| Deposit Products |
|
| LCY Saving Deposits |
Rates Per Annum |
Minimum Balance (NPR) |
|
| Saral Muddati Bachhat Khata |
7.40% |
NIL |
|
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) |
5.40% |
1,000 |
|
| NMB Premium Super Talab Khata |
7.40% |
NIL |
|
| NMB Super Talab Khata |
5.40% |
NIL |
|
| NMB Sahara Bachat Khata |
5.40% |
1,000 |
|
| NMB Umanga Bachat Khata |
5.40% |
100 |
|
| NMB Talab Khata |
5.40% |
NIL |
|
| NMB Manyajan Bachat Khata |
7.40% |
NIL |
|
| Nari Bachat Khata |
5.40% |
100 |
|
| Atulya Bachat Khata |
5.40% |
NIL |
|
| Sulav Muddati Savings |
5.40% |
NIL |
|
| Micro Bachat Khata |
5.40% |
NIL |
|
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) |
5.40% |
100 (100 Deposited by Bank) |
|
| Social Security Savings |
5.40% |
NIL |
|
| Surakchhit Jeevan Bachat Khata |
5.40% |
1,000 |
|
| Namaste Savings |
5.40% |
10,000 |
|
| Metro Card Savings |
5.40% |
100 |
|
| Metro POS Savings |
5.40% |
100 |
|
| NMB Smart Savings - Digital |
5.40% |
NIL |
|
| Normal DO Savings |
5.40% |
NIL |
|
| NMB Jeevan Chakra |
5.40% |
5,000 to 50,000 |
|
| NMB Samman Bachat Khata |
5.40% |
10,000 |
|
| NMB Investor Savings |
5.40% |
NIL |
|
| NMB You-Wah Digi Savings |
7.40% |
NIL |
|
| NMB Sahara Gold |
7.40% |
5,000 |
|
| NMB Ujyalo Pariwar Bachat Khata |
7.40% |
NIL |
|
| NMB Ujyalo Pension Bachat Khata |
7.40% |
NIL |
|
| NMB Smart Nari Bachat Khata |
7.40% |
NIL |
|
| Aapan NMB Bachat Khata (For Madhesh Pradesh Only) |
7.40% |
NIL |
|
| Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) |
7.40% |
NIL |
|
| NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) |
7.40% |
NIL |
|
| Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) |
7.40% |
NIL |
|
| NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) |
7.40% |
NIL |
|
| NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) |
7.40% |
NIL |
|
| NMB Janmabhumi Bachat Khata (Remittance) |
8.40% |
NIL |
|
| |
|
|
|
| FCY Deposits (Indiviual/Institution*) |
Fixed-3 Months and Above |
Saving |
Call |
| US Dollar-USD |
7.25% |
5.25% |
Up to 50% of Saving Deposit |
| Great Britain Pound-GBP |
5.75% |
4.50% |
| EURO-EUR |
4.70% |
3.50% |
| Canadian Dollar-CAD |
4.75% |
4.25% |
| Australian Dollar-AUD |
4.75% |
3.75% |
| Japanese Yen-JPY |
3.25% |
2.00% |
| Chinese Yuan-CNY |
4.00% |
3.00% |
| Other FCY Deposits |
Central Bank rate plus Up to 4% |
Central Bank rate plus Up to 2.5% |
| * Institutional FCY Fixed Deposit tenure shall be six months and above. |
|
| NMB Namaste FCY FD (min. 1 years) *product for Non Resident Nepalese Only |
| USD |
7.25% |
Minimum $1,000 or equivalent |
|
| GBP |
5.75% |
|
| EUR |
5.00% |
|
| CAD |
4.75% |
|
| AUD |
5.00% |
|
| Recurring Deposit |
Rates Per Annum |
|
|
| NMB Mero Kramik Khata(Recurring Deposit) |
9.99% |
Multiples of 1,000 |
|
| Call Deposit Rate-LCY |
Upto 2.70% |
|
| Fixed Deposit |
|
|
|
| Products/Tenure |
Institution |
Individual |
|
| 3 Months |
|
9.99% |
|
| 4 Months to Below 6 Months |
|
9.99% |
|
| 6 Months to Below 1 Year |
7.990% |
9.99% |
|
| 1 Year & Above |
7.990% |
9.99% |
|
| Manyajan Muddati (1 year) |
|
9.99% |
|
| Saral Muddati Bachhat Khata (3 months) |
|
9.99% |
|
| NMB Smart FD- 1 year* |
|
9.99% |
|
| Mero Muddati Khata-Tenure: 3 Months & Above |
|
9.99% |
|
| NMB Janmabhumi Muddati Khata (Remittance) - 3 Months & Above |
|
10.99% |
|
| |
|
| *Interest rate for NMB Smart FD for other tenures shall be same as the rates provided for normal FD |
|
| Loan Products |
|
% Per Annum on Base Rate |
|
| Corporate |
|
|
|
| Cash Credit / Overdraft |
BR+ |
Up to 5 |
|
| Working Capital Loan |
Up to 5 |
|
