| LENDING |
Premium (% Per annum) on Base Rate |
| Floating Interest Rate on Loans |
|
| Corporate |
0.50 to 2.50 |
| Agriculture Loan |
Up to 2.00 |
| MSME/ SME (Productive as per NRB) |
Up to 2.00 |
| MSME/ SME (Others) |
2.50 to 3.50 |
| Education Loan |
2.00 to 4.00 |
| Deprived Sector |
Up to 2.00 |
| Home Loan/Prime |
2.00 to 4.00 |
| Personal Term Loan |
2.50 to 4.00 |
| Personal Overdraft Loan |
3.00 to 4.00 |
| Auto Loan (Private) |
2.50 to 4.00 |
| Hire Purchase (Commercial) |
3.00 to 4.00 |
| Real Estate |
2.00 to 4.00 |
| Margin Lending |
2.25 to 4.00 |
| Loan Against First Class Bank Guarantees |
Up to 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 |
3.00 to 4.00 |
| Professional Loan |
3.00 to 4.00 |
| 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 |
8.59% |
| For Auto Loan |
Up to 5 Years |
8.99% |
| For Other Individual Mortgage Loans (Term Loan) |
Up to 7 Years |
9.59% |
| For SME/MSME |
Up to 7 years |
9.59% |
| Base Rate of Falgun 2081 |
6.85% |
| Interest Spread Falgun 2081 |
3.52% |
