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Machhapuchchhre Bank Limited

Loan Interest Rate

Effective from October 17, 2020
Credit Facilities *Premium Rate  (% per annum)

Working Capital Loan
(Overdraft/Demand Loan/Short Term-Demand Loan/Trust Receipt/

Pledge Loan/Packing Credit Loan)

Term Loan/Bridge Gap Loan
Subject to Internal Loan Category (Corporate, Mid-Corporate,

Prime/MSB, SME, ESME Lending)

Base Rate Plus upto 5.00%
Retail/Consumer Lending
Home Loan Base Rate plus upto 5.00%
Auto Loan plus upto 5.00%
Commercial Vehicle Loan (HP) plus upto 5.00%
Mortgage Loan plus upto 5.00%
Mortgage Plus Loan plus upto 5.00%
Salary Package Loan plus upto 5.00%
Privilege Loan plus upto 5.00%
Education Loan plus upto 5.00%
MBL Professional Loan plus upto 5.00%
Loan against Fixed Deposit Receipt (Own) for New

plus 2.50% on coupon on FDR rate or  plus 2.00% on base rate, whichever is higher

Loan Against Shares (Margin Lending) plus upto 5.00%
Loan Against Gold plus upto 5.00%
Loan against Government Securities/Bonds

plus 3.00% on coupon rate or  plus 1.00% on base rate, whichever is higher 

Loan against 1st Class Bank Guarantee plus upto 5.00%
Loan against FCY Deposit plus upto 5.00%
Forced Loan base rate + Highest Premium Rate + Penal 2.00%
Deprived Sector Lending
Indirect Lending (Wholesale or Institutional) Base Rate plus upto 2.50%
Direct Lending (All Type) plus upto 5.00%
Yuba Tatha Sana Byabasai Swarojgar Kosh   As per the Agreement
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 )

BLB Agent Overdraft Loan   As per the Agreement
FCY Denominated Loan    
USD Trust Receipt Loan   Daily FCY Cost of Deposit + upto 2%
Fixed Interest Rate Loan (For Individual) Up to 5 years 5 years to 10 years Above 10 years
Home Loan 9.89% 10.89% 11.89%
Auto Loan/HP Loan 9.99% 10.99% -
Other Retail Loan 10.24% 11.24% 12.24%
Base Rate of Ashwin End 2077   8.31%
Spread Rate of Bhadra End 2077   4.38%
 

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