Nepal Bank Limited – Rate of Interest

July 29, 2020 | 152 views | N/A

NOTICE OVERVIEW

Siddhartha Bank

Rate of Interest

Effective From 14 Shrawan 2077

Interest Rate on Deposits

S.N. Deposit Types Rate Per Annum % Minimum

Balance

l Saving Deposit   in NPR
1.1 Normal Saving 3 500
1.2 NBL Diamond Saving 4 500
1.3 Women Special Saving 4 500
1.4 Yuva Bachat Khata 4 0
1.5 Santati Saving 4 0
1.6 NBL Staff Pension Saving 4 0
1.7 Remittance saving 4 0
1.8 Investor’s Saving 4 0
1.9 Senior Citizens Special Saving 4 500
1.1 Professional’s Saving 4 500
1.11 Social Security Saving 4 0
1.12 Pension Payment Saving 5 0
1.13 NBL Special Saving 5 50,000
1.14 Earthquake Relief Saving 5 0
1.15 TU Pension Saving 5 0
1.16 NBL Staff Salary Saving 5 0
1.17 Salary Saving 5 0
1.18 Nari Samman Bachat Khata 5 10,000
1.19 Sambandha Bachat Khata 5 0
1.2 Nagarik Bachat Khata 5 10,000
1.21 Sambriddha Nepal Abhiyan Bachat Khata 5 0
1.22 Green Saving Account 5 25,000
1.23 Chhori (Beti) Kalyau Bachat Khata 5 5000
1.24 Chhori Surakshya Bachat Khata (Kamali) 5 0
2 Fixed Deposit    
2.1 3 Month   25,000
  Individual 7.25  
  Institution 6.5  
  Institution (Renewal Only) 6.6  
2.2 Above 3 Months upto 5 years   25,000
  Individual 7.25  
  Institution 6.5  
  Institution (Renewal Only) 6.6  
3 Employee Welfare Account 5  
4 Akchhaya Kosh 6.5  
5 NBL Trust Fund 7.25  
6 Normal Call Deposit 2 100,000
7 FCY Saving Deposit    
7.1 USD 2 USD 100
7.2 EURO 0 EURO 100
7.3 GBP 0.4 GBP 100
8 FCY Call Deposit    
8.1 USD 0.75 USD 100
9 FCY Fixed Deposit    
9.1 USD Negotiable USD500

Interest Rate on Loan and Advances

S.No Loan Types Premium Rate (%) per annum over Base rate(BR)
1 Gold and silver loan 4.16
2 Export Finance in NPR 0.10 to 0.21
3 Pre/Post shipment in USD One year LIBOR +1.25%
4 Trust Receipt  
4.1 Trust Receipt (NPR) 0.10 to 1.80
4.2 Trust Receipt (USD) Six Month LIBOR +1.25%
5 Term Loan  
5.1 Industrial/ Commercial 1.19 to 3.16
5.2 Real Estate-Housing Plan 3.19 to 3.80
5.3 Real Estate-Commercial Complex 2.19 to 2.80

 

6 Working Capital  
6.1 Hypothecation 0.69 to 3.66
6.2 Overdraft 0.69 to 3.66
6.3 Pledge loan 0.69 to 3.66
6.4 Demand 0.69 to 3.66
6.5 Mortgaged Loan  
6.5.1 Mortgage Working Capital loan 1.55 to 4.66
6.5.2 Mortgage Term loan 1.55 to 4.66
6.6 Sajilo Byabasaya Karja 3.19
6.7 Sambriddha Byabasaya Karja 2.00 to 3.66
6.8 Laghu Udhyam Karja 2.00
7 Deprived sector loan  
7.1 Individual 1.55 to 2.16
7.2 Institutional (Wholesale)- Revolving 0.19 to 1.30
7.3 Institutional (Wholesale)- Term loan 0.19 to 1.30
7.4 Institutional (Retail)- Revolving 1.19 to 1.80
7.5 Institutional (Retail) -Term Loan 1.19 to 1.80
8 Agriculture Loan 2.00
9 Other Loan  
9.1 Loan against first class bank guarantee 1.55 to 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 Gxed deposit, whichever is higher
9.4 Hire Purchase loan 3.55 to 4.16
9.5 Sahuliyatpurna Karja 2.00
10 Interest on consumer loans  
10.1 Auto Loan  
10.1.1 Private Vehicle 5 years term 2.55 to 3.16
10.1.2 Private Vehicle 7 years term 3.55 to 4.16
10.1.3 Private vehicle business use 5 years term 3.55 to 4.16
10.1.4 Commercial vehicle 3-5 years term 3.55 to 4.16
10.1.5 Auto loan (Nepalaxmi) 1.55 to 2.16
10.1.6 Professional Auto Loan 1.55 to 2.16
10.1.7 Auto Loan (Electrical Vehicle) 2.01 to 4.16
10.2 Home Loan  
10.2.1 5 years term 1.55 to 2.16
10.2.2 10 years term 2.19 to 2.80
10.2.3 15 years and above term 3.05 to 3.66
10.2.4 Professional Home Loan 1.55 to 2.16
10.2.5 Home Loan (Nepalaxmi) 1.55 to 2.16
103 Shulav Aawas Karja  
10.3.1 5 years term 1.00
10.3.2 10 years term 1.25
10.3.3 15 years term 1.50
10.3.4 20 years term 2.00
10.4 Personal Term Loan  
10.4.1 5 years term 2.55 to 3.66
10.4.2 10 years term 3.05 to 4.16
10.4.3 15 years and above term 3.55 to 4.33
10.5 Personal Overdraft  
10.5.1 POD-Professional 3.55 to 4.16
10.5.2 POD-Others 4.05 to 4.66
10.6 NBL Professional Loan  
10.6.1 Overdraft 3.19 to 4.16
10.6.2 Term Loan 1.69 to 2.66
10.7 Education Loan  
10.7.1 5 years term 1.05 to 1.66
10.7.2 10 years term 1.55 to 2.16
10.8 Margin Lending 2.05 to 5.02
10.9 NBL Flexi Loan  
10.8.1 Flexi Term Loan 3.05 to 3.66
10.8.2 Flexi Overdraft 3.05 to 4.16
10.1 Sewagrahi Karja upto 5.00
10.2 Ghaderi Karja 3.00

Base Rate (BR) as of Ashad end 2077 : 6.99

  • Lending rates shall be changed with the changes in Base Rate on quarterly basis.
  • Rate on Consortium financing shall be as decided by consortium meetings.
  • Penal interest 2% p.a. shall be applied on overdue amount expired loan.
  • Risk premium upto+ 2.0% p.a. may be charged for watch-list clients.

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