Interest rates of commercial banks in Nepal

Interest rates of commercial banks in Nepal

social SN   12:16:00 PM

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1. Nabil Bank

Interest Rate

DEPOSITS	% PER ANNUM
A. SAVING DEPOSITS
Bal Bachat	3.50
Student Savings	3.50
Jestha Bachat	3.50
Lok Bachat	3.50
Nari Bachat	3.50
General Savings	3.50
Remittance Savings	3.50
Share Khata	3.50
Corporate Staff Savings	3.75
Salary Savings	4.25
Bachat Yojana	4.50
Super Savings	5.00
Employee Savings	5.00
B. FIXED
- 1 Month	4.50
- 3 Months	6.00
- 6 Months
Institutional	7.50
Personal	8.50
- 1 year
Institutional	9.50
Personal	10.00
- Above 1 year
Institutional	10.00
Personal	10.50

2. Nepal Investment Bank

Deposit Interest Rates
Saving Accounts	% per annum
Afnai Bachat Khata	3.50
E ZEE Student (ESA)	3.50
Keta Keti Bachat Khata	3.50
Locker account	3.50
Lotus Savings Account	3.50
Pariwar Bachat Khata	3.50
Prithivi Remittance Account	3.50
Karmachari Bachat Khata	3.75
EZEE Savings	3.50
NIBL Savings Bonanza	3.75
Surakshya Bachat Khata	3.50
Saving Branchless banking	4.50
Social Security Account	5.50
Credit Card Scheme	3.50
Access to Finance Program	3.50
Saving Trading Account	3.50
FCY Saving USD	0.25
FCY Others	0.15

Effective from 28th April, 2017 (15th Baishak, 2074)

Fixed Deposit (% per annum)
PARTICULARS	Prime (%)	Standard (%)
1 month	5.5	5.0
3 months	6.5	6.0
6 months	7.5	7.0
1 year	10.0	9.5
Above 1 year	10.0	9.5
*Special Bulk Fixed Deposit Account -Individual	11.5	11.0
*Special Bulk Fixed Deposit Account -Institution	10.5	10.0
Retirement fund Account	5.0
FCY Fixed Deposit	Negotiable

