Base Rate for Jestha 2080: 10.80%

LCY Interest Rate Jestha 2080: 4.20%

Interest Rates

Rate of Interest

(With effect from 16th July, 2024)

Deposit% per annum
Basic Savings
Sunrise Savings3.05%
Wonder Woman Savings3.05%
Sunaulo Bachat3.05%
Samman Bachat3.05%
Special Care Account3.05%
Payroll Savings
Shubha Bachat4.05%
Shakti Bachat4.05%
Premium Savings
Orange Savings Plus5.05%
Sampurna Bachat5.05%
Green Savings5.05%
Suryodaya Savings5.05%
Remittance Savings
Mero Bhumi Bachat6.05%
Interest on all savings accounts will be accrued daily and paid on a quarterly basis.
Deposits% per annum
Call DepositsNegotiable, up to 1.525% p.a. (or as agreed under a separate fixed period contract)
Term DepositsInstitutionsPersonalPersonal-Remittance
3 months - Below 6 months-5.25%6.25%
6 months - Below 1 years4.25%5.25%6.25%
1 year and above5.50%6.50%7.50%
Recurring Deposits (up to 5 years)-6.50%-
FCY Deposits - per annumSavingsIndividual TermInstitutional Term
USD Deposits3.00%5.00%4.00%
EUR Deposits2.00%3.50%2.50%
GBP Deposits2.00%4.00%3.00%
AUD Deposits2.00%4.00%3.00%
*Term Available : 1-3 years
Minimum Amount USD 1,000 (or equivalent) and higher
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 Jestha 2081 (3 months Average) : 8.90%

Cash Credit% per annum
CorporateBase Rate + up to 4
SMEs/OthersBase Rate + up to 4
Working Capital/ Short Term Loans% per annum
CorporateBase Rate + up to 4
SMEs/OthersBase Rate + up to 4
Supply FinanceBase Rate + up to 4
Export LoansBase Rate + up to 4
Term Loans - CorporateBase Rate + up to 4
Term Loans - SMEBase Rate + up to 4
Importer's Loans% per annum
TradingBase Rate + up to 4
OthersBase Rate + up to 4
Others Loans% per annum
Supply FinanceBase Rate + up to 4
Export LoansBase Rate + up to 3
Term LoansBase Rate + up to 4
Auto LoansBase Rate + up to 4
Education loansBase Rate + up to 3
Home LoansBase Rate + up to 3
Home Equity LoansBase Rate + up to 4
Home Equity Revolving Line of CreditBase Rate + up to 4
Personal LoansBase Rate + up to 4
Sana Byawasai KarjaBase Rate + up to 4
Loans Against GoldBase Rate + up to 4
Loans Against Fixed DepositsHigher of FD + up to 2 or Base Rate + up to 4
Loans Against First Class Bank GuaranteeBase Rate + up to 3
Loans Against Marketable Securities incl. Govt. BondsBase Rate + up to 4
Microfinance LoansBase Rate + up to 3

Loans & Advances (NPR) - Fixed Rates %p.a.

Tenure (Years)Home Loan /
Home Equity Loans(%)
Education Loan(%)Auto Loans(%)Lifestyle /
Personal Loans(%)
Term Loans
Up to 15 year9.99 - 12.999.99 - 12.999.99 - 12.999.99 - 12.999.99 - 12.99

Note

*Interest rate on all accounts will be calculated on daily basis and paid quarterly. Interest on Fixed Deposit can be paid monthly.
*Rates on Call accounts are negotiable (maximum 1.525%) and subject to change based on market conditions. Please contact any of our branches for details.
Applicable Base Rate for Jestha 2081 (3 months Average) : 8.90%
*Base Rate for Jestha 2081: 8.63% | LCY Interest Rate Spread for Jestha 2081: 4.41%
*Interest Rates on Loans and Advances shall be as guided by NRB Circular 03/080/081

For the previously published Interest Rates, please click here.