Nepal Bank Limited – Rate of Interest
July 29, 2020 | 565 views | N/A
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.
