Interest Rates

Effective from February 4, 2019

Types of Deposit per annum (%)
Smart Bachat Khata 6.50
Normal Saving 5.00
Royal Saving** 5.00
Pewa Bachat Yojana 5.00
Yuba Bachat Khata 5.00
Shareholders Saving 5.00
Samman Bachat Khata 5.00
Uchcha Sikchha Nikchhep Yojana 5.00
Mach 7 Deposit** 5.00
BalBalika Bachat Khata 5.00
Remittance Bachat Khata 5.00
NRN Saving Deposit 5.00
MBL Premium Saving 5.00
MBL Student Saving 5.00
Salary Management Account 6.50
Special Salary Management Scheme 6.50
MBL Surakshit Talab Khata 6.00
US Dollar Saving 5.00
Euro Saving 4.00
GBP Saving 4.00
NRN Saving Deposit-USD 5.00
Tenure Individual/NRN
Up to 1 year 9.25
Above 1 year  9.25
Tenure Institutional
Up to 1 year 8.50/8.50/8.60
Above 1 year  8.50/8.50/8.60
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 6.00%
Mortgage Plus Loan plus upto 6.00%
Salary Package Loan plus upto 5.00%
Privilege Loan plus upto 5.00%
Education Loan plus upto 6.00%
Loan against Fixed Deposit Receipt (Own) for New plus 2.50% on coupon on FDR rate or  plus 1.00% on base rate, whichever is higher
Loan Against Shares (Margin Lending) plus upto 5.00%
Loan Against Gold plus upto 6.00%
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/Others Loan plus upto 8.00%
Deprived Sector Lending
Indirect Lending (Wholesale or Institutional) Base Rate plus upto 2.50%
Direct Lending 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
USD Denominated Loan   USD Saving Rate + upto 2%
  • *Rates are indicative only.
  • **No new accounts shall be opened under this category.
  • ***Conditions Apply.
  • 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)
  • Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, Internal Credit Risk Rating Assessment etc.
  • Call deposit interest rates shall be as per agreement subject to NRB guidelines.
  • Interest Rates on loans against NRB refinance shall be as per NRB guidelines.