- Home
- Interest Rate
Interest Rate
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Effective From Magh 01, 2077 (Jan 14, 2021)
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Deposits Annual Interest Rate
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S.No.
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Deposit Type
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Rate Per Annum %
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Minimum Balance (NPR)
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| Saving Deposit | ||||
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1.
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Normal Saving
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2.50%
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500.00
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2.
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NBL Diamond Saving
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3.00%
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500.00
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3.
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Women Special Saving
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3.00%
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500.00
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4.
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Yuva Bachat Khata
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3.00%
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0.00
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5.
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Santati Saving Account
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3.00%
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0.00
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6.
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NBL Staff Pension Saving
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4.00%
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0.00
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7.
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Remittance Saving Account
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3.00%
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0.00
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8.
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Investor's Saving Account
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3.00%
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0.00
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9.
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Senior Citizens Special Saving
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3.00%
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500.00
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10.
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Professional's Saving
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3.00%
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500.00
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11.
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Social Security Saving Account
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3.00%
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0.00
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12.
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Pension Payment Saving Account
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4.00%
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0.00
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13.
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NBL Special Saving
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4.00%
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50000.00
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14.
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Earthquake Relief Saving
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4.00%
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0.00
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15.
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TU Pension Saving
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4.00%
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0.00
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16.
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NBL Staff Salary Saving
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4.00%
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0.00
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17.
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Salary Saving Account
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4.00%
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0.00
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18.
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Nari Samman Bachat Khata
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4.00%
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10000.00
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19.
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Sambandha Bachat Khata
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4.00%
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0.00
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20.
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Nagarik Batchat Khata
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4.00%
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1000.00
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21.
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Samriddha Nepal Abhiyan Bachat Khata
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4.00%
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0.00
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22.
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Green Saving Deposit
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4.00%
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1000.00
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23.
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Chhori (Beti) Kalyan Bachat Khata
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4.00%
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5000.00
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24.
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Chhori Surakshya Bachat (Karnali)
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4.00%
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0.00
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25.
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Balbalika Bachat Khata
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4.00%
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0.00
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| FCY Saving Deposit | ||||
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1.
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USD
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2.00%
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USD 100.00
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2.
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EURO
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0.00%
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EURO 100.00
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3.
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GBP
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0.40%
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GBP 100.00
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| Fixed Deposit | ||||
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1.
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3 Month (Individual)
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5.50%
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25000.00
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3 Month (Institutional)
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5.50%
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25000.00
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3 Months (Institutional)-Renewal
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5.60%
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25000.00
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2.
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Above 3 Months upto 6 Months (Individual)
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6.00%
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25000.00
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Above 3 Months upto 6 Months (Institutional)
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6.00%
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25000.00
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Above 3 Months upto 6 Months(Institutional)-Renewal
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6.10%
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25000.00
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3.
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Above 6 Months upto 1 Year (Individual)
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7.00%
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25000.00
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Above 6 Months upto 1 Year (Institutional)
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6.50%
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25000.00
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Above 6 Months upto 1 Year (Institutional)-Renewal
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6.60%
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25000.00
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4.
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Above 1 Year upto 10 Years (Individual)
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7.00%
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25000.00
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Above 1 Year upto 10 Years (Institutional)
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7.00%
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25000.00
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| FCY Fixed Deposit | ||||
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1.
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USD
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Negotiable
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USD 500.00
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| Employee Welfare Account | ||||
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1.
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Employee Welfare Account
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4.00%
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Akchaya Kosh
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||||
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1.
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Akchhaya Kosh
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6.50%
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NBL Trust Fund
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1.
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NBL Trust Fund
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7.00%
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| Call Deposits | ||||
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1.
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Normal Call Deposits
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1.25%
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100000.00
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| FCY Call Deposits | ||||
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1.
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USD
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0.75%
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USD 100.00
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Interest Rate on Loans & Advances
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S.No.
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Loan Headings
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Rate Per Annum %
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1.
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Gold and Silver Loan
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BR+4.16
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Export Finance
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2.
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Export Finance in Domestic Currency
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BR+0.10 to BR+0.21
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3.
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Post Shipment & Pre-Shipment (in USD)
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One Year LIBOR Rate + 2.69%
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4.
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Trust Receipt
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4.1
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Trust Receipt (NPR)
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BR+1.19 to BR+1.80
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4.2
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Trust Receipt (USD)
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Six Month LIBOR Rate + 2.69%
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5.
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Term Loan
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5.1.
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Industrial/Commercial
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BR+2.55 to BR+3.16
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5.2.
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Real Estate - Housing Plan
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BR+3.19 to BR+3.80
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5.3.
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Real Estate - Commercial Complex
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BR+2.19 to BR+2.80
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6.
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Working Capital
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6.1.
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Hypothecation
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BR+3.05 to BR+3.66
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6.2.
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Overdraft
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BR+3.05 to BR+3.66
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6.3.
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Pledge loan
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BR+3.05 to BR+3.66
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6.4.
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Demand
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BR+3.05 to BR+3.66
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6.5.
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Mortgage Loan
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6.5.1.
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Mortgage Working Capital Loan
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BR+3.05 to BR+4.66
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6.5.2.
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Mortgage Term Loan
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BR+3.05 to BR+4.66
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6.6.
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Sajilo Byabasaya Karja
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BR+3.19
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6.7.
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Sambriddha Byabasaya Karja
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BR+2.00 to BR+3.66
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6.8.
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Laghu Udhyam Karja
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BR+2.00
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6.9.
