Base Rate for Poush 2076: 10.09%
LCY Interest Rate Spread for Poush 2076: 4.23%
LCY Interest Rate Spread for Poush 2076 (as per NRB Circular 2/076/77): 4.66%

Rate of Interest

(With effect from 12th December, 2019)

Deposits (NPR) % per annum
General Savings
Savings 5.00%
Premium Savings
Samman Bachat 6.50%
Shakti Bachat 6.50%
Sunaulo Bachat 6.00%
Dhana Laxmi Bachat 6.00%
Super Woman Savings 6.00%
Shubha Laxmi Savings 6.50%
Orange Savings 6.50%
Deposits (USD) % per annum
USD Savings 4.00%
Term Deposits Institutions (% p.a) Personal (% p.a)
3 months and above 8.50% 9.25%
For all renewals 8.60% 9.25%
Recurring Deposit up to 9.25%*
*Conditions Apply
NRN Term Deposit (FCY) % per annum
US Dollar (USD) 5.50%
Pound Sterling (GBP) 4.75%
Euro (EUR) 3.00%
Australian Dollar (AUD) 5.00%
Term Available : 2 or 3 years
Minimum Amount USD 10,000 (or equivalent) and higher

Loans and Advances

Base Rate for the Quarter ending Poush 2076: 10.09%
Overdraft/Cash Credit % per annum
Corporate Base Rate + up to 6
SMEs/Others Base Rate + 2 to 6
Working Capital/
Short Term Loans
% per annum
Corporate Base Rate + up to 6
SMEs/Others Base Rate + 2 to 6
Supply Finanace Base Rate + 2 to 6
Export Loans Base Rate + up to 6
Term Loans - Corporate Base Rate + up to 6
Term Loans - SME Base Rate + 2 to 6
Importer's Loans % per annum
Corporate Base Rate + up to 6
SMEs/Others Base Rate + 2 to 6
Other Loans % per annum
Auto Loans Base Rate + up to 6
Education Loans Base Rate + up to 6
Home Loans Base Rate + up to 6
Home Equity Loans Base Rate + 2 to 6
Home Equity Revolving Line of Credit Base Rate + 2.5 to 6
Personal Loans Base Rate + 3 to 6
Sana Byawasai Karja Base Rate + 2 to 6
Loans Against Gold Base Rate + 2 to 6
Loans Against Fixed Deposits Higher of FD + 1 or Base Rate + up to 2
Loans Against First Class Bank Guarantee Base Rate + 1 to 6
Loans Against Marketable Securities Base Rate + 1 to 6
Microfinance Loans Base Rate + up to 6

Note


*Interest on Savings accounts will be paid quarterly, calculated in a daily basis.
*Rates for Call accounts are negotiable and subject to change from time to time. Please contact any of our branches for details.