| Trust Receipt Loan |
Up to 5 |
|
| Export Loan |
Up to 5 |
|
| Term Loan |
Up to 5 |
|
| Consortium Loans |
As decided by consortium |
|
| Mid-Corporate |
|
|
|
| Cash Credit / Overdraft |
BR+ |
Up to 5 |
|
| Working Capital Loan |
Up to 5 |
|
| Trust Receipt Loan |
Up to 5 |
|
| Term Loan |
Up to 5 |
|
| Export Loan |
Up to 5 |
|
| Bridge Gap Loan |
Up to 5 |
|
| SME |
|
|
|
| Cash Credit / Overdraft |
BR+ |
Up to 5 |
|
| Working Capital Loan |
Up to 5 |
|
| Term Loan |
Up to 5 |
|
| Trust Receipt Loan |
Up to 5 |
|
| Interest Subsidy Loan |
As per NRB Circular |
|
| M-SME & Agriculture |
|
|
|
| MSME Loan |
BR+ |
Up to 5 |
|
| NMB Sulav Karja |
Up to 5 |
|
| Personal Business Loan |
Up to 5 |
|
| Agriculture Loan |
Up to 5 |
|
| Agriculture Loan (Under Subsidy) |
As Per NRB Circular |
|
| Retail Banking |
|
|
|
| Housing Loan |
BR+ |
Up to 5 |
|
| Land Purchase |
Up to 5 |
|
| Auto Loan |
Up to 5 |
|
| Personal Loan |
Up to 5 |
|
| Professional Loan |
Up to 5 |
|
| Education Loan |
Up to 5 |
|
| NMB Talab Karja |
Up to 5 |
|
| Motorbike Loan |
Up to 5 |
|
| Gold and Silver Loan |
Up to 5 |
|
| Consumer Durable Loan |
Up to 5 |
|
| NMB Sapati |
Up to 5 |
|
| Other |
|
|
|
| Loan Against Bank Guarantees/SBLC** |
BR+ |
Up to 5 |
|
| Loan Against Properties |
Up to 5 |
|
| Personal Overdraft(Retail/SME/MSME/AG) |
Up to 5 |
|
| Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) |
Up to 5 |
|
| Electric Vehicle (Commercial) |
Up to 5 |
|
| Electric Vehicle (Private) |
Up to 5 |
|
| Margin Lending |
Up to 5 |
|
| Loan Against Government Securities* |
Base Rate or Coupon Rate (whichever is higher) plus up to 2% |
|
| Loan Against own FDR* |
|
| Trade Contract Sales-Funded Lines |
BR+ |
Up to 5 |
|
| Energy |
|
|
|
| Energy Project Under Consortium Financing |
As decided by consortium |
|
| Hydropower |
BR+ |
Up to 5 |
|
| Micro Hydro |
Up to 5 |
|
| Solar Related Loan*** |
Up to 5 |
|
| Bio Gas Related |
Up to 5 |
|
| Term Loan |
Up to 5 |
|
| Working Capital |
Up to 5 |
|
| Trust Receipt Loan |
Up to 5 |
|
| Retail Microfinance Loan |
|
|
|
| Structured Low Cost Housing*** |
BR+ |
Up to 5 |
|
| Microfinance retail |
Up to 5 |
|
| Returnee Migrant Loan (Without Subsidy) |
Up to 5 |
|
| Wholesale Microfinance Loan |
|
|
|
| "D Class Banks" & Other Inst |
BR+ |
Up to 5 |
|
| FINGO |
Up to 5 |
|
| Agriculture Co-operatives |
Up to 5 |
|
| Other Co-operatives & Institution |
Up to 5 |
|
| FCY Loan (% per annum) |
Benchmark Rate plus Up to 5 |
|
| Fixed Interest Rate Loan Products |
Interest Rate (% Per Annum) |
|
| Project Financing |
BR+ |
Up to 4 |
|
| Energy Financing |
Interest Rate (% Per Annum) |
|
| Roof-Top Solar |
BR+ |
Up to 4 |
|
| Energy- Brown Field Project |
Up to 4 |
|
| Energy- Green Field Project |
Up to 4 |
|
| Retail Term Loan |
Interest Rate (% Per Annum) |
|
| Home Loan |
BR+ |
Up to 5 |
|
| Land Purchase Loan |
Up to 5 |
|
| Loan Against Property |
Up to 5 |
|
| Education Loan |
Up to 5 |
|
| Personal Loan |
Up to 5 |
|
| Professional Loan |
Up to 5 |
|
| Talab Karja |
Up to 5 |
|
| Auto Loan |
Up to 5 |
|
| Electric Vehicle Loan |
Up to 5 |
|
| Other Term Loan |
Up to 5 |
|
| * Rate applicable as per tie up agreement. |
|
| **For Consortium Loan-Rate applicable as per consortium decision |
|
| ***Applicable for new loans only |
|
| Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts |
|
| - Interest rate for environmental friendly housing (green homes) will be 0.5% lesser |
|
| - Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives. |
|
| - Interest Payment Frequency on all the Deposit Products will be on Quarterly Basis |
|
