Thursday June 22,2017

Interest Rate

DEPOSITS % PER ANNUM
A. SAVING DEPOSITS
Bal Bachat 3.50
Student Savings 3.50
Jestha Bachat 3.50
Lok Bachat 3.50
Nari Bachat 3.50
General Savings 3.50
Remittance Savings 3.50
Share Khata 3.50
Corporate Staff Savings 3.75
Salary Savings 4.25
Bachat Yojana 4.50
Super Savings 5.00
Employee Savings 5.00
B. FIXED
- 1 Month 4.50
- 3 Months 6.00
- 6 Months  
     Institutional 7.50
     Personal 8.50
- 1 year  
     Institutional 9.50
     Personal 10.00
- Above 1 year  
     Institutional 10.00
     Personal 10.50
LOAN % PER ANNUM
A. BUSINESS LOANS
1. Deprived Sector
     Institutional Prime 7.50-9.50
     Institutional Others 9.50 - 11.00
     Others (Direct Lending) 10.00 - 12.00
2. Export Finance
     Prime 8.50-9.50
     Others 10.50-12.00
3. Term Loan
     Multinational 9.50 - 10.50
     Prime 10.00 - 11.50
     Others 11.00 - 12.00
4. Working Capital Loan
I. Overdraft
     Multinational 10.00 - 11.00
     Prime 10.00 - 11.50
     Others 11.50 - 12.00
II. TR/Import Loan
     Multinational 9.00 - 10.50
     Prime 9.00 - 10.50
     Others 10.50 - 12.00
III. Demand Loan
     Multinational 9.50 - 10.50
     Prime 9.50 - 10.50
     Others 10.50 - 12.00
IV. Short Term Loan (STL)
     Multinational 9.00 -10.50
     Prime 9.00 -10.50
     Others 10.50 - 12.00
V. Structured Time Loan 8.50-10.00
VI. Nabil Easy Loan
     Term Loan 10.00-10.50
     Overdraft 10.50-12.00
B. RETAIL LOANS
1. Housing
     Prime 9.99 - 11.99
     Others 10.99 - 11.99
2. Mortgage
     Prime 10.99 - 11.49
    Others (Residential) 10.99-11.99
     Others (commercial) 11.49 - 11.99
3. Auto
     Private: Prime 9.99 - 11.99
     Private: Others 10.99 - 11.99
     Commercial 10.99 - 11.99
     Tractor Loan 10.99 - 11.49
4. Education 10.99- 11.99
5. Personal Overdraft 10.99 - 11.99
6. Supplementary/Other Retail Loan 7.50 - 10.00
C. LOAN AGAINST -
I. Fixed Deposit (Nabil Bank) + upto 3 or 10.00
II. Fixed Deposit (Other Banks) + upto 3 or 12.00
III. 1st Class Bank Guarantee 8.50 - 9.50
IV. Other Bank Guarantee 10:00 - 11.00
V. Govt. Securities 8.00 - 9.50
VI. LCY Loan Against FCY Deposit 8.00 - 9.50
VII. Loan Against Cash Collateral +upto 3
VIII. Loan Against Share 10.49 - 11.99
D. EQUITY MORTGAGE LOAN 10.49 - 11.99
E. OTHER LOANS 11.00 - 12.00
 
Notes:
  • Interest rates and other fees/charges on Consortium Loans shall be as per consortium banks' decision.
  • Interest rate on specified loans directed by NRB (like refinance, Export oriented units in FCY) shall be as per relevant NRB Directives/instructions.
  • Interest rates are indicative and shall be as per contractual arrangements where applicable subject to Nepal Rastra Bank guidelines. 
  • Rates on NPA accounts may vary from published ones.
  • Please visit Bank's nearest branch for more details on specific product features and interest rates.
  • Call deposit rates and rates under competitive bidding shall be negotiable and as agreed with customers. 
  • Terms and Conditions (including Minimum Balance, Interest Rates) for various Savings Deposits and Fixed Deposits will be as per prevailing Bank's Rule and information can be obtained from Bank's branches as well.
  • Interest Rates on Foreign Currency Deposits will align with the prevalent rates in respective currency in international market.
  • Penal Interest at the rate of +2% p.a. on overdue installment/principal and 15% p.a. on interest overdue shall be charged for overdue period.
 
FCY DEPOSITS  % PER ANNUM 
A. Savings Deposit  
     USD Savings 0.40-0.60 
     GBP Savings 0.40
     AUD Savings 0.50
     JPY Savings 0.10
     *EUR accounts 0.00
     *CHF accounts 0.00
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 - Baisakh 2074 LCY Interest Spread - Baisakh 2074
6.27 % 4.95%