Effective from 18 October, 2025
| Credit Facilities | Premium Rate (% p.a) on Base Rate |
|---|---|
| Corporate/Infrastructure/BG | Up to 2.00% |
| (Cash Credit/Overdraft/Demand Loan/Short-Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan/Bridge Gap Loan/Term Loan/Retail Loan under group) | |
| MSB | |
| (Cash Credit/Overdraft/Demand Loan/Short-Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan/Bridge Gap Loan/Term Loan/Retail Loan under group) | 0.50% - 2.50% |
| SME | |
| (Cash Credit/Overdraft/Demand Loan/Short-Demand Loan/Trust Receipt/Pledge Loan/Packing Credit Loan/Bridge Gap Loan/Term Loan/Retail Loan under group) | 1.00% - 3.00% |
| ESME | |
| (Cash Credit/Overdraft/Demand Loan/Short-Demand Loan/Pledge Loan/Term Loan/Retail Loan under group) | 1.00% - 3.00% |
| Home Loan | |
| Home Loan (up to 20 million) | 0.50% - 2.50% |
| Home Loan (Above 20 Million) | 1.00% - 3.00% |
| Auto Loan | |
| Auto Loan-Specific | 0.50% - 2.50% |
| Auto Loan-Normal | 1.00% - 3.00% |
| Commercial Vehicle Loan (HP) | |
| Commercial Vehicle Loan (HP)-Specific | 0.50% - 2.50% |
| Commercial Vehicle Loan (HP)-Normal | 2.00% - 4.00% |
| Mortgage Loan | |
| Mortgage Term Loan | 1.00% - 3.00% |
| Mortgage Overdraft Loan | 1.00% - 3.00% |
| Salary Package Loan | |
| Salary Package Loan-Specific | 0.00% - 2.00% |
| Salary Package Loan-Normal | 2.00% - 4.00% |
| MBL Professional Loan | |
| Professional Loan-Specific | 1.00% - 3.00% |
| Professional Loan-Normal | 2.00% - 4.00% |
| Privilege Loan | |
| Privilege Loan-Specific | 0.00% - 2.00% |
| Privilege Loan-Normal | 2.00% - 4.00% |
| Education Loan | 1.00% - 3.00% |
| Fone Loan | 15.00% |
| Loan against Fixed Deposit Receipt (Own) for New | Coupon rate on FDR plus up to 2% premium or Base Rate whichever is higher |
| Loan Against Shares (Margin Lending) | 0.50% - 2.50% |
| Loan Against Gold | 2.00% - 4.00% |
| Loan against Government Securities/Bonds | 0.00% - 2.00% |
| Loan against 1st Class Bank Guarantee | 0.00% - 2.00% |
| Loan against FCY Deposit | 0.00% - 2.00% |
| Forced Loan | Plus 4% |
| Deprived Sector Lending | |
| Indirect Lending (Wholesale or institutonal) | |
| Deprived Sector Loan (Qualifying) | 0.00% - 2.00% |
| Direct Lending (Others) | |
| NRB Directed Sectors | Up to 2.00% |
| Others | 2.00% - 4.00% |
| MBL Subsidized Loan | 2.00% |
| Yuba Tatha Sana Byabasai Swarojgar Kosh | As per agreement |
| Loans under Consortium Financing | As per the Consortium Agreement |
| MBL Commercial Agriculture and Livestock Loan | 0.00% - 2.00% |
| Home Loan for Earthquake Victims under NRB Refinancing | As per the NRB Norms |
| BLB Agent Overdraft Loan | 0.00% - 2.00% |
| Penal Interest on past due loans & expired loan | Plus 2.00% |
| FCY Demominated Loan | |
| USD Trust Receipt Loan | Negotiable |
| Fixed Interest Rate Loan for Individuals | Up to 5 years | 5 years to 10 years | Above 10 years |
| Home Loan | 9.50% | 10.50% | 11.50% |
| Auto Loan/HP Loan | 9.50% | 10.50% | - |
| Other Retails Loan | 10.00% | 11.00% | 11.50% |
- Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, internal Credit Risk Ratng Assessment etc.
- Interest Rates on loans against NRB Refinance shall be as per the NRB guidelines.
- Institutional Bidding rate will be as per NRB guidelines for both LCY & FCY.
- Interest payment will be done on quaterly basis in deposit products.
- Interest will be due for payment on quarterly/monthly basis based on the nature of the loan.
- While determining interest rate of loans, Clause 3(7) of E.Pra. Nirdeshan 15 shall be adhered.
For previous rate changes, please visit https://www.machbank.com/notice (Select Interest Rate in 'Category' and Interest Rate Change in 'Sub-Categories')
