- Home
- Interest Rate
Interest Rate
|
Effective From Chaitra 01, 2077 (Mar 14, 2021)
|
||||
|
|
||||
|
Deposits Annual Interest Rate
|
||||
|
S.No.
|
Deposit Type
|
Rate Per Annum %
|
Minimum Balance (NPR)
|
|
| Saving Deposit | ||||
|
1.
|
Normal Saving
|
2.50%
|
500.00
|
|
|
2.
|
NBL Diamond Saving
|
3.00%
|
500.00
|
|
|
3.
|
Women Special Saving
|
3.00%
|
500.00
|
|
|
4.
|
Yuva Bachat Khata
|
3.00%
|
0.00
|
|
|
5.
|
Santati Saving Account
|
3.00%
|
0.00
|
|
|
6.
|
NBL Staff Pension Saving
|
4.00%
|
0.00
|
|
|
7.
|
Remittance Saving Account
|
3.00%
|
0.00
|
|
|
8.
|
Investor's Saving Account
|
3.00%
|
0.00
|
|
|
9.
|
Senior Citizens Special Saving
|
3.00%
|
500.00
|
|
|
10.
|
Professional's Saving
|
3.00%
|
500.00
|
|
|
11.
|
Social Security Saving Account
|
3.00%
|
0.00
|
|
|
12.
|
Pension Payment Saving Account
|
4.00%
|
0.00
|
|
|
13.
|
NBL Special Saving
|
4.00%
|
50000.00
|
|
|
14.
|
Earthquake Relief Saving
|
4.00%
|
0.00
|
|
|
15.
|
TU Pension Saving
|
4.00%
|
0.00
|
|
|
16.
|
NBL Staff Salary Saving
|
4.00%
|
0.00
|
|
|
17.
|
Salary Saving Account
|
4.00%
|
0.00
|
|
|
18.
|
Nari Samman Bachat Khata
|
4.00%
|
10000.00
|
|
|
19.
|
Sambandha Bachat Khata
|
4.00%
|
0.00
|
|
|
20.
|
Nagarik Batchat Khata
|
4.00%
|
1000.00
|
|
|
21.
|
Samriddha Nepal Abhiyan Bachat Khata
|
4.00%
|
0.00
|
|
|
22.
|
Green Saving Deposit
|
4.00%
|
1000.00
|
|
|
23.
|
Chhori (Beti) Kalyan Bachat Khata
|
4.00%
|
5000.00
|
|
|
24.
|
Chhori Surakshya Bachat Khata
|
4.00%
|
0.00
|
|
|
25.
|
Balbalika Bachat Khata
|
4.00%
|
0.00
|
|
| 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)
|
5.50%
|
25000.00
|
|
|
|
3 Month (Institutional)
|
5.50%
|
25000.00
|
|
|
|
3 Months (Institutional)-Renewal
|
5.60%
|
25000.00
|
|
|
2.
|
Above 3 Months upto 6 Months (Individual)
|
6.00%
|
25000.00
|
|
|
|
Above 3 Months upto 6 Months (Institutional)
|
6.00%
|
25000.00
|
|
|
|
Above 3 Months upto 6 Months(Institutional)-Renewal
|
6.10%
|
25000.00
|
|
|
3.
|
Above 6 Months upto 1 Year (Individual)
|
7.00%
|
25000.00
|
|
|
|
Above 6 Months upto 1 Year (Institutional)
|
7.00%
|
25000.00
|
|
|
|
Above 6 Months upto 1 Year (Institutional)-Renewal
|
7.10%
|
25000.00
|
|
|
4.
|
Above 1 Year upto 10 Years (Individual)
|
7.00%
|
25000.00
|
|
|
|
Above 1 Year upto 10 Years (Institutional)
|
7.00%
|
25000.00
|
|
|
|
Above 1 Year upto 10 Years (Institutional)-Renewal
|
7.10%
|
25000.00
|
|
| FCY Fixed Deposit | ||||
|
1.
|
USD
|
Negotiable
|
USD 500.00
|
|
| Employee Welfare Account | ||||
|
1.
|
Employee Welfare Account
|
4.00%
|
|
|
|
Akchaya Kosh
|
||||
|
1.
|
Akchhaya Kosh
|
7.00%
|
|
|
|
NBL Trust Fund
|
|
|||
|
1.
|
NBL Trust Fund
|
7.00%
|
|
|
| Call Deposits | ||||
|
1.
|
Normal Call Deposits
|
1.25%
|
100000.00
|
|
| FCY Call Deposits | ||||
|
1.
|
USD
|
0.75%
|
USD 100.00
|
|
|
Interest Rate on Loans & Advances
|
||||
|
S.No.
|
Loan Headings
|
Rate Per Annum %
|
||
|
1.
|
Gold and Silver Loan
|
BR+4.16
|
||
|
|
Export Finance
|
|
||
|
2.
|
Export Finance in Domestic Currency
|
BR+0.10 to BR+0.21
|
||
|
3.
|
Post Shipment & Pre-Shipment (in USD)
|
One Year LIBOR Rate + 2.69%
|
||
|
4.
|
Trust Receipt
|
|
||
|
4.1
|
Trust Receipt (NPR)
|
BR+1.19 to BR+1.80
|
||
|
4.2
|
Trust Receipt (USD)
|
Six Month LIBOR Rate + 2.69%
|
||
|
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+3.05 to BR+4.66
|
||
|
6.5.2.
|
Mortgage Term Loan
|
BR+3.05 to BR+4.66
|
||
|
6.6.
|
Sajilo Byabasaya Karja
|
BR+3.19
|
||
|
6.7.
