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Interest Rate

Deposits Annual Interest Rate
S.No. Deposit Type Duration Rate** Minimum Balance Required (NPR)
1. Normal Saving
 
4.50%
500.00
Special Saving Deposit
1. NBL Diamond Saving   6.50% 500.00
2. Women Special Saving   6.50% 500.00
3. Yuva Bachat Khata   6.50% 100.00
4. Santati Saving Account   6.50% 0.00
5. NBL Staff Pension Saving  
6.50%
0.00
6. Remittance Saving Account  
6.50%
0.00
7. Investor's Saving Account  
6.50%
0.00
8. Senior Citizens Special Saving  
6.50%
500.00
9. Professional's Saving
 
6.50%
500.00 
10. Social Security Saving Account
 
6.50%
0.00
11. Pension Payment Saving Account
 
6.50%
0.00
12. NBL Special Saving
 
6.50%
50000.00
13. Earthquake Relief Fund Account
 
6.50%
0.00
14. NBL Staff Salary Saving   6.50% 0.00
15. Salary Saving Account   6.50% 0.00
16. Nari Samman Bachat Khata   6.50% 10000.00
17. Sambandha Bachat Khata   6.50% 0.00
18. Nagarik Batchat Khata   6.50% 10000.00
19. Samriddha Nepal Abhiyan Bachat Khata   6.50% 100.00
20. Chhori Beti Kalyan Bachat Khata   6.50% 5000.00
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)
 
9.25%
25000.00
2.
3 Month (Institutional)
 
8.50%
25000.00
  3 Month (Institutional) For Renewal Only   8.60% 25000.00
3.
6 Month (Individual)
 
9.25%
25000.00
4.
6 Month (Institutional)
 
8.50%
25000.00
  6 Month (Institutional) For Renewal Only   8.60% 25000.00
5.
1 Year Fixed Deposit (Individual)
 
9.25%
25000.00
6.
1 Year Fixed Deposit (Institutional)
 
8.50%
25000.00
  1 Year Fixed Deposit (Institutional) For Renewal Only   8.60% 25000.00
7.
Above 1 year upto 2 years (Individual)
 
9.25%
25000.00
8.
Above 1 year upto 2 years (Institutional)
 
8.50%
25000.00
  Above 1 year upto 2 years (Institutional) For Renewal Only   8.60% 25000.00
9.
Above 2 years upto 5 years (Individual)
 
9.00%
25000.00
10.
Above 2 years upto 5 years (Institutional)
 
8.00%
25000.00
  Above 2 years upto 5 years (Institutional) For Renewal Only   8.10% 25000.00
FCY Fixed Deposit
1. USD
 
Negotiable
USD 500.00
Employee Welfare Account  
1.

Employee Welfare Account

  6.50%  
Akchaya Kosh  
1.

Akchaya Kosh

  8.50%  
NBL Trust Fund  
1.

NBL Trust Fund

  9.50%  
Call Deposits
1.

Normal Call Deposits

  4.50% 100000.00
FCY Call Deposits
1.

USD

  0.75% USD 100.00
 
Lending Rate on Loan Types
S.No. Loan Type Rate**
1. Gold and Silver Loan BR+4.16
  Export Finance  
2. Export Finance in Domestic Currency BR+0 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
7. Deprived Sector Loan  
7.1. Individual BR+1.55 to BR+2.16
7.2. Institutional (Wholesale) - Revolving BR+0.10 to BR+1.30
7.3. Institutional (Wholesale) - Term loan BR+0.19 to BR+1.05
7.4. Institutional (Retail) - Revolving BR+0.16 to BR+1.80
7.5. Institutional (Retail) -Term Loan BR+1.19 to BR+1.80
8. Agriculture Loan  
8.1. 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. Personal Term Loan  
10.3.1. 5 years term BR+2.55 to BR+3.66
10.3.2. 10 years term BR+3.05 to BR+4.16
10.3.3. 15 years and above term BR+3.55 to BR+4.33
10.4. Personal Overdraft  
10.4.1. POD - Professional BR+3.55 to BR+4.16
10.4.2. POD - Others BR+4.05 to BR+4.66
10.5 NBL Professional Loan  
10.5.1. Overdraft BR+3.19 to BR+4.16
10.5.2. Term Loan BR+1.69 to BR+2.66
10.6. Education Loan  
10.6.1. 5 years term BR+1.05 to BR+1.66
10.6.2. 10 years term BR+1.55 to BR+2.16
10.7. Margin Lending  
10.7.1. Up to 10 Million BR+4.05 to BR+5.02
10.7.2. 10 Million above up to 50 Million BR+3.55 to BR+4.52
10.7.3. 50 Million above up to 100 Million BR+3.05 to BR+4.02
10.7.4. 100 Million above BR+2.05 to BR+3.02
10.8. NBL Flexi Loan  
10.8.1. Flexi Term Loan BR+3.05 to BR+3.66
10.8.2. Flexi Overdraft BR+3.05 to BR+4.16
10.9 Sambriddha Byabasaya Karja BR+2.01 to BR+3.66
10.10 Sewagrahi Karja BR+5
  ** Rates are effective from Shrawan 17, 2076 (August 2, 2019)  
  Base Rate (BR) as of  Ashad end 2076: 7.98  
1. Lending rates shall be changed by the same percentage as change in the Base rate on a 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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