| S.No. |
Loan Heading |
Rate Per Annum |
1. Export Finance
|
| 1.1 |
Pre /Post Shipment (NPR) |
BR+0.50 to 2.00 |
| 1.2 |
Post Shipment & Pre-Shipment (USD) |
SOFR + 0.50 to 1.75% |
| 1.3 |
Loan against Bills collection |
BR+0.50 to 2.00% |
2. Import Finance
|
| 2.1 |
Trust Receipt (NPR)-Industrial |
BR+0.25 to 2.00 |
| 2.2 |
Trust Receipt (NPR)-Commercial |
BR +0.50 to 2.25 |
| 2.3 |
Trust Receipt (USD) |
SOFR + 0.50 to 2.00% |
3. Business Term Loan
|
| 3.1 |
Industrial Term Loan |
BR+1.25 to 3.25 |
| 3.2 |
Commercial Term Loan |
BR+1.50 to 3.25 |
| 3.3 |
Real Estate - Housing Plan |
BR+1.75 to 2.75 |
| 3.4 |
Real Estate - Commercial Complex |
BR+1.75 to 2.75 |
| 3.5 |
Hire Purchase loan |
BR+1.00 to 3.00 |
4. Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/Revolving WC/Contract Loan)
|
| 4.1 |
Industrial Working Capital |
BR+0.25 to 2.25 |
| 4.2 |
Commercial Working Capital |
BR+0.50 to 2.25 |
| 4.3 |
NBL Permanent WC Loan |
BR+0.25 to 2.25 |
5. Special SME Loans
|
| 5.1 |
Mortgage Loan |
BR+2.50 to 4.50 |
| 5.2 |
Sajilo Byabasaya Karja |
BR+1.00 to 3.00 |
| 5.3 |
Sambriddha Byabasaya Karja |
|
| 5.3.1 |
Sambriddha Byabasaya Karja Term |
BR+1.25 to 3.25 |
| 5.3.2 |
Sambriddha Byabasaya Karja WC |
BR+0.75 to 2.75 |
| 5.4 |
Laghu Udhyam Karja |
BR+1.00 to 3.00 |
| 5.5 |
Anniversary Business Loan |
BR+1.00 to 3.00 |
| 5.6 |
85th Anniversary Business Loan |
BR+0.75 to 2.75 |
6. Deprived Sector Loan
|
| 6.1 |
Individual |
BR+1.00 to 2.00 |
| 6.2 |
Institutional (Wholesale) - Revolving |
BR+0.50 to 2.00 |
| 6.3 |
Institutional (Wholesale) - Term loan |
BR+1.00 to 2.00 |
| 6.4 |
Institutional (Retail) - Revolving |
BR+ 0.50 to 2.00 |
| 6.5 |
Institutional (Retail) -Term Loan |
BR+1.00 to 2.00 |
7. Agriculture Loan
|
| 7.1 |
Agriculture Loan |
BR+ Upto 2.00 |
8. Other Loans
|
| 8.1 |
Gold and Silver Loan |
BR+ 2.50 to 4.00 |
| 8.2 |
Loan against first class bank guarantee |
BR+2.00 to 3.00 |
| 8.3 |
Loan against FD receipt |
Coupon Rate + 2.00 |
| 8.4 |
Loan against Govt. Securities |
Coupon Rate + 1.00 or 1 year Fixed Deposit rate, whichever is higher |
| 8.5 |
Sahuliyatpurna Karja |
BR+ Upto 2.00 |
| 8.6 |
Entrepreneurship Term Loan -Lumbini Province |
As per MOU |
| 8.7 |
NBL Com. agri. & Livestock Term Loan - Karnali Province |
BR+ Upto 2.00 |
| 8.8 |
NBL Com. agri. & Livestock WC - Karnali Province |
BR+ Upto 2.00 |
| 8.9 |
NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province |
BR+ 1.00 to 3.00 |
|
|
|
9. Retail Loans
|
| 9.1 |
Auto Loan |
|
| 9.1.1 |
Private vehicle 5 years term |
BR+0.50 to 2.50 |
| 9.1.2 |
Private vehicle 7 years term |
BR+0.75 to 2.50 |
| 9.1.3 |
Private vehicle business use 5 years term |
BR+0.75 to 2.50 |
| 9.1.4 |
Commercial vehicle 3-5 years term |
BR+1.50 to 2.50 |
| 9.1.5 |
Nepalaxmi Auto Loan(Product is Suspended) |
BR+3.00 to 3.50 |
| 9.1.6 |
NBL Professional Auto Loan |
BR+0.50 to 2.50 |
| 9.1.7 |
Electrical Vehicle |
BR+1.00 to 2.50 |
| 9.2 |
Home Loan |
|
| 9.2.1 |
5 years term |
BR+2.42 |
| 9.2.2 |
10 years term |
BR+ 2.42 |
| 9.2.3 |
Above 10 Years Term |
BR+ 2.42 |
| 9.2.4 |
Professional Home Loan |
BR+ 2.42 |
| 9.2.5 |
Nepalaxmi Home Loan |
BR+ 2.42 |
| 9.3 |
Shulav Aawas Karja |
|
| 9.3.1 |
10 years term |
BR+ 1.99 |
| 9.3.2 |
Above 10 years term |
BR+1.99 |
| 9.4 |
Sharba Shulav Aawas Karja |
|
| 9.4.1 |
Upto 5 Years |
BR+0.50 |
| 9.4.2 |
Above 5 Upto 10 Years |
BR+1.00 |
| 9.4.3 |
Above 10 TO 15 Years |
BR+1.50 |
| 9.4.4 |
Above 15 to 25 Years |
BR+2.00 |
| 9.5 |
Personal Term Loan |
|
| 9.5.1 |
Upto 10 years term |
BR+2.50 to 3.50 |
| 9.5.2 |
Above 10 Years Term |
BR+3.50 to 4.00 |
| 9.6 |
Personal Overdraft |
|
| 9.6.1 |
POD - Professional |
BR+2.50 to 3.50 |
| 9.6.2 |
POD - Others |
BR+3.00 to 4.00 |
| 9.7 |
NBL Professional Loan |
|
| 9.7.1 |
Overdraft |
BR+2.50 to 3.50 |
| 9.7.2 |
Term Loan |
BR+2.50 to 3.50 |
| 9.8 |
Education Loan |
|
| 9.8.1 |
5 years term |
BR+2.00 to 3.00 |
| 9.8.2 |
10 years term |
BR+2.50 to 3.50 |
| 9.9 |
Margin Lending |
BR+1.50 to 3.50 |
| 9.10 |
NBL Flexi Loan |
|
| 9.10.1 |
Flexi Term Loan |
BR+2.50 to 3.50 |
| 9.10.2 |
Flexi Overdraft |
BR+3.00 to 3.50 |
| 9.11 |
Sewagrahi Karja |
BR+2.00 to 4.00 |
| 9.12 |
Ghaderi Karja |
BR+1.75 to 3.75 |
| 9.13 |
NBL Pensioner Loan |
BR+3.00 to 4.00 |