3. Prabhu Bank Limited

4. Siddhartha Bank Limited

Interest Rates

With effect from April 18, 2017

Deposit (NPR)	Interest Rate (% p. a.)
Siddhartha Bachat	5.75
Siddhartha Bal Bachat	5.75
Siddhartha Bishesh Bachat	5.75
Siddhartha eSewa Bachat	5.75
Siddhartha Insurance Bachat	5.75
Siddhartha Kantipur Savings	5.75
Siddhartha Mega Savings	5.75
Siddhartha Nari Bachat	5.75
Siddhartha Branchless Banking	5.75
Siddhartha Investors' Savings	5.75
Siddhartha Jestha Nagarik Bachat	5.75
Siddhartha Remit	5.75
Siddhartha Super Salary	5.75
Siddhartha Students Savings	5.75
Siddhartha Sarvottam Bachat	6.25
With effect from January 27, 2017
Normal Fixed Deposits	Institutional         (% p.a.)	Others  (% p.a.)
3 months - below 6 months	1.5	2
6 months - below 1 year	2.5	3
1 year	5.5	5.75
Above 1 year	6	6.25
Fixed Deposit		Interest Rate (% p.a.)
Siddhartha Awakash Muddati Khata (1 year) (For Individual Customers Only)		6.5
Siddhartha Premium Muddati Khata (2 years)		7 *
With effect from May 25, 2017
Siddhartha 180 Days Fixed Deposit		10 *
Structured Fixed Deposit :
6 months to 18 months		12 *
*The above rates are not applicable to Institutional Customers as defined by NRB
Other terms & conditions of the deposits products remain unchanged
With effect from June 21, 2016
Foreign Currency Deposits
Deposits	Interest Rate (% p.a.)
Siddhartha USD Savings	1
Siddhartha Remit USD Savings	1.25
Siddhartha GBP Savings	0.5
Siddhartha Euro Savings	0.5
Other FCY Deposit & Fixed Deposits	available on request
Loans and Advances
With effect from aPRIL 25, 2017
Description	% p.a
Overdraft/Cash Credit	Prime	Others
Industry/Trading	10.5 - 11.5	13 - 14
Import Loan
Industry/Trading	10 - 11	12.5 - 14
Working Capital Loan
Industry/Trading	10.5 - 11.5	13 - 14
Short Term Loan
Industry/Trading	10.5 - 11.5	13 - 14
Term Loan
Industry/Trading	11 - 12	13 - 14
Home Loan	10.5 - 11.5	13 - 14
Auto Loan/Hire Purchase Loan	10.5 - 11.5	13 - 14
Siddhartha Personal EMI Loan	12.5	14
Education Loan	11.5 - 12.5	13 - 14
Mortgage Loan
Overdraft	11.5 - 12.5	14
Term Loan/Short Term Loan	11.5 - 12.5	13 - 14
Export Finance
Under L/C in USD	5 - 6	8 - 9
Under L/C in NPR	10.5 - 11.5	14
Without L/C in USD	6 - 7	9 - 10
Without L/C in NPR	11 - 12	14
Loan Against :
Fixed Deposit	Own: Coupon rate plus 3% or Minimum 11.5% p.a. Other Bank: Coupon rate plus 3% or Minimum 12 % p.a.
Foreign Currency Deposits at SBL	11	12
Government Bonds	11.5	12 - 13
First Class Bank Guarantees	12	14
Other Bank Guarantees	11 - 12	14
Loan against Shares	12.5	14
FCY Loan Denominated in USD	5 - 6	9 - 10
Consortium Loan	As per consortium decision
Deprived Sector	10 - 11	12 - 14
Others	12.5	14

