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Interest Rate

Effective From Magh 01, 2078 (January 15, 2022)

1. Interest Rates on Deposits
S.No. Deposit Type Minimum Balance Rate Per Annum

1.1 Saving Deposit

1.1 Normal Saving 500.00 5.05%
1.2 NBL Diamond Saving 500.00 5.55%
1.3 Women Special Saving 500.00 5.55%
1.4 Yuva Bachat Khata 0.00 5.55
1.5 Santati Saving Account 0.00 5.55%
1.6 NBL Staff Pension Saving 0.00 6.05%
1.7 Remittance Saving Account 0.00 7.05%
1.8 Investor's Saving Account 0.00 5.55%
1.9 Senior Citizens Special Saving 500.00 5.55%
1.10 Professional's Saving 500.00 5.55%
1.11 Social Security Saving Account 0.00 5.55%
1.12 Pension Payment Saving Account 0.00 6.05%
1.13 NBL Special Saving 50000.00 6.05%
1.14 Earthquake Relief Saving 0.00 6.05%
1.15 TU Pension Saving 0.00 6.05%
1.16 NBL Staff Salary Saving 0.00 6.05%
1.17 Salary Saving Account 0.00 6.05%
1.18 Nari Samman Bachat Khata 10000.00 6.05%
1.19 Sambandha Bachat Khata 0.00 6.05%
1.20 Nagarik Batchat Khata 1000.00 6.05%
1.21 Samriddha Nepal Abhiyan Bachat Khata 0.00 6.05%
1.22 Green Saving Deposit 1000.00 6.05%
1.23 Chhori (Beti) Kalyan Bachat Khata 5000.00 6.05%
1.24 Chhori Surakshya Bachat Khata 0.00 6.05%
1.25 Balbalika Bachat Khata 0.00 6.05%
1.26 NBL Shubha Gyan Bachat Khata 0.00 5.05%
1.27 NBL Sahayatri Bachat Khata 500.00 5.05%

1.2 Fixed Deposit

2.1 3 months 25000
2.1.1 Individual 10.05%
2.1.2 Institutional 9.05%
2.1.3 Institutional (Renewal) 9.15%
2.2 Above 3 Months upto 6 Months 25000.00
2.2.1 Individual 10.05%
2.2.2 Institutional 9.05%
2.2.3 Institutional (Renewal) 9.15%
2.3 Above 6 Months upto 1 Year 25000.00
2.3.1 Individual 10.05%
2.3.2 Institutional 9.05%
2.3.3 Institutional (Renewal) 9.15%
2.4 Above 1 Year upto 10 Years 25000.00
2.4.1 Individual 10.05%
2.4.2 Institutional 9.05%
2.4.3 Institutional (Renewal) 9.15%
2.5 Remittance Fixed Deposit (3 months and above) 25000.00 11.05%
2.6 Institutional Fixed Deposit (Bidding) 25,000 9.15%

1.3 Recurring Deposit

3.1 Recurring Deposit 1000 10.05%

1.4 Employee Welfare Account

4.1 Employee Welfare Account 0.00 6.05%

1.5 Akchaya Kosh

5.1 Akshaya Kosh 0.00 9.05%

1.6 NBL Trust Fund

6.1 NBL Trust Fund 0.00 9.05%

1.7 Call Deposits

7.1 Normal Call Deposits 100000.00 2.525%

1.8 FCY Saving Deposit

8.1 USD 100.00 2.00%
8.2 EURO 100.00 0.00%
8.3 GBP 100.00 0.40%
8.4 JPY 100.00 0.15%

1.9 FCY Call Deposits

9.1 USD 100.00 0.75%

1.10 FCY Fixed Deposit

10.1 USD 500.00 Negotiable
1. Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1.1 Export Finance

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

1.2 Import Finance

2.1 Trust Receipt (NPR) BR+0.39 to BR+2.00
2.2 Trust Receipt (USD) upto 5%

1.3 Business Term Loan

3.1 Industrial/Commercial BR+1.19 to BR+3.16
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

1.4 Working Capital Loans

4.1 Hypothecation BR+0.69 to BR+3.66
4.2 Overdraft BR+0.69 to BR+3.66
4.3 Pledge loan BR+0.69 to BR+3.66
4.4 Demand BR+0.69 to BR+3.66
4.5 Revolving Working Capital Loan BR+0.69 to BR+3.66
4.6 contract Loan BR+0.69 to BR+3.66

1.5 Special SME Loans

5.1 Mortgage Loan BR+1.55 to BR+4.66
5.2 Sajilo Byabasaya Karja BR+2.00
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

1.6 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

1.7 Agriculture Loan

7.1 Agriculture Loan BR+2.00

1.8 Other Loans

8.1 Gold and Silver Loan BR+4.16
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

1.9 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+4.16
9.5.2 POD - Others BR+3.55 to BR+4.16
9.6 NBL Professional Loan
9.6.1 Overdraft BR+3.19 to BR+4.16
9.6.2 Term Loan BR+1.69 to BR+3.66
9.7 Education Loan
9.7.1 5 years term BR+1.05 to BR+1.66
9.7.2 10 years term BR+1.55 to BR+2.16
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+4.16
9.10 Sewagrahi Karja BR+upto5.00
9.11 Ghaderi Karja BR+3.50
9.12 NBL Pensioner Loan BR+2.00
2. Interest Rate on Retail Term Loans (Fixed Rate)
S.No. Loan Heading Rate Per Annum

2.1 Auto Loan

5 Years 10.85 %
7 Years 12.85 %
10 Years -
Above 10 Years -

2.2 Nepalaxmi/Professional Auto Loan

5 Years 10.85 %
7 Years 10.85%
10 Years -
Above 10 Years -

2.3 Home Loan

5 Years 9.85 %
7 Years -
10 Years 11.49 %
Above 10 Years 12.49 %

2.4 Nepalaxmi/Professional Home Loan

5 Years 9.85 %
7 Years -
10 Years 10.85 %
Above 10 Years 11.85 %

2.5 Electrical Vehicle Loan

5 Years 11.08 %
7 Years -
10 Years -
Above 10 Years -

2.6 Personal Term Loan

5 Years 11.10
7 Years -
10 Years 12.60
Above 10 Years 13.93

2.7 NBL Professional Term Loan

5 Years 10.17
7 Years -
10 Years 11.17
Above 10 Years 12.17

2.8 Education Loan

5 Years 9.35
7 Years -
10 Years 10.85
Above 10 Years -

2.9 NBL Flexi Loan

5 Years 11.35
7 Years -
10 Years 12.35
Above 10 Years 13.35

2.10 Sewagrahi Karja

5 Years upto 12.99
7 Years -
10 Years -
Above 10 Years -

2.11 Ghaderi Karja

5 Years 10.99
7 Years -
10 Years 11.99
Above 10 Years 12.99

2.12 Shulav Aawas Karja

5 years 9.49
10 Years 10.74
Above 10 Years 11.99
3. Average Base Rate (BR) of the Quarter Ending Poush 2078 : 6.92
S.No. Loan Heading Rate Per Annum
4. Spread Rate of Poush 2078: 2.91
S.No. Loan Heading Rate Per Annum