving
4.00%
0.00
7.
Remittance Saving Account
4.00%
0.00
8.
Investor's Saving Account
4.00%
0.00
9.
Senior Citizens Special Saving
4.00%
500.00
10.
Professional's Saving
4.00%
500.00 
11.
Social Security Saving Account
4.00%
0.00
12.
Pension Payment Saving Account
5.00%
0.00
13.
NBL Special Saving
5.00%
50000.00
14.
Earthquake Relief Fund Account
5.00%
0.00
15.
TU Pension Saving
5.00%
0.00
16.
NBL Staff Salary Saving
5.00%
0.00
17.
Salary Saving Account
5.00%
0.00
18.
Nari Samman Bachat Khata
5.00%
10000.00
19.
Sambandha Bachat Khata
5.00%
0.00
20.
Nagarik Batchat Khata
5.00%
10000.00
21.
Samriddha Nepal Abhiyan Bachat Khata
5.00%
0.00
22.
Green Saving Deposit
5.00%
25000.00
23.
Chhori Beti Kalyan Bachat Khata
5.00%
5000.00
24.
Chhori Surakshya Bachat (Karnali)
5.00%
0.00
FCY Saving Deposit
1.
USD
2.00%
USD 100.00
2.
EURO
0.00%
EURO 100.00
3.
GBP
0.40%
GBP 100.00
Fixed Deposit
1.
3 Month (Individual)
8.25%
25000.00
2.
3 Month (Institutional)
7.00%
25000.00
 
3 Month (Institutional) For Renewal Only
7.10%
25000.00
3.
6 Month (Individual)
8.25%
25000.00
4.
6 Month (Institutional)
7.00%
25000.00
 
6 Month (Institutional) For Renewal Only
7.10%
25000.00
5.
1 Year Fixed Deposit (Individual)
8.25%
25000.00
6.
1 Year Fixed Deposit (Institutional)
7.00%
25000.00
 
1 Year Fixed Deposit (Institutional) For Renewal Only
7.10%
25000.00
7.
Above 1 year upto 2 years (Individual)
8.25%
25000.00
8.
Above 1 year upto 2 years (Institutional)
7.00%
25000.00
 
Above 1 year upto 2 years (Institutional) For Renewal Only
7.10%
25000.00
9.
Above 2 years upto 5 years (Individual)
8.00%
25000.00
10.
Above 2 years upto 5 years (Institutional)
6.50%
25000.00
11. 
Above 2 years upto 5 years (Institutional) For Renewal Only
6.60%
25000.00
FCY Fixed Deposit
1.
USD
Negotiable
USD 500.00
Employee Welfare Account  
1.
Employee Welfare Account
5.00%
 
Akchaya Kosh
 
1.
Akchaya Kosh
7.00%
 
NBL Trust Fund
 
1.
NBL Trust Fund
8.00%
 
Call Deposits
1.
Normal Call Deposits
2.00%
100000.00
FCY Call Deposits
1.
USD
0.75%
USD 100.00
 
Lending Rate on Loan Types
S.No.
Loan Type
Rate Per Annum %
1.
Gold and Silver Loan
BR+4.16
 
Export Finance
 
2.
Export Finance in Domestic Currency
BR+0.10 to BR+0.21
3.
Post Shipment & Pre-Shipment (in USD)
One Year LIBOR Rate + 1.25%
4.
Trust Receipt
 
4.1
Trust Receipt (NPR)
BR+1.19 to BR+1.80
4.2
Trust Receipt (USD)
Six Month LIBOR Rate + 1.25%
5.
Term Loan
 
5.1.
Industrial/Commercial
BR+2.55 to BR+3.16
5.2.
Real Estate - Housing Plan
BR+3.19 to BR+3.80
5.3.
Real Estate - Commercial Complex
BR+2.19 to BR+2.80
6.
Working Capital
 
6.1.
Hypothecation
BR+3.05 to BR+3.66
6.2.
Overdraft
BR+3.05 to BR+3.66
6.3.
Pledge loan
BR+3.05 to BR+3.66
6.4.
Demand
BR+3.05 to BR+3.66
6.5.
Mortgage Loan
 
6.5.1.
Mortgage Working Capital Loan
BR+4.05 to BR+4.66
6.5.2.
Mortgage Term Loan
BR+4.05 to BR+4.66
6.6.
Sajilo Byabasaya Karja
BR+3.19
6.7.
Sambriddha Byabasaya Karja
BR+2.01 to BR+3.66
7.
Deprived Sector Loan
 
