|| 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%	0.00
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
21	Green Saving Deposit		6.50%	25000.00
22	Chhori Surakshya Bachat (Karnali)		6.50%	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)		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
10.2.6.	NBL Sulav Aawash Karja	BR+2.00
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 Mangsir 1, 2076 (November 17, 2019)
	Base Rate (BR) as of Ashwin end 2076: 7.84
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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