Interest Rate Loans

    Effective From:  01 Ashar 2081 (June 15, 2024)

    LENDING Premium (% Per annum) on Base Rate
    Floating Interest Rate on Loans  
    Corporate  up to 2.00
    Agriculture Loan  up to 2.00
    MSME/ SME (Productive as per NRB) 0.5 to 2.00
    MSME/ SME (Others) 0.5 to 2.50
    Education Loan 2.00 to 3.50
    Deprived Sector Upto 2.00
    Home Loan (Prime) Upto 2.00
    Home Loan 0.50 to 2.50
    Personal Term Loan 0.5 to 2.50
    Personal Overdraft Loan 2.5 to 3.50
    Auto Loan (Private) 1.00 to 3.00
    Hire Purchase (Commercial) 2.50 to 3.50
    Real Estate 2 to 3.50
    Margin Lending 1.00 to 3.00
    Loan Against First Class Bank Guarantees Upto 2.00
    Loan Against Fixed Deposit** Coupon rate + 2.00 or RABR + 0.25 whichever is higher
    Loan Against Government Securities Coupon rate + 2.00 or RABR + 0.25 whichever is higher
    Other Loan 2.00 to 3.50
    Professional Loan 3.00 to 3.50
    FCY Denominated Loans Available on Request
    FCY TR Loan Available on Request
    Fixed Interest Rate on Loan  
    Types of Loan Rate Fixed for  Interest Rate Per Annum
    For Home Loan Up to 7 Years 9.49%
    For Other Individual Mortgage Loans (Term Loan) Up to 7 Years 9.99%
    For SME/MSME Up to 7 years 9.99%
    Base Rate of Baisakh 2081 9.51%
    Interest Spread Baisakh 2081 3.81%
    1.Terms and conditions for various savings deposits, fixed deposits, and loan against FD will be as per the prevailing bank rule.
    2. Interest rate on consortium financing shall be as per consortium decision.                                                                                           
    3. In case of any regulated loan, premium rates shall be applicable as per the circulars issued by NRB. 
    4. For remit FD, bank can provide minimum 1% over published rate of respective currency.
    5. Interest rate on the Akshayakosh deposit shall be negotiable.
    ** 0.25% discount shall be provided if applied through Kumari Smart (Mobile Banking)