Rate of Interest
With effective from 1st Poush, 2068 (16th December,2011) |
| Rate of Interest on Savings Deposit |
| Savings Deposit:. |
On Daily Balance |
Minimum Balance |
| International Savings Deposit |
8.00% p.a. |
NIL |
| International Savings Plus |
8.00% p.a. |
NPR 5,000.00 |
| International Super Deposit |
8.00% p.a. |
NPR 100,000.00 |
| Didi Bahini Jatan Kosh |
8.00% p.a. |
NPR 500.00 |
| Paluwa Bachat Khata |
8.00% p.a. |
NPR 500.00 |
| International Samman Savings |
8.00% p.a. |
NPR 500.00 |
| International Investors Account |
8.00% p.a. |
NPR 500.00 |
| International Salary Management Account |
8.00% p.a. |
NIL |
| International Best Savings Account |
10.00% p.a. |
NPR 10,000.00 |
| Maiti Bachat Khata |
10.00% p.a. |
NPR 1,000.00 |
| Nirdhakka Beema Bachat Khata |
8.00% p.a. |
NPR 5,000.00 |
| Gambeshi Bachat Khata |
8.00% p.a. |
NPR 500.00 |
|
| Rate of Interest on Fixed Deposits Accounts |
| A) Special Fixed Deposit : |
|
Minimum Balance |
| 3 Months |
9.00% p.a. - 10.00% p.a. |
NPR 25,000.00 |
| 6 Months |
11.00% p.a. - 12.00% p.a. |
| B) Nagarik Fixed Deposit: |
|
| 1 Year |
12.50% p.a. |
NRP. 200,00.00 |
| C) Special High Value Fixed Deposit: |
12.00% p.a. - 13.00% p.a. |
Negotiable |
| Call Deposit (NPR) |
Negotiable |
Negotiable |
| Call Deposit (FCY) |
1.00% p.a. - 2.00% p.a. |
NIL |
|
| Rate of Interest on Loan and Advances |
| Loan Facilities: |
Rate of Interest |
| Corporate Loans: |
|
| Overdraft Loan |
16.00% p.a. - 20.00% p.a. |
| Term Loan |
16.00% p.a. - 20.00% p.a. |
| Demand Loan |
16.00% p.a. - 20.00% p.a. |
| Other Working Capital Loan |
16.00% p.a. - 20.00% p.a. |
| Small and Medium Enterprises (SME) Loans |
| Easy SME Loan |
16.00% p.a. - 20.00% p.a. |
| Nari- Sworojgar Karja |
16.00% p.a. - 20.00% p.a. |
| Smart Business Loan |
| NPR 5 Lakhs to NPR 25 Lakhs |
15.50% p.a. - 17.50% p.a. |
| Above NPR 25 Lakhs to 50 Lakhs |
16.00% p.a. - 18.00% p.a. |
| Above NPR 50 Lakhs to 1 Crore |
16.50% p.a. - 18.50% p.a. |
| Consumer Loans |
| Margin Lending |
16.00% p.a. - 20.00% p.a. |
| Ati Sajilo Karja (Personal Loan) |
17.00% p.a. - 20.00% p.a. |
| International Home Loan |
15.50% p.a. - 18.50% p.a. |
| International Auto Loan |
16.00% p.a. - 18.50% p.a. |
| International Hire Purchase Loan |
16.50% p.a. - 19.00% p.a. |
| International Heavy Equipment Loan |
16.50% p.a. - 19.00% p.a. |
| International Education Loan |
16.00% p.a. - 18.50% p.a. |
| Aam Nagarik Karja |
17.00% p.a. - 20.00% p.a. |
| International Gold Loan |
17.00% p.a. - 19.00% p.a. |
| Deprived Sector Loan |
| Institutional |
9.00% p.a. - 13.00% p.a. |
| Others |
17.00% p.a. - 22.00% p.a. |
| Loan Against 1st Class Bank Guarantee |
14.50% p.a.- 18.50% p.a. |
| Loan Against Government Bond |
Plus 2.00% or 16.00% p.a. whichever is higher |
| Loan Against Fixed Deposit Receipt |
| Consortium Loan |
As per consortium decision |
| Other Loans |
17.00% p.a. - 22.00% p.a. |
| Note: Accidental Insurance Coverage (Death/Permanent Disablement) facility on the account holders of International Saving Deposit, International Savings Plus, Didi Bahini Jatan Kosh, International Investor's Account and International Salary Management Account has been discontinued with effect from 1st Kartik, 2068 |
