Interest Rate on Loans & Advances (Floating Rate)

Effective From Chaitra 01, 2080 (March 14, 2024)

Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1. Export Finance

1.1 Pre /Post Shipment (NPR) BR+Upto 2.00
1.2 Post Shipment & Pre-Shipment (USD) SOFR + Upto 1.75%

2. Import Finance

2.1 Trust Receipt (NPR)-Industrial BR+Upto 2.50
2.2 Trust Receipt (NPR)-Commercial BR+Upto 3.25
2.3 Trust Receipt (USD) SOFR + Upto 6.00%

3. Business Term Loan

3.1 Industrial Term Loan BR+Upto 4.25
3.2 Commercial Term Loan BR+Upto 4.00
3.3 Real Estate - Housing Plan BR+Upto 4.00
3.4 Real Estate - Commercial Complex BR+Upto 4.00
3.5 Hire Purchase loan BR+Upto 4.00

4. Working Capital Loans (Hypothecation/Overdraft/Pledge/Demand/Revolving WC/Contract Loan)

4.1 Industrial Working Capital BR+Upto 4.50
4.2 Commercial Working Capital BR+Upto 5.00
4.3 NBL Permanent WC Loan BR+Upto 5.00

5. Special SME Loans

5.1 Mortgage Loan BR+Upto 5.00
5.2 Sajilo Byabasaya Karja BR+Upto 5.00
5.3 Sambriddha Byabasaya Karja BR+Upto 4.25
5.4 Laghu Udhyam Karja BR+Upto 5.00
5.5 Anniversary Business Loan BR+Upto 3.50
5.6 85th Anniversary Business Loan BR+Upto 4.50

6. Deprived Sector Loan

6.1 Individual BR+ Upto 2.00
6.2 Institutional (Wholesale) - Revolving BR+Upto 2.00
6.3 Institutional (Wholesale) - Term loan BR+Upto 2.00
6.4 Institutional (Retail) - Revolving BR+ Upto 2.00
6.5 Institutional (Retail) -Term Loan BR+Upto 2.00

7. Agriculture Loan

7.1 Agriculture Loan BR+ Upto 2.00

8. Other Loans

8.1 Gold and Silver Loan BR+ Upto 4.5
8.2 Loan against first class bank guarantee BR+Upto 3.00
8.3 Loan against FD receipt Coupon Rate + Upto 2.00
8.4 Loan against Govt. Securities Coupon Rate + Upto 2.00 or 1 year Fixed Deposit rate, whichever is higher
8.5 Sahuliyatpurna Karja BR+ Upto 2.00
8.6 Entrepreneurship Term Loan -Lumbini Province As per MOU
8.7 NBL Com. agri. & Livestock Term Loan - Karnali Province BR+ Upto 2.00
8.8 NBL Com. agri. & Livestock WC - Karnali Province BR+ Upto 2.00
8.9 NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province BR+ Upto 3.00

9. Retail Loans

9.1 Auto Loan
9.1.1 Private vehicle 5 years term BR+Upto 4.50
9.1.2 Private vehicle 7 years term BR+Upto 5.00
9.1.4 Commercial vehicle 3-5 years term BR+Upto 4.50
9.1.3 Private vehicle business use 5 years term BR+Upto 4.50
9.1.5 Nepalaxmi Auto Loan BR+Upto 4.50
9.1.6 NBL Professional Auto Loan BR+Upto 3.50
9.1.7 Electrical Vehicle BR+Upto 3.50
9.2 Home Loan
9.2.1 5 years term BR+Upto 2.50
9.7.1 5 years term BR+Upto 3.50
9.2.2 10 years term BR+Upto 3.50
9.2.3 15 years and above term BR+Upto 4.00
9.2.4 Professional Home Loan BR+Upto 3.50
9.2.5 Nepalaxmi Home Loan BR+Upto 3.50
9.3 Shulav Aawas Karja
9.3.1 10 years term BR+ Upto 2.00
9.3.2 Above 10 years term BR+Upto 2.50
9.4 Personal Term Loan
9.4.1 5 years term BR+Upto 4.00
9.4.2 10 years term BR+Upto 4.50
9.4.3 15 years and above term BR+Upto 5.00
9.5 Personal Overdraft
9.5.1 POD - Professional BR+Upto 4.50
9.5.2 POD - Others BR+Upto 5.00
9.6 NBL Professional Loan
9.6.1 Overdraft BR+Upto 4.50
9.6.2 Term Loan BR+Upto 5.00
9.7 Education Loan
9.7.2 10 years term BR+Upto 4.00
9.8 Margin Lending BR+Upto 5.00
9.9 NBL Flexi Loan
9.9.1 Flexi Term Loan BR+Upto 5.00
9.9.2 Flexi Overdraft BR+Upto 5.00
9.10 Sewagrahi Karja BR+upto5.00
9.11 Ghaderi Karja BR+4.50
9.12 NBL Pensioner Loan BR+Upto 3.50