7.1.
Individual
BR+1.55 to BR+2.16
7.2.
Institutional (Wholesale) - Revolving
BR+0.19 to BR+1.30
7.3.
Institutional (Wholesale) - Term loan
BR+0.19 to BR+1.30
7.4.
Institutional (Retail) - Revolving
BR+1.19 to BR+1.80
7.5.
Institutional (Retail) -Term Loan
BR+1.19 to BR+1.80
8.
Agriculture Loan
BR+2.00
9.
Other Loan
 
9.1.
Loan against first class bank guarantee
BR+1.55 to BR+2.16
9.2.
Loan against FD receipt
Coupon Rate + 2.00
9.3.
Hire Purchase loan
BR+3.55 to BR+4.16
9.4.
Loan against Govt. Securities
Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
9.5.
Sahuliyatpurna Karja
BR+2.00
10.
Interest on Consumer Loans
 
10.1
Auto Loan
 
10.1.1.
Private vehicle 5 years term
BR+2.55 to BR+3.16
10.1.2.
Private vehicle 7 years term
BR+3.55 to BR+4.16
10.1.3.
Private vehicle business use 5 years term
BR+3.55 to BR+4.16
10.1.4.
Commercial vehicle 3-5 years term
BR+3.55 to BR+4.16
10.1.5.
Nepalaxmi Auto Loan
BR+1.55 to BR+2.16
10.1.6.
NBL Professional Auto Loan
BR+1.55 to BR+2.16
10.1.7.
Electrical Vehicle
BR+2.01 to BR+4.16
10.2.
Home Loan
 
10.2.1.
5 years term
BR+1.55 to BR+2.16
10.2.2.
10 years term
BR+2.19 to BR+2.80
10.2.3.
15 years and above term
BR+3.05 to BR+3.66
10.2.4.
NBL Professional Home Loan
BR+1.55 to BR+2.16
10.2.5.
Nepalaxmi Home Loan
BR+1.55 to BR+2.16
10.3.
Shulav Aawas Karja
 
10.3.1.
5 years term
BR+1.00
10.3.2.
10 years term
BR+1.25
10.3.3.
15 years term
BR+1.50
10.3.4.
20 years term
BR+2.00
10.4.
Personal Term Loan
 
10.4.1.
5 years term
BR+2.55 to BR+3.66
10.4.2.
10 years term
BR+3.05 to BR+4.16
10.4.3.
15 years and above term
BR+3.55 to BR+4.33
10.5.
Personal Overdraft
 
10.5.1.
POD - Professional
BR+3.55 to BR+4.16
10.5.2.
POD - Others
BR+4.05 to BR+4.66
10.6
NBL Professional Loan
 
10.6.1.
Overdraft
BR+3.19 to BR+4.16
10.6.2.
Term Loan
BR+1.69 to BR+2.66
10.7.
Education Loan
 
10.7.1.
5 years term
BR+1.05 to BR+1.66
10.7.2.
10 years term
BR+1.55 to BR+2.16
10.8.
Margin Lending
 
10.8.1.
Up to 10 Million
BR+4.05 to BR+5.02
10.8.2.
10 Million above up to 50 Million
BR+3.55 to BR+4.52
10.8.3.
50 Million above up to 100 Million
BR+3.05 to BR+4.02
10.8.4.
100 Million above
BR+2.05 to BR+3.02
10.9.
NBL Flexi Loan
 
10.9.1.
Flexi Term Loan
BR+3.05 to BR+3.66
10.9.2.
Flexi Overdraft
BR+3.05 to BR+4.16
10.10
Sewagrahi Karja
BR+upto5.00
  Base Rate (BR) as of  Chaitra End 2076: 7.49
1. Lending rates shall be changed with the changes in Base rate on quarterly basis.
2. Rate on Consortium financing shall be as decided by consortium meetings.
3. Penal interest @ +2% p.a. shall be applied on overdue amount/expired loan.
4. Risk premium upto +2.0% p.a. may be charged for watch-list clients.
5. कोभिड–१९ बाट प्रभावित कर्जाका ग्राहकहरुलाई नेपाल राष्ट्र बैंकद्वारा मिति २०७७/०१/१६ मा जारी परिपत्र नं. बैं.वि.नि.वि/नीति/सूचना/२१/०७६/७७ बमोजिम ब्याज छुट दिइनेछ ।

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