Interest Rate

Interest Rates*  
Effective from November 12, 2017   
Types of Deposit per annum (%)  
NPR Saving Normal Saving 5.00  
Royal Saving** 5.00  
Pewa Bachat Yojana 5.00  
Yuba Bachat Khata 5.00  
Shareholders Saving 5.00  
Samman Bachat Khata 5.00  
Uchcha Sikchha Nikchhep Yojana 5.00  
Mach 7 Deposit** 5.00  
BalBalika Bachat Khata 5.00  
Remittance Bachat Khata 5.00  
NRN Saving Deposit 5.00  
MBL Premium Saving 5.00  
Salary Scheme Salary Management Account 5.00  
  Special Salary Management Scheme 6.00  
FCY Saving US Dollar Saving 1.50  
Euro Saving 0.50  
GBP Saving 1.00  
NRN Saving Deposit-USD 2.00  
Fixed Deposit Tenure Individual/NRN  
3 month 8.00  
Above 3 months to 6 months 8.50  
Above 6 months to 1 year 9.00  
Above 1 year 8.50  
Tenure Institutional  
  Prime Others
3 month 6.00 6.50
Above 3 months to 6 months 6.50 7.00
Above 6 months to 1 year 7.50 8.00
Above 1 year 6.50 7.50
           
Types of Loan & Advances Per Annum            
Working Capital Loan  Base Rate + upto 6.00%            
(Overdraft/Short Term, Demand Loan/Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan)            
Term Loan/Bridge Gap Loan            
Subject to Internal Loan Category (Corporate, Prime Mid-Size, and SME Lending).            
Retail/Consumer Lending               
Home Loan Base Rate + upto 6.00%            
Hire Purchase Loan/Auto Loan-Private Base Rate + upto 6.00%            
Hire Purchase Loan-Commercial Base Rate + upto 6.00%            
Mortgage Loan Base Rate + upto 7.00%            
Mortgage Plus Loan Base Rate + upto 7.00%            
Salary Package Loan Base Rate + upto 5.00%            
Privilege Loan Base Rate + upto 6.00%            
Education Loan Base Rate + upto 7.00%            
Loan against Fixed Deposit Receipt (Own) for New +2.00% on coupon on FDR rate or plus 1.00% on base rate, whichever is higher            
Loan against Shares (Margin Lending) Base Rate + upto 6.00%            
Loan against Gold Base Rate + upto 7.00%            
Loan against Bonds  plus 3.00% on Coupon rate or plus 1.00% on base rate, whichever is higher            
Loan against 1st Class Bank Guarantee Base Rate + upto 5.00%            
Loan against FCY Deposit Base Rate + upto 5.00%            
Other Personal Loan Base Rate + upto 7.00%            
Deprived Sector Lending               
Indirect Lending (Wholesale or Institutional) Base Rate + upto 2.00%            
Direct Lending Base Rate + upto 5.00%            
Yuba Tatha Sana Byabasai Swarojgar Kosh As per the Agreement            
Loans under Consortium Financing  As per the Consortium Agreement             
Yuba Tatha Sana Byabasi Karja providing  under  NRB Norms As per NRB Norms            
Home Loan for Earthquake Victims under NRB Refinancing  As per NRB Norms.            
Penal Interest on past due loans & expired loan Plus 2% on Applicable Rate (Base Rate + Applied Premium rate )            
USD Denominated Loan   LIBOR + 2.00% to 4.00%            
Base Rate - 10.48% ( as of Ashwin End 2074)
 
           
*Rates are indicative only              
** No new account shall be opended in this category              
Note:
  • The effective applicable interest rate shall be automatically revised with effect from 1st day of every quarter based on change in previous quarter end(Bikram Calender) base rate published by Bank periodically.
  • Premium Rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, Internal Credit Risk Rating Assesment etc.
  • Call deposit interest rate shall be as per agreement subject to NRB guidelines
  • Interest rate on loans against NRB refinance shall be as per NRB guidelines.