|
Sambriddha Byabasaya Karja
|
BR+2.00 to BR+3.66
|
||
|
6.8.
|
Laghu Udhyam Karja
|
BR+2.00
|
||
|
6.9.
|
Anniversary Business Loan
|
6.99% or BR+0.18 whichever is higher
|
||
|
6.10.
|
Entrepreneurship Term Loan -Lumbini Province
|
7.75% (Fixed Rate for 3 Years)
|
||
|
7.
|
Deprived Sector Loan
|
|
||
|
7.1.
|
Individual
|
BR+1.55 to BR+2.16
|
||
|
7.2.
|
Institutional (Wholesale) - Revolving
|
BR+0.19 to BR+1.30
|
||
|
7.3.
|
Institutional (Wholesale) - Term loan
|
BR+0.19 to BR+1.30
|
||
|
7.4.
|
Institutional (Retail) - Revolving
|
BR+1.19 to BR+1.80
|
||
|
7.5.
|
Institutional (Retail) -Term Loan
|
BR+1.19 to BR+1.80
|
||
|
8.
|
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.
|
Loan against Govt. Securities
|
Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
|
||
|
9.4.
|
Hire Purchase loan
|
BR+2.55 to BR+4.16
|
||
|
9.5.
|
Sahuliyatpurna Karja
|
BR+2.00
|
||
|
10.
|
Interest on Retail 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+2.55 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.
|
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.
|
Shulav Aawas Karja
|
|
||
|
10.3.1.
|
5 years term
|
BR+1.00
|
||
|
10.3.2.
|
10 years term
|
BR+1.25
|
||
|
10.3.3.
|
15 years term
|
BR+1.50
|
||
|
10.3.4.
|
20 years term
|
BR+2.00
|
||
|
10.4.
|
Personal Term Loan
|
|
||
|
10.4.1.
|
5 years term
|
BR+2.55 to BR+3.66
|
||
|
10.4.2.
|
10 years term
|
BR+3.05 to BR+4.16
|
||
|
10.4.3.
|
15 years and above term
|
BR+3.55 to BR+4.33
|
||
|
10.5.
|
Personal Overdraft
|
|
||
|
10.5.1.
|
POD - Professional
|
BR+3.55 to BR+4.16
|
||
|
10.5.2.
|
POD - Others
|
BR+4.05 to BR+4.66
|
||
|
10.6
|
NBL Professional Loan
|
|
||
|
10.6.1.
|
Overdraft
|
BR+3.19 to BR+4.16
|
||
|
10.6.2.
|
Term Loan
|
BR+1.69 to BR+2.66
|
||
|
10.7.
|
Education Loan
|
|
||
|
10.7.1.
|
5 years term
|
BR+1.05 to BR+1.66
|
||
|
10.7.2.
|
10 years term
|
BR+1.55 to BR+2.16
|
||
|
10.8.
|
Margin Lending
|
|
||
|
10.8.1.
|
Up to 5 Million
|
BR+4.05 to BR+5.02
|
||
|
10.8.2.
|
5 Million above up to 50 Million
|
BR+3.55 to BR+4.52
|
||
|
10.8.3.
|
50 Million above up to 100 Million
|
BR+3.05 to BR+4.02
|
||
|
10.8.4.
|
100 Million above
|
BR+2.05 to BR+3.02
|
||
|
10.9.
|
NBL Flexi Loan
|
|
||
|
10.9.1.
|
Flexi Term Loan
|
BR+3.05 to BR+3.66
|
||
|
10.9.2.
|
Flexi Overdraft
|
BR+3.05 to BR+4.16
|
||
|
10.10
|
Sewagrahi Karja
|
BR+upto5.00
|
||
|
10.11
|
Ghaderi Karja
|
BR+3.00
|
||
|
10.12
|
NBL Pensioner Loan
|
BR+2.00
|
||
|
Retail Term Loans (Fixed Rate)
|
|||||
|
S.No.
|
Loan Headings
|
Rate Per Annum %
|
|||
|
|
|
5 Years
|
7 Years
|
10 Years
|
Above 10 Yr
|
|
1.
|
Home Loan
|
9.85
|
-
|
11.49
|
12.49
|
|
2.
|
Nepalaxmi/Professional Home Loan
|
9.85
|
-
|
10.85
|
11.85
|
|
3.
|
Shulav Aawas Karja Loan
|
9.49
|
-
|
10.74
|
11.99
|
|
4.
|
Auto Loan
|
10.85
|
12.85
|
-
|
-
|
|
5.
|
Nepalaxmi/Professional Auto Loan
|
10.85
|
10.85
|
-
|
-
|
|
6.
|
Electrical Vehicle Loan
|
11.08
|
-
|
-
|
-
|
|
7.
|
Personal Term Loan
|
11.10
|
-
|
12.60
|
13.93
|
|
8.
|
NBL Professional Term Loan
|
10.17
|
-
|
11.17
|
12.17
|
|
9.
|
NBL Flexi Loan
|
11.35
|
-
|
12.35
|
13.35
|
|
10.
|
Education Loan
|
9.35
|
-
|
10.85
|
-
|
|
11.
|
Sewagrahi Karja
|
upto 12.99
|
-
|
-
|
-
|
|
12.
|
Ghaderi Karja
|
10.99
|
-
|
11.99
|
12.99
|
| Base Rate (BR) as of Poush End 2077: 6.19 | |||
| 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. | ||
Our Products
.jpg)
© Copyright 2021. All Rights Reserved. Best Viewed in 1920*1080 Resolution
Design and Developed by 