5. Nepal Bank Limited

INTEREST RATE Deposits Annual Interest Rate S.No. Deposit Type Duration Rate** Previous Rate 1 Saving Deposit (Normal Saving) (interest calculated on daily closing balance) 1.25% 1.50% Special Saving Deposit 1. Pension Payment Saving   2.50% 1.25% 2. Salary Saving Account (Non NBL Staff)   3.25% 2.50% 3. NBL Diamond Saving   2.25% 2.50% 4. Women Special Saving   2.25% 2.50% 5. Yuva Bachat Khata   2.25% 2.50% 6. Senior Citizens Special Saving   2.50% 2.75% 7. Professional's Saving   2.50% 2.75% 8. Social Security Saving Account 2.50%   9. NBL Special Saving 3.00% 2.75% 10. NBL Staff Pension Saving 2.50% 2.75% 11. NBL Staff Salary Saving 3.25% 2.50% 12. Santati Saving Account   2.50%   13. Remittance Saving Account   2.50%   14. Investor's Saving Account   2.50%   FCY Saving Deposit 1. USD 0.75% 0.50% 2. EUR 0.40% 0.50% 3. GBP 0.40% 0.50% Fixed Deposit 1. 3 Month 5.00% 3.00% 2. NBL 100 days Fixed Deposit 8.50%   3. 6 Month 9.50% 6.00% 4. 1 year 10.50% 6.50% 5. Nepalaxmi Fixed Deposit (Above 1 year up to 5 years) 7.00%   6. Employee Welfare Account 4.00%   FCY Fixed Deposit 1. USD Negotiable Akschhaya Kosh     Other Institutions   6.50% 4.25%   NBL Trust Fund   6.75% 5.75% Call Deposits   Normal Call Deposits   1.25% 1.00% Lending Rates on Loan Types Rate** Previous Rate Gold and Silver Loan 12.00% 12.50% Export Finance Export Finance in Domestic Currency 7.00% 6.00%% Post Shipment & Pre-Shipment (in USD) 7.00% to 8.00% 4.00% to 6.00% Trust Receipt 8.50% to 10.00% 8.00% to 9.00% Term Loan Industrial/Commercial 10.00% to 11.00% 9.00% to 11.00% Housing Plan 13.00% 11.00% to 12.00% Real Estate 13.00% 11.00% to 12.00% Working Capital Hypothecation 9.50% to 11.50% 9.00% to 11.00% Overdraft 9.50% to 11.50% 9.00% to 11.00% Pledge loan 9.50% to 11.50% 9.00% to 11.00% Demand  9.50% to 11.50% 9.00% to 11.00% Loan against Govt. Securities Coupon Rate + 2.00 or 11.00 whichever is higher Deprived Sector Loan Individual 10.00% 9.00% Institutional 8.00% 6.00% Agriculture Loan 10.00% 11.00% Loan against First Class Bank Guarantee 10.00% 9.00% Loan against FD receipt Coupon Rate + 2.00 Hire Purchase Loan 12.00% 10.50% to 11.50% Sajilo Byabasaik Karja 12.00% 11.00% Consumer Loan Auto Loan Private vehicle 5 years term 11.00% 10.00% Private vehicle 7 years term 12.00% 10.50% Private vehicle business use 5 years term 12.00% 11.00% Commercial vehicle 3-5 years term 12.00% 11.00% Private vehicle used 4 years term 12.00% 11.00% Nepalaxmi Auto Loan 10.00% 9.50% NBL Professional Auto Loan 10.00% 9.00% Home Loan 5 years term 10.00% 9.50% 10 years term 11.00% 10.50% 15 years and above term 11.50% 11.00% NBL Professional Home Loan 10.00% 9.00% Nepalaxmi Home Loan 10.00% 9.50% Personal Term Loan 5 years term 10.50% 10.00% 10 years term 11.00% 10.50% 15 years and above term 12.00% 11.50% Personal Overdraft Professional Overdraft 12.00% 11.00% Others 12.50% 11.50% NBL Professional Loan 12.00% 11.00% Education Loan 5 years term 9.50%   10 years term 10.00%   Margin Lending Up to 50 Million 12.00% 11.00% 50 Million above up to 100 Million 11.00%   100 Million above 10.00% 9.00% NBL Flexi Loan Flexi Term Loan 11.00% 10.00% Flexi Overdraft 11.50% 10.50% ** Rates are effective from Baisakh 1, 2074 (Apr 14, 2017) Base Rate - Falgun 2073: 5.75 %

