Interest Rate

Deposits Annual Interest Rate
S.No. Deposit Type Duration Rate** Minimum Balance Required (NPR)
1. Normal Saving
6.50%
500.00
Special Saving Deposit
1. NBL Diamond Saving   6.50% 500.00
2. Women Special Saving   6.50% 500.00
3. Yuva Bachat Khata   6.50% 100.00
4. Santati Saving Account   6.50% 0.00
5. NBL Staff Pension Saving  
6.50%
0.00
6. Remittance Saving Account  
6.50%
0.00
7. Investor's Saving Account  
6.50%
0.00
8. Senior Citizens Special Saving  
6.50%
500.00
9. Professional's Saving
6.50%
500.00 
10. Social Security Saving Account
6.50%
0.00
11. Pension Payment Saving Account
6.50%
0.00
12. NBL Special Saving
6.50%
50000.00
13. Earthquake Relief Fund Account
6.50%
0.00
14. NBL Staff Salary Saving   6.50% 0.00
15. Salary Saving Account   6.50% 0.00
16. Nari Samman Bachat Khata   6.50% 10000.00
17. Sambandha Bachat Khata 6.50%0.00
18. Nagarik Batchat Khata   6.50% 10000.00
19. Samriddha Nepal Abhiyan Bachat Khata   6.50% 100.00
FCY Saving Deposit
1. USD
2.00%
USD 100.00
2. EURO
0.00%
EURO 100.00
3. GBP
0.40%
GBP 100.00
Fixed Deposit
1.
3 Month (Individual)
9.25%
25000.00
2.
3 Month (Institutional)
8.50%
25000.00
3.
6 Month (Individual)
9.25%
25000.00
4.
6 Month (Institutional)
8.50%
25000.00
5.
1 Year Fixed Deposit (Individual)
9.25%
25000.00
6.
1 Year Fixed Deposit (Institutional)
8.50%
25000.00
7.
Above 1 year up to 2 years (Individual)
9.25%
25000.00
8.
Above 1 year up to 2 years (Institutional)
8.50%
25000.00
9.
Above 2 years up to 5 years (Individual)
9.00%
25000.00
10.
Above 2 years up to 5 years (Institutional)
8.00%
25000.00
FCY Fixed Deposit
1. USD
Negotiable
USD 500.00
Employee Welfare Account  
1.

Employee Welfare Account

  6.50%
Akchaya Kosh  
1.

Akchaya Kosh

  8.50%
NBL Trust Fund  
1.

NBL Trust Fund

  9.50%
Call Deposits
1.

Normal Call Deposits

  6.50% 100000.00
FCY Call Deposits
1.

USD

  0.75% USD 100.00


Lending Rate on Loan Types
S.No. Loan Type Rate**
1. Gold and Silver LoanBR+4.72
Export Finance
2. Export Finance in Domestic Currency BR+0 to BR+0.21
3. Post Shipment & Pre-Shipment (in USD) One Year LIBOR Rate + 1.25%
4. Trust Receipt
4.1 Trust Receipt (NPR) BR+0.25 to BR+2.36
4.2 Trust Receipt (USD) Six Month LIBOR Rate + 1.25%
5. Term Loan
5.1. Industrial/Commercial BR+1.75 to BR+3.72
5.2. Real Estate - Housing Plan BR+3.75 to BR+4.36
5.3. Real Estate - Commercial Complex BR+2.75 to BR+3.36
6. Working Capital
6.1. Hypothecation BR+1.25 to BR+4.22
6.2. Overdraft BR+1.25 to BR+4.22
6.3. Pledge loan BR+1.25 to BR+4.22
6.4. Demand BR+1.25 to BR+4.22
6.5. Mortgage Loan
6.5.1. Mortgage Working Capital Loan BR+2.11 to BR+5.22
6.5.2. Mortgage Term Loan BR+2.11 to BR+5.22
6.6. Sajilo Byabasaya Karja BR+3.75
7. Deprived Sector Loan
7.1. Individual BR+2.11 to BR+2.72
7.2. Institutional (Wholesale) - Revolving BR+0.11 to BR+1.36
7.3. Institutional (Wholesale) - Term loan BR+0.75 to BR+1.36
7.4. Institutional (Retail) - Revolving BR+0.72 to BR+2.36
7.5. Institutional (Retail) -Term Loan BR+1.75 to BR+2.36
8. Agriculture Loan
8.1. Agriculture Loan BR+2.00
9. Other Loan
9.1. Loan against first class bank guarantee BR+2.11 to BR+2.72
9.2. Loan against FD receipt Coupon Rate + 2.00
9.3. Hire Purchase loan BR+4.11 to BR+4.72
9.4. Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
9.5. Sahuliyatpurna Karja BR+2.00
10. Interest on Consumer Loans
10.1 Auto Loan
10.1.1. Private vehicle 5 years term BR+3.11 to BR+3.72
10.1.2. Private vehicle 7 years term BR+4.11 to BR+4.72
10.1.3. Private vehicle business use 5 years term BR+4.11 to BR+4.72
10.1.4. Commercial vehicle 3-5 years term BR+4.11 to BR+4.72
10.1.5. Nepalaxmi Auto Loan BR+2.11 to BR+2.72
10.1.6. NBL Professional Auto Loan BR+2.11 to BR+2.72
10.2. Home Loan
10.2.1. 5 years term BR+2.11 to BR+2.72
10.2.2. 10 years term BR+2.75 to BR+3.36
10.2.3. 15 years and above term BR+3.61 to BR+4.22
10.2.4. NBL Professional Home Loan BR+2.11 to BR+2.72
10.2.5. Nepalaxmi Home Loan BR+2.11 to BR+2.72
10.3. Personal Term Loan
10.3.1. 5 years term BR+3.11 to BR+4.22
10.3.2. 10 years term BR+3.61 to BR+4.72
10.3.3. 15 years and above term BR+4.11 to BR+4.89
10.4. Personal Overdraft
10.4.1. POD - Professional BR+4.11 to BR+4.72
10.4.2. POD - Others BR+4.61 to BR+5.22
10.5 NBL Professional Loan
10.5.1. Overdraft BR+3.75 to BR+4.72
10.5.2. Term Loan BR+2.25 to BR+3.22
10.6. Education Loan
10.6.1. 5 years term BR+1.61 to BR+2.22
10.6.2. 10 years term BR+2.11 to BR+2.72
10.7. Margin Lending
10.7.1. Up to 10 Million BR+4.61 to BR+5.58
10.7.2. 10 Million above up to 50 Million BR+4.11 to BR+5.08
10.7.3. 50 Million above up to 100 Million BR+3.61 to BR+4.58
10.7.4. 100 Million above BR+2.61 to BR+3.58
10.8. NBL Flexi Loan
10.8.1. Flexi Term Loan BR+3.61 to BR+4.22
10.8.2. Flexi Overdraft BR+3.61 to BR+4.72
  ** Rates are effective from Ashad 18, 2076 (July 3, 2019)
Base Rate (BR) as of  Chaitra end 2075: 6.92
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 shall 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.