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Interest Rate on Loans & Advances (Floating Rate)

Effective From Shrawan 01, 2079 (July 17, 2022)

Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1. Export Finance

1.1 Export Finance (NPR) BR+0.39 to BR+0.69
1.2 Post Shipment & Pre-Shipment (USD) upto 5%

2. Import Finance

2.1 Trust Receipt (NPR) BR+0.39 to BR+2.30
2.2 Trust Receipt (USD) upto 5%

3. Business Term Loan

3.1 Industrial/Commercial BR+1.19 to BR+3.66
3.2 Real Estate - Housing Plan BR+3.19 to BR+4.19
3.3 Real Estate - Commercial Complex BR+2.19 to BR+3.19
3.4 Hire Purchase loan BR+2.55 to BR+4.16

4. Working Capital Loans

4.1 Hypothecation BR+0.69 to BR+4.05
4.2 Overdraft BR+0.69 to BR+4.05
4.3 Pledge loan BR+0.69 to BR+4.05
4.4 Demand BR+0.69 to BR+4.05
4.5 Revolving Working Capital Loan BR+0.69 to BR+4.05
4.6 contract Loan BR+0.69 to BR+4.05

5. Special SME Loans

5.1 Mortgage Loan BR+1.55 to BR+4.66
5.2 Sajilo Byabasaya Karja BR+2.00 to 3.66
5.3 Sambriddha Byabasaya Karja BR+2.00 to BR+3.66
5.4 Laghu Udhyam Karja BR+2.00
5.5 Anniversary Business Loan BR+1.26 to BR+2.00
5.6 85th Anniversary Business Loan BR+2.00 to BR+3.66

6. Deprived Sector Loan

6.1 Individual BR+1.55 to BR+2.16
6.2 Institutional (Wholesale) - Revolving BR+0.19 to BR+2.30
6.3 Institutional (Wholesale) - Term loan BR+0.19 to BR+2.30
6.4 Institutional (Retail) - Revolving BR+1.19 to BR+2.80
6.5 Institutional (Retail) -Term Loan BR+1.19 to BR+2.80

7. Agriculture Loan

7.1 Agriculture Loan BR+2.00

8. Other Loans

8.1 Gold and Silver Loan BR+5
8.2 Loan against first class bank guarantee BR+1.55 to BR+2.16
8.3 Loan against FD receipt Coupon Rate + 2.00
8.4 Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
8.5 Sahuliyatpurna Karja BR+2.00
8.6 Entrepreneurship Term Loan -Lumbini Province 7.75% (Fixed Rate for 3 Years)
8.7 NBL Com. agri. & Livestock Term Loan - Karnali Province BR+2.00
8.8 NBL Com. agri. & Livestock WC - Karnali Province BR+2.00
8.9 NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province BR+3.00

9. Retail Loans

9.1 Auto Loan
9.1.1 Private vehicle 5 years term BR+2.55 to BR+3.16
9.1.2 Private vehicle 7 years term BR+3.55 to BR+4.16
9.1.3 Private vehicle business use 5 years term BR+2.55 to BR+4.16
9.1.4 Commercial vehicle 3-5 years term BR+3.55 to BR+4.16
9.1.5 Nepalaxmi Auto Loan BR+1.55 to BR+3.16
9.1.6 NBL Professional Auto Loan BR+1.55 to BR+3.16
9.1.7 Electrical Vehicle BR+2.01 to BR+3.16
9.2 Home Loan
9.2.1 5 years term BR+1.55 to BR+2.16
9.2.2 10 years term BR+2.19 to BR+2.80
9.2.3 15 years and above term BR+3.05 to BR+3.66
9.2.4 Professional Home Loan BR+1.55 to BR+3.16
9.2.5 Nepalaxmi Home Loan BR+1.55 to BR+3.16
9.3 Shulav Aawas Karja
9.3.1 5 years term BR+1.00 to BR+1.50
9.3.2 10 years term BR+1.25 to BR+1.75
9.3.3 15 years term BR+1.50 to BR+2.00
9.3.4 20 years term BR+2.00 to BR+2.50
9.4 Personal Term Loan
9.4.1 5 years term BR+2.55 to BR+3.66
9.4.2 10 years term BR+3.05 to BR+4.16
9.4.3 15 years and above term BR+3.55 to BR+4.33
9.5 Personal Overdraft
9.5.1 POD - Professional BR+3.19 to BR+4.66
9.5.2 POD - Others BR+3.55 to BR+4.66
9.6 NBL Professional Loan
9.6.1 Overdraft BR+3.19 to BR+4.66
9.6.2 Term Loan BR+1.69 to BR+3.66
9.7 Education Loan
9.7.1 10 years term BR+3.0 to BR+4.0
9.8 Margin Lending
9.8.1 Up to 5 Million BR+4.05 to BR+5.02
9.8.2 5 Million above up to 50 Million BR+3.55 to BR+4.52
9.8.3 50 Million above up to 100 Million BR+3.05 to BR+4.02
9.8.4 100 Million above BR+2.05 to BR+3.02
9.9 NBL Flexi Loan
9.9.1 Flexi Term Loan BR+3.05 to BR+3.66
9.9.2 Flexi Overdraft BR+3.05 to BR+4.66
9.10 Sewagrahi Karja BR+upto5.00
9.11 Ghaderi Karja BR+3.50
9.12 NBL Pensioner Loan BR+2.00 to 3.00