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Interest Rate

Effective From Kartik 01, 2079 (October 18, 2022)

1. Interest Rates on Deposits
S.No. Deposit Type Minimum Balance Rate Per Annum

1.1 Saving Deposit

1.1 Normal Saving 500.00 7.133%
1.2 NBL Diamond Saving 500.00 7.63%
1.3 Women Special Saving 500.00 7.63%
1.4 Yuva Bachat Khata 0.00 7.63%
1.5 Santati Saving Account 0.00 7.63%
1.6 NBL Staff Pension Saving 0.00 8.13%
1.7 Remittance Saving Account 0.00 10.133%
1.8 Investor's Saving Account 0.00 7.63%
1.9 Senior Citizens Special Saving 500.00 7.63%
1.10 Professional's Saving 500.00 7.63%
1.11 Social Security Saving Account 0.00 7.63% or Negotiable
1.12 Pension Payment Saving Account 0.00 8.13%
1.13 NBL Special Saving 50,000.00 8.13%
1.14 Earthquake Relief Saving 0.00 8.13%
1.15 TU Pension Saving 0.00 8.13%
1.16 NBL Staff Salary Saving 0.00 9.133%
1.17 Salary Saving Account 0.00 9.133%
1.18 Nari Samman Bachat Khata 10,000.00 8.13%
1.19 Sambandha Bachat Khata 0.00 8.13%
1.20 Nagarik Batchat Khata 1,000.00 8.13%
1.21 Samriddha Nepal Abhiyan Bachat Khata 0.00 8.13%
1.22 Green Saving Deposit 1,000.00 8.13%
1.23 Chhori (Beti) Kalyan Bachat Khata 5,000.00 8.13%
1.24 Chhori Surakshya Bachat Khata 0.00 8.13%
1.25 Balbalika Bachat Khata 0.00 8.13%
1.26 NBL Shubha Gyan Bachat Khata 0.00 7.133%
1.27 NBL Sahayatri Bachat Khata 500.00 7.133%
1.28 NBL Pioneer Saving Deposit Account 10,000.00 9.13%

1.2 Fixed Deposit

2.1 3 months 25,000.00
2.1.1 Individual 12.133%
2.1.2 Institutional 10.133%
2.2 Above 3 Months upto 6 Months 25,000.00
2.2.1 Individual 25,000.00 12.133%
2.2.2 Institutional 10.133%
2.3 Above 6 Months upto 1 Year 25,000.00
2.3.1 Individual 12.13%
2.3.2 Institutional 10.133%
2.4 Above 1 Year upto 10 Years 25,000.00
2.4.1 Individual 12.13%
2.4.2 Institutional 10.133%
2.5 Remittance Fixed Deposit (3 months and above) 5,000.00 13.133%

1.3 Recurring Deposit

3.1 Recurring Deposit 1,000.00 12.13%

1.4 Employee Welfare Account

4.1 Employee Welfare Account 0.00 8.13%

1.5 Akchaya Kosh

5.1 Akshaya Kosh 25,000.00 10.13% or Negotiable

1.6 NBL Trust Fund

6.1 NBL Trust Fund 0.00 10.13%

1.7 Call Deposits

7.1 Normal Call Deposits 100,000.00 3.566%

1.8 FCY Saving Deposit

8.1 USD 100.00 5.75%
8.2 EURO 100.00 4.00%
8.3 GBP 100.00 4.75%
8.4 JPY 100.00 2.40%

1.9 FCY Call Deposits

9.1 USD 100.00 2.875%

1.10 FCY Fixed Deposit

10.1 USD 500.00 5.0%

1.11 NRN Saving Deposit

11.1 USD USD 1,000.00 5.75%
11.2 GBP GBP 900.00 4.75%
11.3 AUD AUD 1,600.00 5.10%

1.12 NRN Fixed Deposit

12.1 USD USD 1,000.00 7.25%
12.2 GBP GBP 900.00 6.25%
12.3 AUD AUD 1,600.00 6.60%
1. Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1.1 Export Finance

1.1 Export Finance (NPR) BR+1.00 to BR+2.00
1.2 Post Shipment & Pre-Shipment (USD) SOFR + 7.00 to 9.00%

1.2 Import Finance

2.1 Trust Receipt (NPR)-Industrial BR+1.00 to BR+3.00
2.2 Trust Receipt (NPR)-Commercial BR+2.00 to BR+4.00
2.3 Trust Receipt (USD) SOFR + 7.00 to 9.00%