6. Bank of Kathmandu

7. Sanima Bank

INTEREST RATES

Saving Deposit	Rates Per annum	Min. Balance	Interest Payment
Sanima Sampanna Bachat Khata	8.00%	For demographic wise min balance click here	Monthly
Samridhha Bachat Khata	7.00%	For demographic wise min balance click here	Quarterly
Special Salary Account	6.50%	0	Quarterly
Bishesh  Bachat Khata	6.50%	For demographic wise min balance click here	Quarterly
Senior Citizen Saving Account	6.00%	200/-	Monthly
Nari Bachat	6.00%	0.00	Quarterly
NRN Saving Account	6.00%	1000/-	Quarterly
Grameen Bachat Khata	6.00%	0	Quarterly
Sulav Account	6.00%	0	Quarterly
Shareholders Saving Account	6.00%	0	Quarterly
Muna Bachat	6.00%	500/-	Quarterly
Prime Saving	6.00%	1,000/-	Quarterly
Remittance Account	6.00%	0	Quarterly
Sanima PF Saving Account	6.00%	0	Quarterly
Sanima Commitment Saving Account	6.00%	0	Quarterly
Other Savings Account	6.00%	0	Quarterly
Sanima FCY Saving Account	1-2%	USD 10	Quarterly
Fixed Deposit	Rates per annum
Time Period	Individual	Institutional	Minimum Balance (NPR)
3 Months to below 6 Months	7.00%	7.00%	500,000
6 Months to below 1 year	9.50%	9.00%	500,000
1 Year	11.00%	10.50%	100,000
Above 1 Year to 2 Years	9.50%	9.00%	100,000
Above 2 Years to 3 Years	10.00%	9.50%	100,000
Interest Payment	Monthly	Quarterly
Loan and Advances
Types of Loan
A. Corporate	Interest Rate (% p.a.)
Working Capital/Short Term Loan	9.25 -15.00
Import Loan/Trust Receipt Loan	9.25 -15.00
Overdraft	9.50 - 15.00
Export Loan/Packaging Credit	9.00 - 15.00
Term Loan/Bridge Gap Loan	10.00 - 15.00
Term Loan-Hire Purchase	10.00 - 15.00
B. Business Banking	Interest Rate (% p.a.)
Overdraft/Working Capital/Short Term Loan	11.00 - 15.00
Import Loan/Trust Receipt Loan	11.00 - 15.00
Export Loan/Packaging Credit	11.00 - 15.00
Term Loan	11.00 - 15.00
C. Microfinance/ Deprived Sector	Interest Rate (% p.a.)
Wholesale Loan/ Credit	4.00 - 12.00
Other Retail Loan	12.00 - 15.00
D. Retail/ Consumer Banking	Interest Rate (% p.a.)
Home Loan	10.00 - 15.00
Home Equity Loan	10.00 - 15.00
Private vehicle/Auto Loan	10.00 - 15.00
Commercial vehicle Loan-Others	11.00 - 15.00
Commercial vehicle Loan-Taxi Financing	10.00 - 15.00
Personal Overdraft/Personal Loan	11.00 - 16.00
Education Loan	11.00 - 14.00
Small Business Growth Loan (SBGL)	10.00 - 15.00
SBGL-Auto Loan for Private Use	10.00 - 15.00
Auto Loan-Subvention Scheme	As outlined in Subvention Scheme agreement
E. Project Financing	Interest Rate (% p.a.)
Term Loan	10.00 - 15.00
Working Capital Loan	10.00 - 15.00
Bridge Gap Loan	10.00 - 15.00
Trust Receipt Loan	10.00 - 15.00
F. Other Lending	Interest Rate (% p.a.)
Loan Against Shares	11.00 - 16.00
Loan Against FDR	Minimum 12% p.a. or coupon rate, whichever is higher
Loan Against 1st class Bank Guarantee	11.00 - 15.00
Loan Against Other Bank Guarantee	12.00 - 16.00
Loan Against Government Securities	Minimum 15.00
Gold Loan	13.00 - 16.00
Structured Loan	4.00 - 9.00
G. Consortium Loan	As decided by consortium
H. Others Loan	16.00 % p.a.
I. FCY Loan	4.00% p.a
Baishakh 2074	Rate
Base Rate	9.67%
Interest Rate Spread	4.35%

8. Mega Bank

9. Janata Bank

Interest Rate

​​

Particulars	Rate (Per Annum)
Gautam Buddha Sadharan Bachat Khata	8.00%
Parishramik Byaosthapan Khata	6.00%
Janata Sanchaya Bachat Khata	6.00%
Janata Bachat Khata	6.00%
Janata Kawach Bachat Khata	6.00%
Janata Social Security Saving	6.00%
Janata Share Dhani Khata	6.00%
Naari Swabhiman Bachat Khata	6.00%
Janata Samriddhi Bachat	6.00%
Bright Future Saving Account	6.00%
Jestha Nagarik Samman Bachat Khata	6.00%
Janata Remit Bachat Khata	6.00%
Janata Saral Bachat Khata (Monthly Interest Payment)	6.00%
Fixed Deposit	Institutional	Public & Individual
75 Days	-	13.00%
3 Months	-	13.00%
6 Months	11.00%	13.00%
1 Year	12.00%	13.00%
Structural Bulk Deposit	Negotiable	-
Loans and Advances	Prime	Standard
Deprived Sector – Wholesale	8.50%-10.00%	11.00%-13.00%
Deprived Sector - Retail (Individual and Institutional)	12.00%-13.00%	14.00%-16.00%
Janata Sahaj Karja	12.00%-13.00%	14.00%-16.00%
Export Finance	9.00%-10.00%	11.00%-15.00%
Term Loan	9.00%-10.00%	11.00%-15.00%
Demand Loan/Short Term Loan	8.50%-10.00%	11.00%-15.00%
Import Loan	9.00%-10.00%	11.00%-15.00%
FCY Loan	3.00%-5.00%	6.00%-7.00%
Overdraft	8.50%-10.00%	11.00%-15.00%
Agricultural Loan – Institutional	11.00%-12.00%	13.00%-16.00%
Agricultural Loan – Individual	12.00%-13.00%	14.00%-16.00%
Housing Loan
Up to 15 Years	10.00%-12.00%	12.00%-16.00%
Above 15 Years	10.50%-13.00%	13.00%-16.00%
Auto Loan
Up to 5 Years	10.00%-12.00%	12.00%-16.00%
Up to 7 Years	10.50%-12.00%	12.00%-16.00%
Hire Purchase	11.00%-13.00%	13.00%-16.00%
Education Loan	10.00%-12.00%	13.00%-16.00%
Mortgage/Personal Loan	11.00%-13.00%	13.00%-16.00%
Loan Against Fixed Deposit	+2.00% But Minimum 12.00%
Loan Against Government Securities	+2.00% But Minimum 12.00%
Margin Lending	11.00%-13.00%	13.00%-16.00%
Loan Against Gold and Silver	11.00%-13.00%	13.00%-16.00%
Other Loans	12.00%-13.00%	14.00%-17.00%

