Interest Rates

Effective from August 01, 2020

Types of Deposit** per annum (%)
MBL New Smart Bachat Khata 3.00
Machhapuchchhre Bachat Khata 5.00
MBL Smart Bachat Khata 4.50
Ek Byakti Ek Khata Yojana 3.00
Normal Saving 3.00
Pewa Bachat Yojana 3.00
Yuba Bachat Khata 3.00
Shareholders Saving 3.00
Samman Bachat Khata 3.00
BalBalika Bachat Khata 3.00
MBL Premium Saving Account 3.00
Remittance Bachat Khata 3.00
MBL Student Saving 3.00
MBL Retirement Plan Account 3.00
Salary Management Account 4.00
Special Salary Management Scheme 5.00
MBL Smart Salary Account 5.00
MBL Surakshit Talab Khata 4.50
MBL Recurring Deposit                                                                                                                                
MBL Recurring Deposit (6 months to 5 years) 8.00
MBL Recurring Deposit (above 5 years to 20 years) 8.00
US Dollar Saving 2.00
Euro Saving 1.00
GBP Saving 1.00
US Dollar Saving 2.00
Euro Saving 1.00
GBP Saving 1.00
Individual/ Foreign Institutional FCY FD
US Dollar Saving 3.00
Euro Saving 1.50
GBP Saving 1.50
Tenure Individual/NRN
3 months to 1 year 7.25
Above 1 year to 2 years 7.50
Above 2 years to 5 years 8.0

Institutional (Effective from 30 July, 2020)

3 months to 1 year 6.5/6.6
Above 1 year and below 5 years 6.75/6.75
5 years 7.00/7.00


Effective from August 03, 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 Overdraft Loan   Base rate plus upto 5%
FCY Denominated Loan    
Pre Shipment and Post Shipment   One Year Libor Rate + 1.25%
FCY Loan for Import LC (Sight)   Six Month Libor Rate + 1.25%
USD Trust Receipt   Daily FCY Cost of Deposit + upto 1.5%
Base Rate of Ashad End 2077   9.21%
Spread Rate of Ashad End 2077   4.36%


  • *Rates are indicative only.
  • **The rate of other obselete product shall be as per Normal Saving.
  • ***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)
  • Call deposit interest rates shall be as per agreement subject to NRB guidelines.
  • Interest Rate on Credit Facilities shall be revised in line with the revision on Base Rate as per NRB Directives
  • Premium rate of each borrower, deal shall be determined subject to loan type/category, tenure of each deal, Internal Credit Risk Rating Assessment etc.
  • Interest Rates on loans against NRB refinance shall be as per NRB guidelines.