1.3 Business Term Loan

3.1 Industrial Term Loan BR+1.75 to BR+3.66
3.2 Commercial Term Loan BR+3.00 to BR+4.50
3.3 Real Estate - Housing Plan BR+3.50 to BR+5.50
3.4 Real Estate - Commercial Complex BR+3.50 to BR+5.00
3.5 Hire Purchase loan BR+3.50 to BR+4.50

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

4.1 Industrial Working Capital BR+1.50 to BR+4.50
4.2 Commercial Working Capital BR+2.00 to BR+5.00
4.3 NBL Permanent WC Loan BR+3.00 to 5.00

1.5 Special SME Loans

5.1 Mortgage Loan BR+2.50 to BR+5.50
5.2 Sajilo Byabasaya Karja BR+2.00 to BR+5.00
5.3 Sambriddha Byabasaya Karja BR+3.25 to BR+4.25
5.4 Laghu Udhyam Karja BR+2.00 to BR+5.00
5.5 Anniversary Business Loan BR+1.26 to BR+1.75
5.6 85th Anniversary Business Loan BR+3.50 to BR+4.50

1.6 Deprived Sector Loan

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

1.7 Agriculture Loan

7.1 Agriculture Loan BR+2.00

1.8 Other Loans

8.1 Gold and Silver Loan BR+5
8.2 Loan against first class bank guarantee BR+2.00 to BR+3.00
8.3 Loan against FD receipt Coupon Rate + 2.00
8.4 Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
8.5 Sahuliyatpurna Karja BR+2.00
8.6 Entrepreneurship Term Loan -Lumbini Province As per MOU
8.7 NBL Com. agri. & Livestock Term Loan - Karnali Province BR+2.00
8.8 NBL Com. agri. & Livestock WC - Karnali Province BR+2.00
8.9 NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province BR+3.00

1.9 Retail Loans

9.1 Auto Loan
9.1.1 Private vehicle 5 years term BR+3.00 to BR+4.50
9.1.2 Private vehicle 7 years term BR+4.00 to BR+5.00
9.1.4 Commercial vehicle 3-5 years term BR+4.00 to BR+4.50
9.1.3 Private vehicle business use 5 years term BR+4.00 to BR+4.50
9.1.5 Nepalaxmi Auto Loan BR+3.00 to BR+4.50
9.1.6 NBL Professional Auto Loan BR+4.00 to BR+4.50
9.1.7 Electrical Vehicle BR+3.00 to BR+4.00
9.2 Home Loan
9.2.1 5 years term BR+2.00 to BR+2.50
9.2.2 10 years term BR+2.00 to BR+3.50
9.2.3 15 years and above term BR+3.50 to BR+4.00
9.2.4 Professional Home Loan BR+2.50 to BR+3.50
9.2.5 Nepalaxmi Home Loan BR+2.50 to BR+3.50
9.3 Shulav Aawas Karja
9.3.1 5 years term BR+1.00 to BR+1.50
9.3.2 10 years term BR+1.25 to BR+1.75
9.3.3 15 years term BR+1.50 to BR+2.00
9.3.4 20 years term BR+2.00 to BR+2.50
9.4 Personal Term Loan
9.4.1 5 years term BR+3.00 to BR+4.00
9.4.2 10 years term BR+3.50 to BR+4.50
9.4.3 15 years and above term BR+4.50 to BR+5.50
9.5 Personal Overdraft
9.5.1 POD - Professional BR+4.00 to BR+5.50
9.5.2 POD - Others BR+4.50 to BR+6.00
9.6 NBL Professional Loan
9.7 Education Loan
9.7.1 10 years term BR+3.0 to BR+4.0
9.8 Margin Lending BR+4.05 to BR+5.05
9.9 NBL Flexi Loan
9.10 Sewagrahi Karja BR+upto5.00
9.11 Ghaderi Karja BR+4.50
9.6.1 Overdraft BR+4.00 to BR+5.50
9.6.2 Term Loan BR+4.00 to BR+5.00
9.12 NBL Pensioner Loan BR+2.50 to BR+3.50
9.9.1 Flexi Term Loan BR+4.00 to BR+5.50
9.9.2 Flexi Overdraft BR+4.00 to BR+6.00
2. Average Base Rate (BR) of the Quarter Ending Ashadh 2079 : 7.99
S.No. Loan Heading Rate Per Annum
3. Spread Rate of Ashaadh 2079: 4.08
S.No. Loan Heading Rate Per Annum