Interest Rate

Interest Rates*  
Effective from April 16, 2018  
Types of Deposit  per annum (%)  
NPR SAVING Normal Saving 4.00  
Royal Saving** 4.00  
Pewa Bachat Yojana 4.00  
Yuba Bachat Khata 4.00  
Smart Bachat Khata 6.00  
Shareholders Saving 4.50  
Samman Bachat Khata 4.50  
Uchcha Sikchha Nikchhep Yojana 4.00  
Mach 7 Deposit** 4.00  
BalBalika Bachat Khata 4.00  
Remittance Bachat Khata 4.00  
NRN Saving Deposit 4.00  
MBL Premium Saving 5.00  
Salary Scheme Salary Management Account 4.50  
  Special Salary Management Scheme 6.00  
FCY SAVING US Dollar Saving 1.50  
Euro Saving 0.50  
GBP Saving 1.00  
NRN Saving Deposit-USD 2.00  
FIXED DEPOSITS Tenure Individual/NRN  
Upto 3 months 11.00  
Above 3 months to 6 months 11.00  
Above 6 months to 9 months 11.00  
Above 9 months to 1 year 11.00  
Above 1 year to 5 years 11.00  
Tenure Institutional  
  Prime Others
Below 3 months 6.00 6.00
3 month 10.50 10.50
Above 3 months to 6 months 10.50 10.50
Above 6 months to 1 year 10.50 10.50
Above 1 year 9.50 9.50
Types of Loan and Advances Base Rate *Premium Rate 
(% per annum)
Working Capital Loan
(Overdraft/Short Term, Demand Loan/Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan)

Term Loan/Bridge Gap Loan
Subject to Internal Loan Category (Corporate, Prime Mid-Size, and SME Lending).
Base Rate Plus upto 6.00%
Retail/Consumer Lending    
Home Loan Base Rate plus upto 6.00%
Hire Purchase Loan/ Auto Loan-Private plus upto 6.00%
Hire Purchase Loan-Commercial plus upto 6.00%
Mortgage Plus Loan plus upto 7.00%
Mortgage Loan plus upto 7.00%
Salary Package Loan plus upto 5.00%
Privilege Loan plus upto 6.00%
Education Loan plus upto 7.00%
Loan against Fixed Deposit Receipt (Own) for New plus 2.00% on coupon on FDR rate or  plus 1.00% on base rate, whichever is higher
Loan Against Shares (Margin Lending) plus upto 6.00%
Loan Against Gold plus upto 7.00%
Loan against Bonds for New plus 3.00% on coupon rate or  plus 1.00% on base rate, whichever is higher 
Loan against 1st Class Bank Guarantee plus upto 6.00%
Loan against FCY Deposit plus upto 6.00%
Other Personal Loan plus upto 8.00%
Deprived Sector Lending    
Indirect Lending (Wholesale or Institutional) Base Rate plus upto 2.00%
Yuba Tatha Sana Byabasai Swarojgar Kosh As per the Agreement
Direct Lending plus upto 5.00%
Loans under Consortium Financing  As per the Consortium Agreement 
Yuba Tatha Sana Byabasi Karja providing  under  NRB Norms As per NRB Norms
Home Loan for Earthquake Victims under NRB Refinancing  As per NRB Norms.
Penal Interest on past due loans & expired loan Plus 2% on Applicable Rate (Base Rate + Applied Premium rate )
USD Denominated Loan LIBOR +2.00% to 4.00%
Base rate 11.10%
* Rates are indicative only.    
** No new accounts shall be opened under this category.    
1. 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 Calender Base)
2. Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, Internal Credit Risk Rating Assessment etc.
3. Call deposit interest rates shall be as per agreement subject to NRB guidelines.  
4. Interest Rates on loans against NRB refinance shall be as per NRB guidelines.