Base Rate for Baisakh 2076: 10.35%
LCY Interest Rate Spread for Baisakh 2076: 4.15%

Rate of Interest

(with effect from 17th May, 2019)

Deposits (NPR) % per annum
General Savings
Savings 5.00%
Premium Savings
Samman Bachat 6.50%
Shakti Bachat 6.50%
Sunaulo Bachat 6.50%
Dhana Laxmi Bachat 6.50%
Super Woman Savings 6.50%
Shubha Laxmi Savings 6.50%
Orange Savings 6.50%
Term Deposits Institution (% p.a) Personal (% p.a)
3 months and above 8.50% 9.25%
For all renewals 8.60% 9.25%
Recurring Deposit up to 9.25%*
Structured Deposit up to 9.25%*
*Conditions Apply
Deposits (USD) % per annum
USD Savings 4.00%

Loans and Advances

Base Rate for the Quarter ending Chaitra 2075: 10.26%
Overdraft/Cash Credit % per annum
Corporate Base Rate + 1 to 6
SMEs/Others Base Rate + 4 to 6
Working Capital/Demand/
Short Term Loans
% per annum
Corporate Base Rate + 1 to 6
SMEs/Others Base Rate + 4 to 6
Supply Finanace Base Rate + 3 to 6
Export Loans Base Rate + 1 to 6
Term Loans - Corporate Base Rate + 1 to 6
Term Loans - SME Base Rate + 4 to 6
Importer's Loans % per annum
Corporate Base Rate + 1 to 6
SMEs/Others Base Rate + 3 to 6
Other Loans % per annum
Auto Loans Base Rate + 2 to 6
Education Loans Base Rate + 2 to 6
Home Loans Base Rate + 2 to 6
Home Equity Loans Base Rate + 3 to 6
Home Equity Revolving Line of Credit Base Rate + 4 to 6
Personal Loans Base Rate + 4 to 6
Sana Byawasai Karja Base Rate + 3 to 6
Loans Against Gold Base Rate + 3 to 6
Loans Against Fixed Deposits Higher of FD + 2 or Base Rate + 3
Loans Against First Class Bank Guarantee Base Rate + 3 to 6
Loans Against Marketable Securities Base Rate + 1 to 6
Microfinance Loans Base Rate + 1 to 6

Note

*Interest on savings deposit accounts will be paid quarterly, calculated in a daily basis.
*Please contact your concerned branch for rate of interest on call accounts.
*Call account interest rates are subject to change from time to time.