Nepal Bank Limited
Nepal Bank Limited

 


Interest Rate

Deposits Annual Interest Rate
S.No. Deposit Type Duration Rate** Previous Rate
1 Saving Deposit (Normal Saving)
(interest calculated on daily closing balance)
1.25%
1.50%
2. Pension Payment Saving   2.50% 1.25%
3. NBL Diamond Saving   2.25% 2.50%
4. Women Special Saving  
2.25%
2.50%
5. Yuva Bachat Khata  
2.25%
2.50%
6. Senior Citizens Special Saving  
2.50%
2.75%
7. Professional's Saving  
2.50%
2.75%
8. NBL Special Saving
3.00%
2.75%
9. Social Security Saving Account
2.50%
 
10. NBL Staff Saving (Payroll) / NBL Staff Pension Saving
2.50%
2.75%
11. Salary Saving Account (Non NBL Staff)   2.50% 1.25%
11. Santati Saving Account   2.50%  
11. Remittance Saving Account   2.50%  
11. Investor's Saving Account   2.50%  
FCY Saving Deposit
1. USD
0.50%
0.70%
2. EUR
0.40%
0.50%
3. GBP
0.40%
0.50%
Fixed Deposit
 
3 Month
3.00%
2.75%
6 Month
3.50%
3.25%
1 Year
4.25%
4.00%
2 year and above up to 5 year
4.50%
4.25%
FCY Fixed Deposit
1. USD
Negotiable
Akschhaya Kosh  
 

Other Institutions

  4.25% 4.50%
 

NBL Trust Fund

  5.75% 6.00%

Bulk Deposit (Fixed) Rs. 1 Crore up to 5 Crore and above 1 year

 

Individual

  4.50% 4.25%
 

Institutional

  4.25% 4.00%

Bulk Deposit (Fixed) Rs. above Crore and above 1 year

 

Individual

  6.25%  
 

Institutional

  6.00%  

Call Deposits

 

Normal Call Deposits

  1.00% 1.75%

NBL Special Call Deposits

   
 

Minimum Balance Rs 50 lakhs

  1.75%  
 

Minimum Balance Rs 1 crore

  2.00% 1.10%
 

Minimum Balance Rs 5 crores

  2.25% 1.15%
 

Minimum Balance Rs 10 crores

  2.50% 1.20%
 

Minimum Balance Rs 15 crores

  3.00% 2.50%

@ Minimum Balance Rs 40,000
Lending Rates on Loan Types Rate** Previous Rate
Gold and Silver Loan 12.00% 12.50%
Export Finance
Export Finance in Domestic Currency 7.00% 6.00%%
Post Shipment & Pre-Shipment (in USD) 7.00% to 8.00% 4.00% to 6.00%
Trust Receipt 7.00% to 9.00% 6.00% to 8.00%
Term Loan
Industrial/Commercial 8.50% to 11.00% 7.50% to 10.00%
Housing Plan 11.00% to 12.00% 9.50% to 11.00%
Real Estate 11.00% to 12.00% 9.50% to 11.00%
Working Capital
Hypothecation 8.00% to 11.00% 7.00% to 10.00%
Overdraft 8.00% to 11.00% 7.00% to 10.00%
Pledge loan 8.00% to 11.00% 7.00% to 10.00%
Demand  8.00% to 11.00% 6.00% to 10.00%
Loan against Govt. Securities Coupon Rate + 2.00 or 9.00 whichever is higher
Deprived Sector Loan
Individual 10.00% 9.00%
Institutional 5.50% 4.00%
Agriculture Loan 10.00% 9.00%
Loan against First Class Bank Guarantee 10.00% 9.00%
Loan against FD receipt Coupon Rate + 2.00
Hire Purchase Loan 10.50% to 11.50% 9.50% to 10.00%
Sajilo Byabasaik Karja 10.50% 9.50%
Consumer Loan
Auto Loan
Private vehicle 5 years term 10.00% 9.00%
Private vehicle 7 years term 10.50% 9.50%
Private vehicle business use 5 years term 11.00% 10.00%
Commercial vehicle 3-5 years term 11.00% 10.00%
Private vehicle used 4 years term 11.00% 10.00%
Nepalaxmi Auto Loan 8.50% 7.90%
NBL Professional Auto Loan 7.90% 7.00%
Home Loan
5 years term 9.00% 8.50%
10 years term 10.00% 9.50%
15 years and above term 11.00% 10.00%
NBL Professional Home Loan 7.90% 7.00%
Nepalaxmi Home Loan 8.50% 7.90%
Personal Term Loan
5 years term 10.00% 9.00% to 9.75%
10 years term 10.50% 9.25% to 10.00%
15 years and above term 11.50% 10.00% to 11.00%
Personal Overdraft
Professional Overdraft 11.00% 9.75%
Others 11.50% 10.25%
NBL Professional Loan 11.00% 9.50%
Education Loan
5 years term 9.50%  
10 years term 10.00%  
Margin Lending
Up to 10 Million 10.50% 8.50%
10 Million above up to 50 Million 10.00% 8.25%
50 Million above 9.00% 8.00%
NBL Flexi Loan
Flexi Term Loan 10.00%  
Flexi Overdraft 10.50%  

** Rates are effective from Magh 1, 2073 (Jan 14, 2016)
Base Rate - Kartik 2073: 5.89 %
#Prime: Loan above 7 Crore, No default in Account, Current Account Holder
*Standard: Loan above 1 Crore up to 7 Crore, No default in Account, Current Account Holder
~Others: Loan up to1 Crore


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Contact
Nepal Bank Limited
Dharmapath Kathmandu
(Head Office)
Tel.: +977 1 4247999 / 4239888
Toll Free: 16600137373
Email: info@nepalbank.com.np
Swift Code: NEBLNPKA

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