Sunday December 16,2018

Interest Rate

A. SAVING DEPOSITS % PER ANNUM
Bal Bachat  3.25
Student Savings  3.25
Jestha Bachat  3.25
Lok Bachat  3.25
Nari Bachat  3.25
General Savings  3.25
Remittance Savings  3.25
Share Khata  3.25
Corporate Staff Savings  3.50
Salary Savings  4.00
Bachat Yojana  4.25
Super Savings  4.75
Employee Savings  4.75
B. FIXED
- 1 Month  
   Institutional  4.00
   Special Bulk Deposit (Institutional)(Min. Rs. 100 Million)  6.00
   Personal  6.00
- 3 Months  
   Institutional  6.00
   Special Bulk Deposit (Institutional)(Min. Rs. 100 Million)  7.00
   Premium Bulk Deposit (Institutional) (Min. Rs. 250 million)  8.00
   Personal  7.00
- 6 Months  
     Institutional  9.00
     Special Bulk Deposit (Institutional)(Min. Rs. 100 Million)  9.00
     Personal  9.50
- 1 year  
     Institutional  9.00
     Special Bulk Deposit (Institutional)(Min. Rs. 100 Million)  9.00
     Personal 10.00
     Cumulative Fixed Deposit (CFD) (For Individuals)  8.00
- Above 1 year to 2 years  
     Institutional 9.00
     Special Bulk Deposit (Institutional)(Min. Rs. 100 Million) 9.00
     Personal 10.00
- Above 2 years to 5 years  
     Institutional 9.00
     Special Bulk Deposit (Institutional)(Min. Rs. 100 Million) 9.00
     Personal 10.00
- Above 5 years or Akshyaya Kosh  
     Institutional 9.00
     Personal 10.00
Nabil Choice Fixed Deposit  
- 1 to 10 Years  
     Personal 10.00
LOAN

Premium over Base Rate
(% per annum)

A. BUSINESS LOANS  
1. Deprived/ Productive Sector  
     Institutional Prime 2.75-5.00
     Institutional Others 4.00-6.00
     Others (Direct Lending) 4.50-7.00
     Tourism Sector 2.50-5.50
     Agriculture Loan 2.00-5.00
2. Export Finance  
     Prime 3.00-5.00
     Others 4.50-6.00
3. Term Loan  
     Multinational 3.50-5.50
     Prime 3.50-5.50
     Others 4.75-6.50
4. Working Capital Loan  
I. Overdraft  
     Multinational 4.00-6.00
     Prime 4.00-6.00
     Others 5.50-7.50
II. TR/ Import Loan  
     Multinational 3.00-5.50
     Prime 3.00-5.50
     Others 4.50-6.50
III. Demand Loan  
     Multinational 3.25-5.50
     Prime 3.50-5.50
     Others 4.50-6.50
IV. Short Term Loan (STL)  
     Multinational 3.00-5.00
     Prime 3.00-5.00
     Others 4.50-6.50
V. Structured Short Term/ Time Loan 2.00-6.50
VI. Nabil Easy Loan  
     Term Loan 6.00-7.00
     Overdraft 6.50-7.50
VII. Institutional Auto Finance 3.00-5.00
VIII. SME Fast Track Loan 3.70-6.70
B. RETAIL LOANS  
1. Housing (Residential)  
     Prime 3.00-6.50
     Others 4.50-7.00
     Corporate Employees Loans 0.00-3.00
2. Mortgage  
     Prime 4.00-6.00
     Others (Residential) 4.00-6.50
     Others (Commercial) 5.00-7.00
3. Auto  
     Private: Prime 3.50-6.00
     Private: Others 4.00-6.00
     Commercial 4.25-6.50
     Tractor Loan 5.50-7.50
4. Education 4.00-6.00
5. Personal Overdraft 5.50-7.50
6. Supplementary/ Other Retail Loan 2.00-5.00
7. Personal Loan 4.50-7.50
C. LOAN AGAINST -  
I. Fixed Deposit (Nabil Bank) upto 3.00*
II. Fixed Deposit (Other Banks) upto 3.00*
III. 1st Class Bank Guarantee 3.50-5.00
IV. Other Bank Guarantee 4.00-5.50
V. Govt. Securities 2.50-5.00
VI. LCY Loan Against FCY Deposit 3.00-5.00
VII. Loan Against Cash Collateral 3.00-5.00
VIII. Loan Against Share 5.50-7.50
D. EQUITY MORTGAGE LOAN 5.50-7.50
E. OTHER LOANS 5.50-7.50
* Base rate or coupon rate whichever is higher plus premium upto 3%  

Notes:

  • The Effective applicable interest rate will be Base rate plus premium specified above for particular Loan Product.
  • 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.
  • 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.
  • As agreed upon with the customer or as advised to the customer Call Deposit interest rates shall be customer specific subject to NRB guidelines.
  • 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.
  • Considering negative interest rates under Euro (€) and Swiss Franc (CHF) denominated currency deposits, all existing Savings and Call accounts under currencies EURO and Swiss Franc (CHF) have been revised to Zero effective from 1st May 2016.
Base Rate - Kartik 2075 LCY Interest Spread - Kartik 2075
8.40% 4.99%