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Anniversary Business Loan
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6.99% or BR+0.18 whichever is higher
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6.10.
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Entrepreneurship Term Loan -Lumbini Province
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7.75% (Fixed Rate for 3 Years)
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7.
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Deprived Sector Loan
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7.1.
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Individual
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BR+1.55 to BR+2.16
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7.2.
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Institutional (Wholesale) - Revolving
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BR+0.19 to BR+1.30
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7.3.
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Institutional (Wholesale) - Term loan
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BR+0.19 to BR+1.30
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7.4.
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Institutional (Retail) - Revolving
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BR+1.19 to BR+1.80
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7.5.
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Institutional (Retail) -Term Loan
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BR+1.19 to BR+1.80
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8.
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Agriculture Loan
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BR+2.00
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9.
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Other Loan
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9.1.
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Loan against first class bank guarantee
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BR+1.55 to BR+2.16
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9.2.
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Loan against FD receipt
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Coupon Rate + 2.00
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9.3.
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Loan against Govt. Securities
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Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
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9.4.
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Hire Purchase loan
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BR+2.55 to BR+4.16
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9.5.
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Sahuliyatpurna Karja
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BR+2.00
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10.
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Interest on Retail Loans
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10.1
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Auto Loan
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10.1.1.
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Private vehicle 5 years term
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BR+2.55 to BR+3.16
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10.1.2.
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Private vehicle 7 years term
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BR+3.55 to BR+4.16
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10.1.3.
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Private vehicle business use 5 years term
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BR+2.55 to BR+4.16
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10.1.4.
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Commercial vehicle 3-5 years term
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BR+3.55 to BR+4.16
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10.1.5.
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Nepalaxmi Auto Loan
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BR+1.55 to BR+2.16
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10.1.6.
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NBL Professional Auto Loan
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BR+1.55 to BR+2.16
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10.1.7.
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Electrical Vehicle
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BR+2.01 to BR+4.16
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10.2.
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Home Loan
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10.2.1.
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5 years term
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BR+1.55 to BR+2.16
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10.2.2.
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10 years term
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BR+2.19 to BR+2.80
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10.2.3.
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15 years and above term
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BR+3.05 to BR+3.66
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10.2.4.
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Professional Home Loan
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BR+1.55 to BR+2.16
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10.2.5.
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Nepalaxmi Home Loan
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BR+1.55 to BR+2.16
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10.3.
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Shulav Aawas Karja
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10.3.1.
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5 years term
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BR+1.00
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10.3.2.
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10 years term
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BR+1.25
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10.3.3.
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15 years term
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BR+1.50
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10.3.4.
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20 years term
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BR+2.00
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10.4.
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Personal Term Loan
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10.4.1.
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5 years term
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BR+2.55 to BR+3.66
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10.4.2.
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10 years term
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BR+3.05 to BR+4.16
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10.4.3.
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15 years and above term
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BR+3.55 to BR+4.33
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10.5.
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Personal Overdraft
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10.5.1.
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POD - Professional
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BR+3.55 to BR+4.16
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10.5.2.
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POD - Others
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BR+4.05 to BR+4.66
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10.6
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NBL Professional Loan
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10.6.1.
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Overdraft
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BR+3.19 to BR+4.16
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10.6.2.
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Term Loan
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BR+1.69 to BR+2.66
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10.7.
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Education Loan
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10.7.1.
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5 years term
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BR+1.05 to BR+1.66
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10.7.2.
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10 years term
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BR+1.55 to BR+2.16
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10.8.
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Margin Lending
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10.8.1.
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Up to 5 Million
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BR+4.05 to BR+5.02
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10.8.2.
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5 Million above up to 50 Million
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BR+3.55 to BR+4.52
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10.8.3.
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50 Million above up to 100 Million
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BR+3.05 to BR+4.02
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10.8.4.
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100 Million above
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BR+2.05 to BR+3.02
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10.9.
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NBL Flexi Loan
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10.9.1.
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Flexi Term Loan
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BR+3.05 to BR+3.66
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10.9.2.
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Flexi Overdraft
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BR+3.05 to BR+4.16
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10.10
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Sewagrahi Karja
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BR+upto5.00
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10.11
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Ghaderi Karja
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BR+3.00
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10.12
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NBL Pensioner Loan
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BR+2.00
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Retail Term Loans (Fixed Rate)
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S.No.
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Loan Headings
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Rate Per Annum %
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5 Years
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7 Years
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10 Years
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Above 10 Yr
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1.
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Home Loan
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9.85
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-
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11.49
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12.49
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2.
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Nepalaxmi/Professional Home Loan
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9.85
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-
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10.85
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11.85
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3.
|
Shulav Aawas Karja Loan
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9.49
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-
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10.74
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11.99
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4.
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Auto Loan
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10.85
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12.85
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-
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-
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5.
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Nepalaxmi/Professional Auto Loan
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10.85
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10.85
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-
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-
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6.
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Electrical Vehicle Loan
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11.08
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-
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-
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-
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7.
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Personal Term Loan
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11.10
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-
|
12.60
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13.93
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8.
|
NBL Professional Term Loan
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10.17
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-
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11.17
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12.17
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9.
|
NBL Flexi Loan
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11.35
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-
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12.35
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13.35
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10.
|
Education Loan
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9.35
|
-
|
10.85
|
-
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11.
|
Sewagrahi Karja
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upto 12.99
|
-
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-
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-
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12.
|
Ghaderi Karja
|
10.99
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-
|
11.99
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12.99
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| Base Rate (BR) as of Ashwin End 2077: 6.81 | |||
| 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. | ||
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