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Interest Rate

Effective From Mangshir 01, 2077 (Nov 16, 2020)
 
Deposits Annual Interest Rate
S.No.
Deposit Type
Rate Per Annum %
Minimum Balance (NPR)
Saving Deposit
1.
Normal Saving
2.50%
500.00
2.
NBL Diamond Saving
3.50%
500.00
3.
Women Special Saving
3.50%
500.00
4.
Yuva Bachat Khata
3.50%
0.00
5.
Santati Saving Account
3.50%
0.00
6.
NBL Staff Pension Saving
4.50%
0.00
7.
Remittance Saving Account
3.50%
0.00
8.
Investor's Saving Account
3.50%
0.00
9.
Senior Citizens Special Saving
3.50%
500.00
10.
Professional's Saving
3.50%
500.00 
11.
Social Security Saving Account
3.50%
0.00
12.
Pension Payment Saving Account
4.50%
0.00
13.
NBL Special Saving
4.50%
50000.00
14.
Earthquake Relief Saving
4.50%
0.00
15.
TU Pension Saving
4.50%
0.00
16.
NBL Staff Salary Saving
4.50%
0.00
17.
Salary Saving Account
4.50%
0.00
18.
Nari Samman Bachat Khata
4.50%
10000.00
19.
Sambandha Bachat Khata
4.50%
0.00
20.
Nagarik Batchat Khata
4.50%
1000.00
21.
Samriddha Nepal Abhiyan Bachat Khata
4.50%
0.00
22.
Green Saving Deposit
4.50%
1000.00
23.
Chhori (Beti) Kalyan Bachat Khata
4.50%
5000.00
24.
Chhori Surakshya Bachat (Karnali)
4.50%
0.00
25.
Balbalika Bachat Khata
4.50%
0.00
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)
6.25%
25000.00
 
3 Month (Institutional)
5.50%
25000.00
 
3 Months (Institutional)-Renewal
5.60%
25000.00
2.
Above 3 Months upto 6 Months (Individual)
6.75%
25000.00
 
Above 3 Months upto 6 Months (Institutional)
6.00%
25000.00
 
Above 3 Months upto 6 Months(Institutional)-Renewal
6.10%
25000.00
3.
Above 6 Months upto 1 Year (Individual)
7.25%
25000.00
 
Above 6 Months upto 1 Year (Institutional)
6.50%
25000.00
 
Above 6 Months upto 1 Year (Institutional)-Renewal
6.60%
25000.00
4.
Above 1 Year upto 5 Years (Individual)
7.50%
25000.00
 
Above 1 Year upto 5 Years (Institutional)
7.00%
25000.00
5.
Above 5 Years upto 10 Years (Individual)
8.25%
25000.00
 
Above 5 Years upto 10 Years  (Institutional)
7.50%
25000.00
FCY Fixed Deposit
1.
USD
Negotiable
USD 500.00
Employee Welfare Account  
1.
Employee Welfare Account
4.50%
 
Akchaya Kosh
 
1.
Akchhaya Kosh
6.50%
 
NBL Trust Fund
 
1.
NBL Trust Fund
7.25%
 
Call Deposits
1.
Normal Call Deposits
1.25%
100000.00
FCY Call Deposits
1.
USD
0.75%
USD 100.00
 
Interest Rate on Loans & Advances
S.No.
Loan Headings
Rate Per Annum %
1.
Gold and Silver Loan
BR+4.16
 
Export Finance
 
2.
Export Finance in Domestic Currency
BR+0.10 to BR+0.21
3.
Post Shipment & Pre-Shipment (in USD)
One Year LIBOR Rate + 2.69%
4.
Trust Receipt
 
4.1
Trust Receipt (NPR)
BR+1.19 to BR+1.80
4.2
Trust Receipt (USD)
Six Month LIBOR Rate + 2.69%
5.
Term Loan
 
5.1.
Industrial/Commercial
BR+2.55 to BR+3.16
5.2.
Real Estate - Housing Plan
BR+3.19 to BR+3.80
5.3.
Real Estate - Commercial Complex
BR+2.19 to BR+2.80
6.
Working Capital
 
6.1.
Hypothecation
BR+3.05 to BR+3.66
6.2.
Overdraft
BR+3.05 to BR+3.66
6.3.
Pledge loan
BR+3.05 to BR+3.66
6.4.
Demand
BR+3.05 to BR+3.66
6.5.
Mortgage Loan
 
6.5.1.
Mortgage Working Capital Loan
BR+3.05 to BR+4.66
6.5.2.
Mortgage Term Loan
BR+3.05 to BR+4.66
6.6.
Sajilo Byabasaya Karja
BR+3.19
6.7.
Sambriddha Byabasaya Karja
BR+2.00 to BR+3.66
6.8.
Laghu Udhyam Karja
BR+2.00
6.9.
Anniversary Business Loan
BR+0.18
7.
Deprived Sector Loan
 