 

10. Nepal SBI Bank Limited

Interest Rates - Loans

Loan & Advances Schemes	Interest Rate(p.a) w.e.f  4th Jun, 2017 (21st jestha, 2074)
	Corporate Customers	Prime Customers	Other Customers
Working Capital / Cash Credit	BR+1.00% to BR+4.50%	BR+2.75% to BR+5.00%	BR+3.75% to BR+6.50%
Trust receipt	BR+0.50% to BR+3.00%	BR+1.25% to BR+4.00%	BR+3.25% to BR+6.00%
Short Term Demand Loan	BR+1.00% to BR+4.50%	BR+2.75% to BR+5.00%	BR+3.75% to BR+6.50%
Term Loan / Project Finance	BR+1.25% to BR+4.50%	BR+2.75% to BR+5.00%	BR+3.75% to BR+6.50%
Working Capital / Cash Credit -Multinational	BR+0.75% to BR+4.00%
Export Finance/Loan(FCY)	3.00-6.00%
Import Finance/Loan(FCY)	5.00-7.00%
Pre shipment / Post shipment Loan	BR+0.50% to BR+3.00%	BR+1.25% to BR+4.00%	BR+3.25% o BR+6.00%
Consortium Lending	As per Consortium decision subject to applicable Base Rate of NSBL
Loan Against FDR	FD Rate +1.00%	FD Rate +1.50%	FD Rate +2.00%
	Or applicable Base Rate whichever is higher
Deprived Sector Lending(MFI,NBFC)	BR+0.75% to BR+4.00%
Deprived Sector Lending(Individuals/ Retail)	BR+1.75% to BR+6.00%
Personal Loan/Overdraft/Mortgage Loan	BR+3.25% to BR+7.00%
SME Loan	BR+2.75% to BR+6.00%
Education Loan	BR+2.75% to BR+5.00%
Home Loan	BR+2.25% to BR+6.00%
Auto Loan / Hire Purchase Loan	BR+2.25% to BR+6.00%
Bhu. Puu Loan	BR+5.50% to BR+6.00%
Loan against share / margin lending	BR+1.75% to BR+4.00%	BR+2.75% to BR+5.00%	BR+3.75% to BR+6.00%
Loan against Bonds (Govt. & Other)	Coupon Rate +1.00%	Coupon Rate +1.50%	Coupon Rate +2.00%
	Or applicable Base Rate whichever is higher
Land Loan / Real Estate Loan	BR+2.75% to BR+5.00%	BR+3.75% to BR+6.00%	BR+4.75% to BR+7.00%
Gold Loan	BR+3.75% to BR+6.00%
Base Rate (BR) (Chaitra 2073): 8.21%
Interest Spread Rate (Chaitra 2073): 4.33%

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