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Interest Rate

Effective From Baishakh 01, 2078 (April 14, 2021)

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

1.1 Saving Deposit

1. Normal Saving 500.00 2.50%
2. NBL Diamond Saving 500.00 3.00%
3. Women Special Saving 500.00 3.00%
4. Yuva Bachat Khata 0.00 3.00%
5. Santati Saving Account 0.00 3.00%
6. NBL Staff Pension Saving 0.00 4.00%
7. Remittance Saving Account 0.00 3.00%
8. Investor's Saving Account 0.00 3.00%
9. Senior Citizens Special Saving 500.00 3.00%
10. Professional's Saving 500.00 3.00%
11. Social Security Saving Account 0.00 3.00%
12. Pension Payment Saving Account 0.00 4.00%
13. NBL Special Saving 50000.00 4.00%
14. Earthquake Relief Saving 0.00 4.00%
15. TU Pension Saving 0.00 4.00%
16. NBL Staff Salary Saving 0.00 4.00%
17. Salary Saving Account 0.00 4.00%
18. Nari Samman Bachat Khata 10000.00 4.00%
19. Sambandha Bachat Khata 0.00 4.00%
20. Nagarik Batchat Khata 1000.00 4.00%
21. Samriddha Nepal Abhiyan Bachat Khata 0.00 4.00%
22. Green Saving Deposit 1000.00 4.00%
23. Chhori (Beti) Kalyan Bachat Khata 5000.00 4.00%
24. Chhori Surakshya Bachat Khata 0.00 4.00%
25. Balbalika Bachat Khata 0.00 4.00%

1.2 FCY Saving Deposit

1. USD 100.00 2.00%
2. EURO 100.00 0.00%
3. GBP 100.00 0.40%

1.3 Fixed Deposit

1. 3 Months (Individual) 25000.00 5.5
3 Months (Institutional) 25000.00 5.50%
3 Months (Institutional)-Renewal 25000.00 5.60%
2. Above 3 Months upto 6 Months (Individual) 25000.00 6.00%
Above 3 Months upto 6 Months (Institutional) 25000.00 6.00%
Above 3 Months upto 6 Months(Institutional)-Renewal 25000.00 6.10%
3. Above 6 Months upto 1 Year (Individual) 25000.00 7.00%
Above 6 Months upto 1 Year (Institutional) 25000.00 7.00%
Above 6 Months upto 1 Year (Institutional)-Renewal 25000.00 7.10%
4. Above 1 Year upto 10 Years (Individual) 25000.00 7.00%
Above 1 Year upto 10 Years (Institutional) 25000.00 7.00%
Above 1 Year upto 10 Years (Institutional)-Renewal 25000.00 7.10%

1.4 FCY Fixed Deposit

1 USD 500.00 Negotiable

1.6 Employee Welfare Account

1 Employee Welfare Account 0.00 4.00%

1.8 Akchaya Kosh

1 Akchaya Kosh 25000.00 7.00%

1.9 NBL Trust Fund

1 NBL Trust Fund 0.00 7.00%

1.10 Call Deposits

1 Normal Call Deposits 100000.00 1.25%

1.11 FCY Call Deposits

1 USD 100.00 0.75%
1. Interest Rate on Loans & Advances (Floating Rate)
S.No. Loan Heading Rate Per Annum

1.1 Export Finance

1.1 Export Finance in Domestic Currency BR+0.10 to BR+0.21
1.2 Post Shipment & Pre-Shipment (in USD) One Year LIBOR Rate + 2.69%

1.2 Trust Receipt

2.1 Trust Receipt (NPR) BR+1.19 to BR+1.80
2.2 Trust Receipt (USD) Six Month LIBOR Rate + 2.69%

1.3 Term Loan

3.1 Industrial/Commercial BR+2.55 to BR+3.16
3.2 Real Estate - Housing Plan BR+3.19 to BR+3.80
3.3 Real Estate - Commercial Complex BR+2.19 to BR+2.80

1.4 Working Capital Loans

4.1 Hypothecation BR+3.05 to BR+3.66
4.2 Overdraft BR+3.05 to BR+3.66
4.3 Pledge loan BR+3.05 to BR+3.66
4.4 Demand BR+3.05 to BR+3.66
4.5 Mortgage Loan
4.5.1 Mortgage Working Capital Loan BR+3.05 to BR+4.66
4.5.2 Mortgage Term Loan BR+3.05 to BR+4.66
4.6 Sajilo Byabasaya Karja BR+3.19
4.7 Sambriddha Byabasaya Karja BR+2.00 to BR+3.66
4.8 Laghu Udhyam Karja BR+2.00
4.9 Anniversary Business Loan 6.99% or BR+0.18 whichever is higher

1.5 Deprived Sector Loan

5.1 Individual BR+1.55 to BR+2.16
5.2 Institutional (Wholesale) - Revolving BR+0.19 to BR+1.30
5.3 Institutional (Wholesale) - Term loan BR+0.19 to BR+1.30
5.4 Institutional (Retail) - Revolving BR+1.19 to BR+1.80
5.5 Institutional (Retail) -Term Loan BR+1.19 to BR+1.80

