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)
1.50%
1.25%
Special Saving Deposit
1. Pension Payment Saving   2.50% 1.25%
2. Salary Saving Account (Non NBL Staff)   3.25% 2.50%
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. Social Security Saving Account
2.50%
 
9. NBL Special Saving
3.00%
2.75%
10. NBL Staff Pension Saving
2.50%
2.75%
11. NBL Staff Salary Saving
3.25%
2.50%
12. Santati Saving Account   2.50%  
13. Remittance Saving Account   2.50%  
14. Investor's Saving Account   2.50%  
FCY Saving Deposit
1. USD
0.75%
0.50%
2. EUR
0.40%
0.50%
3. GBP
0.40%
0.50%
Fixed Deposit
1.
3 Month
5.00%
3.00%
2.
6 Month (Individual)
6.50%
8.50%
3.
6 Month (Institutional)
6.00%
 
4.
1 year (Individual)
8.00%
9.50%
5.
1 year (Institutional)
7.50%
 
6.
Nepalaxmi Fixed Deposit (Above 1 year up to 5 years)
7.00%
 
7.
Employee Welfare Account
4.00%
 
FCY Fixed Deposit
1. USD
Negotiable
Akschhaya Kosh  
 

Other Institutions

  6.50% 4.25%
 

NBL Trust Fund

  6.75% 5.75%

Call Deposits

 

Normal Call Deposits

  1.25% 1.00%



Rate of Interest

Effective From 01 Poush 2074


S.No Loan Headings Premium Rate (%) per annum on Base rate
1 Gold and silver loan 5.10 to 5.71
2 Export Finance in NPR 0.46 to 1.07
3 Pre/Post shipment in USD 0.10 to 2.07
4 Trust Receipt 1.60 to 3.71
5 Term Loan  
5.1 Industrial/ Commercial 3.10 to 5.07
5.2 Real Estate-Housing Plan 5.10 to 5.71
5.3 Real Estate-Comercial Complex 4.10 to 4.71
6  Working Capital  
6.1 Hypothecation 2.60 to 5.57
6.2 Overdraft 2.60 to 5.57
6.3 Pledge loan 2.60 to 5.57
6.4 Demand 2.60 to 5.57
6.5 Loan against govt. securities Coupon Rate +2.00 or BR whichever is higher
6.6 Mortgaged Loan  
6.6.1 Mortgage Working Capital loan 3.46 to 6.57
6.6.2 Mortgage Term loan 3.46 to 6.57
7 Deprived sector loan  
7.1 Individual 3.46 to 4.07
7.2 Institutional (Wholesale)- Revolving 1.46 to 2.07
7.3 Institutional (Wholesale)- Term loan 2.10 to 2.71
7.2 Institutional- Revolving 1.46 to 2.07
7.3 Institutional -Term Loan 3.10 to 3.71
8  Agriculture Loan 3.10 to3.71
9 Loan against first class bank guarantee 3.46 to 4.07
10 Loan against FD receipt  Coupon Rate +2.00
11 Hire Purchase loan 5.46 to 6.07
12 Sajilo Byabasaya Karja 4.10 to 6.07
13 Interest on consumer loans  
13.1 Auto Loan  
13.1.1 Private Vehicle 5 years term 4.46 to 5.07
13.1.2 Private Vehicle 7 years term 5.46 to 6.07
13.1.3 Private vehicle business use 5 years term 5.46 to 6.07
13.1.4 Commercial vehicle 3-5 years term  5.46 to 6.07
13.1.5 Private vehicle used 4 years term 5.46 to 6.07
13.1.6 Auto loan (Nepalaxmi) 3.46 to 4.07
13.1.7 Professional Auto Loan 3.46 to 4.07
14 Home Loan  
14.1 5 years term 3.46 to 4.07
14.2 10 years term 4.10 to 4.71
14.3 15 years and above term 4.96 to 5.57
14.4 Professional Home Loan 3.46 to 4.07
14.5 Home Loan (Nepalaxmi) 3.46 to 4.07
15 Personal Term Loan  
15.1 5 years term 3.96 to 4.57
15.2 10 years term 4.46 to 5.07
15.3 15 years and above term  5.46 to 6.07
16 Personal Overdraft  
16.1 POD-Professional 5.46 to 6.07
16.2 POD-Others 5.96 to 6.57
16.3 NBL Professional Loan  
16.3.1  Overdraft 5.10 to 5.71
16.3.2  Term Loan 3.60 to 4.21
17 Education Loan  
17.1 5 years term 2.96 to 3.57
17.2 10 years term 3.46 to 4.07
18 Margin Lending  
18.1 Up to 50 Million 5.10 to 5.71
18.2 50 Million above upto 100 Million 4.10 to 4.71
18.3 100 Million Above 3.10 to3.71
19 NBL Flexi Loan  
19.1 Flexi Term Loan 4.46 to 5.07
19.2 Flexi Overdraft 4.96 to 5.57
Base Rate (BR) as of  Ashwin end 2074 :              6.90
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 shalll 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.