7.1.
Individual
BR+1.55 to BR+2.16
7.2.
Institutional (Wholesale) - Revolving
BR+0.19 to BR+1.30
7.3.
Institutional (Wholesale) - Term loan
BR+0.19 to BR+1.30
7.4.
Institutional (Retail) - Revolving
BR+1.19 to BR+1.80
7.5.
Institutional (Retail) -Term Loan
BR+1.19 to BR+1.80
8.
Agriculture Loan
BR+2.00
9.
Other Loan
 
9.1.
Loan against first class bank guarantee
BR+1.55 to BR+2.16
9.2.
Loan against FD receipt
Coupon Rate + 2.00
9.3.
Loan against Govt. Securities
Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
9.4.
Hire Purchase loan
BR+2.55 to BR+4.16
9.5.
Sahuliyatpurna Karja
BR+2.00
10.
Interest on Retail Loans
 
10.1
Auto Loan
 
10.1.1.
Private vehicle 5 years term
BR+2.55 to BR+3.16
10.1.2.
Private vehicle 7 years term
BR+3.55 to BR+4.16
10.1.3.
Private vehicle business use 5 years term
BR+2.55 to BR+4.16
10.1.4.
Commercial vehicle 3-5 years term
BR+3.55 to BR+4.16
10.1.5.
Nepalaxmi Auto Loan
BR+1.55 to BR+2.16
10.1.6.
NBL Professional Auto Loan
BR+1.55 to BR+2.16
10.1.7.
Electrical Vehicle
BR+2.01 to BR+4.16
10.2.
Home Loan
 
10.2.1.
5 years term
BR+1.55 to BR+2.16
10.2.2.
10 years term
BR+2.19 to BR+2.80
10.2.3.
15 years and above term
BR+3.05 to BR+3.66
10.2.4.
Professional Home Loan
BR+1.55 to BR+2.16
10.2.5.
Nepalaxmi Home Loan
BR+1.55 to BR+2.16
10.3.
Shulav Aawas Karja
 
10.3.1.
5 years term
BR+1.00
10.3.2.
10 years term
BR+1.25
10.3.3.
15 years term
BR+1.50
10.3.4.
20 years term
BR+2.00
10.4.
Personal Term Loan
 
10.4.1.
5 years term
BR+2.55 to BR+3.66
10.4.2.
10 years term
BR+3.05 to BR+4.16
10.4.3.
15 years and above term
BR+3.55 to BR+4.33
10.5.
Personal Overdraft
 
10.5.1.
POD - Professional
BR+3.55 to BR+4.16
10.5.2.
POD - Others
BR+4.05 to BR+4.66
10.6
NBL Professional Loan
 
10.6.1.
Overdraft
BR+3.19 to BR+4.16
10.6.2.
Term Loan
BR+1.69 to BR+2.66
10.7.
Education Loan
 
10.7.1.
5 years term
BR+1.05 to BR+1.66
10.7.2.
10 years term
BR+1.55 to BR+2.16
10.8.
Margin Lending
 
10.8.1.
Up to 5 Million
BR+4.05 to BR+5.02
10.8.2.
5 Million above up to 50 Million
BR+3.55 to BR+4.52
10.8.3.
50 Million above up to 100 Million
BR+3.05 to BR+4.02
10.8.4.
100 Million above
BR+2.05 to BR+3.02
10.9.
NBL Flexi Loan
 
10.9.1.
Flexi Term Loan
BR+3.05 to BR+3.66
10.9.2.
Flexi Overdraft
BR+3.05 to BR+4.16
10.10
Sewagrahi Karja
BR+upto5.00
10.11
Ghaderi Karja
BR+3.00
 
Retail Term Loans (Fixed Rate)
S.No.
Loan Headings
Rate Per Annum %
 
 
5 Years
7 Years
11 Years
Above 10 Yr
1.
Home Loan
9.85
-
11.49
13.35
2.
Nepalaxmi/Professional Home Loan
9.85
-
10.85
11.85
3.
Shulav Aawas Karja Loan
9.49
-
10.74
11.99
4.
Auto Loan
10.85
12.85
-
-
5.
Nepalaxmi/Professional Auto Loan
10.85
10.85
-
-
6.
Electrical Vehicle Loan
11.08
-
-
-
7.
Personal Term Loan
11.10
-
12.60
13.93
8.
NBL Professional Term Loan
10.17
-
11.17
12.17
9.
NBL Flexi Loan
11.35
-
12.35
13.35
10.
Education Loan
9.35
-
10.85
-
11.
Sewagrahi Karja
upto 12.99
-
-
-
12.
Ghaderi Karja
10.99
-
11.99
12.99
 
  Base Rate (BR) as of  Ashwin End 2077: 6.81
1. Lending rates shall be changed with the changes in Base rate on 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.

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