Base Rate for Jestha 2080: 10.80%
LCY Interest Rate Jestha 2080: 4.20%
Interest Rates
Rate of Interest
(With effect from 17th November, 2023)
| Deposit | % per annum |
|---|---|
| Basic Savings | |
| Sunrise Savings | 5.4% |
| Wonder Woman Savings | 5.4% |
| Sunaulo Bachat | 5.4% |
| Samman Bachat | 5.4% |
| Maha Bachat | 5.4% |
| Special Care Account | 5.4% |
| Premium Savings | |
| Orange Savings | 7.4% |
| Sampurna Bachat | 7.4% |
| Green Savings | 7.4% |
| Payroll Savings | |
| Shubha Bachat | 6.4% |
| Shakti Bachat | 6.4% |
| Remittance Savings | |
| Mero Bhumi Bachat | 8.4% |
| Deposits | % per annum |
|---|---|
| Call Deposits | Negotiable, up to 2.7% p.a. (or as agreed under a separate fixed period contract) |
| Term Deposits | Institutions | Personal | Personal-Remittance |
|---|---|---|---|
| 3 months - Below 6 months | - | 10.00% | 11.00% |
| 6 months - Below 1 years | 8.00% | 10.00% | 11.00% |
| 1 year and above | 8.00% | 10.00% | 11.00% |
| Bids (6 months - 5 years) | 8.50% | - | - |
| Recurring Deposits (up to 5 years) | - | 10.00% | - |
| FCY Deposits - per annum | Savings | Term |
|---|---|---|
| USD Deposits | 5.75% | 7.25% |
| EUR Deposits | 3% | 5% |
| GBP Deposits | 4.75% | 6.25% |
| AUD Deposits | 5.10% | 6.60% |
| NRN Deposit (FCY) | % per annum |
|---|---|
| NRN Term Deposit* | |
| US Dollar (USD) | 7.5% |
| NRN Savings | |
| NRN Savings (USD) | 5.75% |
Minimum Amount USD 1,000 (or equivalent) and higher
*Term Available : 1-3 years
Loans and Advances
Applicable Base Rate for Kartik 2080 (3 months Average) : 10.75%
| Cash Credit | % per annum |
|---|---|
| Corporate | Base Rate + up to 5 |
| SMEs/Others | Base Rate + up to 5 |
| Working Capital/ Short Term Loans | % per annum |
|---|---|
| Corporate | Base Rate + up to 5 |
| SMEs/Others | Base Rate + up to 5 |
| Supply Finance | Base Rate + up to 5 |
| Export Loans | Base Rate + up to 4 |
| Term Loans - Corporate | Base Rate + up to 5 |
| Term Loans - SME | Base Rate + up to 5 |
| Importer's Loans | % per annum |
|---|---|
| Trading | Base Rate + up to 5 |
| Others | Base Rate + up to 5 |
| Others Loans | % per annum |
|---|---|
| Supply Finance | Base Rate + up to 5 |
| Export Loans | Base Rate + up to 4 |
| Term Loans | Base Rate + up to 5 |
| Auto Loans | Base Rate + up to 5 |
| Education loans | Base Rate + up to 4 |
| Home Loans | Base Rate + up to 4 |
| Home Equity Loans | Base Rate + up to 5 |
| Home Equity Revolving Line of Credit | Base Rate + up to 5 |
| Personal Loans | Base Rate + up to 5 |
| Sana Byawasai Karja | Base Rate + up to 4 |
| Loans Against Gold | Base Rate + up to 4 |
| Loans Against Fixed Deposits | Higher of FD + 1 or Base Rate + up to 4 |
| Loans Against First Class Bank Guarantee | Base Rate + up to 4 |
| Loans Against Marketable Securities incl. Govt. Bonds | Base Rate + up to 5 |
| Microfinance Loans | Base Rate + up to 4 |
Loans & Advances (NPR) - Fixed Rates %p.a.
| Tenure (Years) | Home Loan(%) | Home Equity / Education Loan(%) | Auto Loans(%) | Lifestyle / Personal Loans(%) | Term Loans |
|---|---|---|---|---|---|
| Up to 15 year | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 |
Note
*Interest rate on all accounts will be calculated on daily basis and paid quarterly.
*Rates on Call accounts are negotiable (maximum 2.7%) and subject to change based on market conditions. Please contact any of our branches for details.
*Average Base Rate for Kartik 2080 (3 months Average) : 10.75%
*Base Rate for Kartik 2080: 10.55% | LCY Interest Rate Spread for Kartik 2080: 4.40%