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With effect from 1st Falgun 2064 (13th February 2008)
Deposits
| Deposits |
Interest Rates (In % p.a.) |
| Savings Deposits |
3.00 |
| NIC Life Savings Deposits |
Upto 5.00 |
| NIC Sikshya Kosh |
Upto 5.00 |
| NIC Shareholders Savings |
4.00 |
| Karmashil Bachat Khata |
3.00 |
| US $ Savings |
1.25 |
| NIC USD Super Savings Account |
Upto 2.50 |
| NIC Business Account |
Upto 3.00 |
Fixed Deposits*
|
Prime |
Others |
| 1 Month |
4.25 |
4.00 |
| 3 - 6 Months |
4.50 |
4.25 |
| 1 Year |
5.75 |
5.50 |
| 1 - 2 Years |
6.00 |
5.75 |
| 2 - 5 Years |
6.25 |
6.00 |
| Above 5 Years |
6.50 |
6.25 |
| Structured Deposits |
Negotiable |
Lending
| Category |
Prime |
Others |
| Export Credit |
9.00 |
10.50 |
| Export Credit as per NRB |
4.00 |
| Export Credit in USD |
6.00 |
Cash Credit/Short Term Loans/Overdraft
| Against FDR |
8.50 - 10.00 |
| Against Own FDR |
7.50 - 9.00 |
| Against 1st Class Bank Guarantee |
8.00 |
9.50 |
| Against Govt. Securities |
7.50 |
9.00 |
| Against Other Collateral
| 10.00 |
11.50 |
| Other Short Term Working Capital Loans
| 10.00 |
11.50 |
| Import Credit
| 9.00 |
10.50 |
| Term Loan |
10.00 |
11.50 |
| Deprived Sector* |
6.00 |
8.00 |
Corporates/Multinationals
| Import Loan |
8.00 |
9.50 |
| Overdraft/Cash Credit/ Working Capital Loans |
9.50 |
11.00 |
| Other Short Term Working Capital Loans |
9.00 |
10.50 |
| NIC Small Business Loan |
9.49 - 11.99 |
| NIC Sajilo Karja |
0.85 - 1.00 p.m. |
| Margin Lending |
10.5 |
12.00 |
| Other Loans |
10.50 |
12.00 |
Consumer Loans
| NIC Ghar Subidha |
7.99 - 11.49 |
| Auto Loan |
10.50 |
12.00 |
| Structured Auto Loan |
9.50 |
11.00 |
| Education Loan |
10.50 |
12.00 |
Note: The above interest rates are only indicative and subject to variance staying within Nepal Rastra Bank guidelines.
* Negotiable in case of institutions
