Interest Rate

Interest Rates*  
Effective from July 18, 2017   
Types of Deposit  per annum (%)  
NPR SAVING Normal Saving 3.00   
Royal Saving** 3.00   
Pewa Bachat Yojana 3.50   
Yuba Bachat Khata 3.00   
Shareholders Saving 4.50   
Samman Bachat Khata 4.50   
Uchcha Sikchha Nikchhep Yojana 4.50   
Mach 7 Deposit** 3.50   
BalBalika Bachat Khata 4.50   
Remittance Bachat Khata 3.00   
NRN Saving Deposit 4.50   
MBL Premium Saving 5.00   
Salary Scheme Salary Management Account 4.50   
  Special Salary Management Scheme 5.00   
FCY SAVING US Dollar Saving 1.50   
Euro Saving 0.50   
GBP Saving 1.00   
NRN Saving Deposit-USD 2.00   
  Tenure Individual/NRN  
FIXED DEPOSITS 3 Months to 18 months 11.00   
Above 18 months to 24 months 10.00   
Above 24 month 8.00   
Tenure Institutional  
Upto 3 Months 7.00   
Upto 6 Months 8.00   
Upto 9 Months 9.00   
Upto 1 Year 11.00   
Above 1 Year 11.50   
       
Types of Loan and Advances Base Rate *Premium Rate 
(% per annum)
Working Capital Loan
(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).
Base Rate Plus 1.50%  to +7.00%
Retail/Consumer Lending    
Home Loan Base Rate +2.00%  to +7.00%
Hire Purchase Loan/ Auto Loan-Private +2.00%  to +7.00%
Hire Purchase Loan-Commercial +2.00%  to +7.00%
Mortgage Loan +2.50%  to +8.00%
Privilege Loan +0.95%  to +6.00%
Education Loan +4.00%  to +7.00%
Loan against Fixed Deposit Receipt (Own) As per existing Tie up Arrangement 
Loan against Fixed Deposit Receipt (Own) for New plus 2% or  plus 5% on base rate, whichever is higher
Loan Against Shares (Margin Lending) +3.00%  to +7.00%
Loan Against Gold +4.00%  to +7.00%
Loan against Bonds for New plus 3% or  plus 5% on base rate, whichever is higher 
Loan against 1st Class Bank Guarantee +3.00%  to +6.00%
Loan against FCY Deposit +3.00%  to +6.00%
Other Personal Loan +6.00%  to +8.00%
Deprived Sector Lending    
Indirect Lending (Wholesale or Institutional) Base Rate + 5.00% (Upto)
Yuba Tatha Sana Byabasai Swarojgar Kosh As per the Agreement
Direct Lending +2.00%  to +7.00%
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 +2.5% to 5.00%