Interest Rate Loans
Effective From: 01 Jestha, 2082 (May 15, 2025)
| LENDING | Premium (% Per annum) on Base Rate | |
|---|---|---|
| Floating Interest Rate on Loans | ||
| Corporate | 0.50 to 2.5 | |
| Agriculture Loan | Up to 2.00 | |
| MSME/ SME (Productive as per NRB) | Up to 2.00 | |
| MSME/ SME (Others) | 2.00 to 3.50 | |
| Education Loan | 2.00 to 4.00 | |
| Deprived Sector | Up to 2.00 | |
| Home Loan/Prime | 1.50 to 3.50 | |
| Personal Term Loan | 2.00 to 4.00 | |
| Personal Overdraft Loan | 3.00 to 4.00 | |
| Auto Loan (Private) | 2.00 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 Chaitra 2081 | 6.78% | |
| Interest Spread Chaitra 2081 | 3.52% | |
| Note: | ||||
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१. विभिन्न बचत निक्षेप, मुद्दती निक्षेप र मुद्दती निक्षेप रसिद धितो कर्जाको लागि नियम र शर्तहरू यस बैंकको प्रचलित नियमानुसार हुनेछन् । |
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२. सहवित्तीयकरण कर्जा सुविधामा व्याजदर सहवित्तीयकरण बैठकको निर्णय अनुसार हुनेछ । |
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३. कुनै पनि नियमन गरिएका ऋणको हकमा प्रिमियमदरहरू नेपाल राष्ट्र बैंकले जारी गरेको परिपत्र अनुसार लागू हुनेछन् । |
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| ४. रेमिट मुद्दती निक्षेपको लागि बैंकले प्रकाशित व्याजदर माथि थप १% प्रदान गर्न सक्नेछ । उक्त खाता खोल्नको लागि अनिवार्य रुपमा रेमिटेन्स प्राप्त भएको प्रमाण पेश गर्नु पर्नेछ । | ||||
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५. यदि ग्राहकले रिकरिङ्ग मुद्दती खातामा नियमित जम्मा गर्नुपर्ने किस्ता रकम तीन पटकसम्म जम्मा नगरेमा, उक्त रिकरिङ्ग मुद्दती खाता (Recurring Fixed Deposit) खारेज गरी बचत खातामा रकम स्थानान्तरण गरी बचत खाताको ब्याज प्रदान गरीनेछ । |
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| *प्राकृतिक व्यक्तिको लागि ३ महिना वा सोभन्दा माथि तथा संस्थाको लागि ६ महिना वा सोभन्दा माथि । | ||||
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**कुमारी स्मार्ट (मोबाइल बैंकिङ) मार्फत आवेदन गर्दा ०.२५% छूट प्रदान गरिनेछ । |