Saturday October 21,2017

Interest Rate

LOAN

Premium Over base rate
Interest Rates (% per annum)

A. BUSINESS LOANS  
1. Deprived Sector  
     Institutional Prime 3.00-5.00
     Institutional Others 3.00-5.00
     Others (Direct Lending) 3.50-5.50
2. Export Finance  
     Prime 2.50-4.50
     Others 4.00-6.00
3. Term Loan  
     Multinational 3.75-6.00
     Prime 3.75-6.00
     Others 4.25-6.50
4. Working Capital Loan  
I. Overdraft  
     Multinational 3.50-5.50
     Prime 3.50-5.50
     Others 4.50-6.50
II. TR/Import Loan  
     Multinational 2.50-4.50
     Prime 2.50-4.50
     Others 3.50-5.00
III. Demand Loan  
     Multinational 2.75-4.75
     Prime 3.00-5.00
     Others 3.50-5.50
IV. Short Term Loan (STL)  
     Multinational 2.50-4.50
     Prime 2.50-4.50
     Others 3.50-5.50
V. Structured Time Loan 2.00-4.50
VI. Nabil Easy Loan  
     Term Loan 4.75-6.75
     Overdraft 5.25-7.00
VII. Institutional Auto Finance 3.00-5.00
B. RETAIL LOANS  
1. Housing (Residential)  
     Prime 3.25-5.75
     Others 3.25-6.00
Corporate Employees Loans 0.00-3.00
2. Mortgage  
     Prime 3.50-6.25
    Others (Residential) 3.50-6.50
     Others (commercial) 3.75-6.75
3. Auto  
     Private: Prime 3.50-5.75
     Private: Others 3.50-6.00
     Commercial 4.00-7.00
     Tractor Loan 3.75-5.75
4. Education 4.00-6.00
5. Personal Overdraft 4.50-7.00
6. Supplementary/Other Retail Loan 2.00-4.00
7. Personal Loan 6.00-7.00
C. LOAN AGAINST -  
I. Fixed Deposit (Nabil Bank) upto 3*
II. Fixed Deposit (Other Banks) upto 3*
III. 1st Class Bank Guarantee 2.00-4.00
IV. Other Bank Guarantee 2.50-4.50
V. Govt. Securities 2.50-4.50
VI. LCY Loan Against FCY Deposit 2.00-4.00
VII. Loan Against Cash Collateral 2.00-5.00
VIII. Loan Against Share 3.50-6.50
D. EQUITY MORTGAGE LOAN 5.50-7.00
E. OTHER LOANS 3.50-7.00
* Base rate or coupon rate whichever is higher plus premium upto 3%  
   
   
Notes:
  • The effective applicable interest rate shall be automatically revised with effect from the 1st day of every quarter based on the change in the previous quarter-end (Bikram Calendar) base rate as published by the Bank periodically.
  • Interest rates on consortium loans shall be as decided by consortium meetings.
  • Penal interest shall be charged at 2% above the agreed premium over base rate on all overdue/expired  loans and loans that do not comply with agreed terms.
  • Watch list acounts shall be charged an additional risk premium of 2%.
  • Agriculture loans to youth shall be charged interest rate as per NRB guidelines.
  • Interest rates on foreign currency loans shall be determined on deal to deal basis as per market movements and/or LIBOR plus premium subject to NRB guidelines as applicable.
  • Call deposit interest rates shall be as per agreement subject to NRB guidelines
  • Interest rates on loans against NRB refinance shall be as per NRB guidelines.
  • Bank reserves right to decide on acceptance of bulk deposit above Nrs. 100 Million.
  • Please contact any of our nearest branches for further details.

 

 
FCY DEPOSITS  
A. Savings Deposit  
     USD Savings - Standard  0.4%
     GBP Savings  0.25%
     AUD Savings  0.5%
     JPY Savings  0.1%
     *EUR accounts  0.0%
     *CHF accounts  0.0%
Notes:
  • Rates on foreign currency call and other accounts shall vary from time to time as per the decision of the Bank or as negotiated with customer depending on market movement.
  • Interest rates on all existing Savings and Call accounts under currencies EURO and Swiss Franc (CHF) will be reduced to Zero effective from 1st May 2016.
Base Rate - Bhadra 2074 LCY Interest Spread - Bhadra 2074
6.89% 4.38%
LCY DEPOSITS % PER ANNUM
A. SAVING DEPOSITS
Bal Bachat  3.00
Student Savings  3.00
Jestha Bachat  3.00
Lok Bachat  3.00
Nari Bachat  3.00
General Savings  3.00
Remittance Savings  3.00
Share Khata  3.00
Corporate Staff Savings  3.25
Salary Savings  3.75
Bachat Yojana  4.00
Super Savings  4.50
Employee Savings  4.50
B. FIXED
- 1 Month  1.50
- 3 Months  3.00
- 6 Months  
     Institutional  4.50
     Personal  6.00
- 1 year  
     Institutional 6.50
     Personal 7.50
- Above 1 year to 2 years  
     Institutional 7.00
     Personal 8.00
- Above 2 years to 5 years  
Institutional 6.50
Personal 7.50
- Above 5 years or Akshyaya kosh  Negotiable