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 Savings | 3.05% |
| Wonder Woman Savings | 3.05% |
| Sunaulo Bachat | 3.05% |
| Samman Bachat | 3.05% |
| Special Care Account | 3.05% |
| Payroll Savings | |
| Shubha Bachat | 4.05% |
| Shakti Bachat | 4.05% |
| Premium Savings | |
| Orange Savings Plus | 5.05% |
| Sampurna Bachat | 5.05% |
| Green Savings | 5.05% |
| Suryodaya Savings | 5.05% |
| Remittance Savings | |
| Mero Bhumi Bachat | 6.05% |
| Deposits | % per annum |
|---|---|
| Call Deposits | Negotiable, up to 1.525% p.a. (or as agreed under a separate fixed period contract) |
| Term Deposits | Institutions | Personal | Personal-Remittance |
|---|---|---|---|
| 3 months - Below 6 months | - | 5.25% | 6.25% |
| 6 months - Below 1 years | 4.25% | 5.25% | 6.25% |
| 1 year and above | 5.50% | 6.50% | 7.50% |
| Recurring Deposits (up to 5 years) | - | 6.50% | - |
| FCY Deposits - per annum | Savings | Individual Term | Institutional Term |
|---|---|---|---|
| USD Deposits | 3.00% | 5.00% | 4.00% |
| EUR Deposits | 2.00% | 3.50% | 2.50% |
| GBP Deposits | 2.00% | 4.00% | 3.00% |
| AUD Deposits | 2.00% | 4.00% | 3.00% |
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 Ashad 2081 (3 months Average) : 8.70%
| Cash Credit | % per annum |
|---|---|
| Corporate | Base Rate + up to 4 |
| SMEs/Others | Base Rate + up to 4 |
| Working Capital/ Short Term Loans | % per annum |
|---|---|
| Corporate | Base Rate + up to 4 |
| SMEs/Others | Base Rate + up to 4 |
| Supply Finance | Base Rate + up to 4 |
| Export Loans | Base Rate + up to 4 |
| Term Loans - Corporate | Base Rate + up to 4 |
| Term Loans - SME | Base Rate + up to 4 |
| Importer's Loans | % per annum |
|---|---|
| Trading | Base Rate + up to 4 |
| Others | Base Rate + up to 4 |
| Others Loans | % per annum |
|---|---|
| Supply Finance | Base Rate + up to 4 |
| Export Loans | Base Rate + up to 3 |
| Term Loans | Base Rate + up to 4 |
| Auto Loans | Base Rate + up to 4 |
| Education loans | Base Rate + up to 3 |
| Home Loans | Base Rate + up to 3 |
| Home Equity Loans | Base Rate + up to 4 |
| Home Equity Revolving Line of Credit | Base Rate + up to 4 |
| Personal Loans | Base Rate + up to 4 |
| Sana Byawasai Karja | Base Rate + up to 4 |
| Loans Against Gold | Base Rate + up to 4 |
| Loans Against Fixed Deposits | Higher of FD + up to 2 or Base Rate + up to 4 |
| Loans Against First Class Bank Guarantee | Base Rate + up to 3 |
| Loans Against Marketable Securities incl. Govt. Bonds | Base Rate + up to 4 |
| Microfinance Loans | Base 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 year | 9.99 - 12.99 | 9.99 - 12.99 | 9.99 - 12.99 | 9.99 - 12.99 | 9.99 - 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 Ashad 2081 (3 months Average) : 8.70%
*Base Rate for Ashad 2081: 8.52% | LCY Interest Rate Spread for Ashad 2081: 4.00%
*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.