1.6 Agriculture Loan

6.1 Agriculture Loan BR+2.00

1.7 Other Loans

7.1 Gold and Silver Loan BR+4.16
7.2 Loan against first class bank guarantee BR+1.55 to BR+2.16
7.3 Loan against FD receipt Coupon Rate + 2.00
7.4 Loan against Govt. Securities Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher
7.5 Hire Purchase loan BR+2.55 to BR+4.16
7.6 Sahuliyatpurna Karja BR+2.00
7.7 Entrepreneurship Term Loan -Lumbini Province 7.75% (Fixed Rate for 3 Years)
7.8 NBL Com. agri. & Livestock Term Loan - Karnali Province BR+2.00
7.9 NBL Com. agri. & Livestock WC - Karnali Province BR+2.00
7.10 NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province BR+3.00

1.8 Retail Loans

8.1 Auto Loan
8.1.1 Private vehicle 5 years term BR+2.55 to BR+3.16
8.1.2 Private vehicle 7 years term BR+3.55 to BR+4.16
8.1.3 Private vehicle business use 5 years term BR+2.55 to BR+4.16
8.1.4 Commercial vehicle 3-5 years term BR+3.55 to BR+4.16
8.1.5 Nepalaxmi Auto Loan BR+1.55 to BR+2.16
8.1.6 NBL Professional Auto Loan BR+1.55 to BR+2.16
8.1.7 Electrical Vehicle BR+2.01 to BR+4.16
8.2 Home Loan
8.2.1 5 years term BR+1.55 to BR+2.16
8.2.2 10 years term BR+2.19 to BR+2.80
8.2.3 15 years and above term BR+3.05 to BR+3.66
8.5.2 POD - Others BR+4.05 to BR+4.66
8.2.4 Professional Home Loan BR+1.55 to BR+2.16
8.2.5 Nepalaxmi Home Loan BR+1.55 to BR+2.16
8.3 Shulav Aawas Karja
8.3.1 5 years term BR+1.00
8.3.2 10 years term BR+1.25
8.3.3 15 years term BR+1.50
8.3.4 20 years term BR+2.00
8.4 Personal Term Loan
8.4.1 5 years term BR+2.55 to BR+3.66
8.4.2 10 years term BR+3.05 to BR+4.16
8.4.3 15 years and above term BR+3.55 to BR+4.33
8.5 Personal Overdraft
8.5.1 POD - Professional BR+3.55 to BR+4.16
8.6 NBL Professional Loan
8.6.1 Overdraft BR+3.19 to BR+4.16
8.6.2 Term Loan BR+1.69 to BR+2.66
8.7 Education Loan
8.7.1 5 years term BR+1.05 to BR+1.66
8.7.2 10 years term BR+1.55 to BR+2.16
8.8 Margin Lending
8.8.1 Up to 5 Million BR+4.05 to BR+5.02
8.8.2 5 Million above up to 50 Million BR+3.55 to BR+4.52
8.8.3 50 Million above up to 100 Million BR+3.05 to BR+4.02
8.8.4 100 Million above BR+2.05 to BR+3.02
8.9 NBL Flexi Loan
8.9.1 Flexi Term Loan BR+3.05 to BR+3.66
8.9.2 Flexi Overdraft BR+3.05 to BR+4.16
8.11 Ghaderi Karja BR+3.00
8.12 NBL Pensioner Loan BR+2.00
8.10 Sewagrahi Karja BR+upto5.00
2. Interest Rate on Retail Term Loans (Fixed Rate)
S.No. Loan Heading Rate Per Annum

2.1 Home Loan

5 Years 9.85 %
7 Years -
10 Years 11.49 %
Above 10 Years 12.49 %

2.2 Nepalaxmi/Professional Home Loan

5 Years 9.85 %
7 Years -
10 Years 10.85 %
Above 10 Years 11.85 %

2.3 Shulav Aawas Karja Loan

5 Years 9.49 %
7 Years -
10 Years 10.74 %
Above 10 Years 11.99 %

2.4 Auto Loan

5 Years 10.85 %
7 Years 12.85 %
10 Years -
Above 10 Years -

2.5 Nepalaxmi/Professional Auto Loan

5 Years 10.85 %
7 Years 10.85%
10 Years -
Above 10 Years -

2.6 Electrical Vehicle Loan

5 Years 11.08 %
7 Years -
10 Years -
Above 10 Years -

2.7 Personal Term Loan

5 Years 11.10
7 Years -
10 Years 12.60
Above 10 Years 13.93

2.8 NBL Professional Term Loan

5 Years 10.17
7 Years -
10 Years 11.17
Above 10 Years 12.17

2.9 NBL Flexi Loan

5 Years 11.35
7 Years -
10 Years 12.35
Above 10 Years 13.35

2.10 Education Loan

5 Years 9.35
7 Years -
10 Years 10.85
Above 10 Years -

2.11 Sewagrahi Karja

5 Years upto 12.99
7 Years -
10 Years -
Above 10 Years -

2.12 Ghaderi Karja

5 Years 10.99
7 Years -
10 Years 11.99
Above 10 Years 12.99
3. Base Rate (BR) as of Chaitra End 2077: 5.98
S.No. Loan Heading Rate Per Annum