Interest Rate of Past Three Years Base Rate Average Interest Spread
Effective Date : Ashwin 1, 2080 (September 18, 2023)
Deposits
| Savings Deposit (NPR) | Interest Rates (% Per Annum) | Minimum Balance (NPR) |
| NMB You-Wah Digi Savings | 5.00% | NIL |
| NMB Sahara Gold | 7.00% | NIL |
| NMB Smart Nari Bachat Khata | 5.00% | NIL |
| Saral Muddati Bachhat Khata | 5.00% | NIL |
| NMB Premium Super Talab Khata | 7.00% | NIL |
| NMB Manyajan Bachat Khata | 5.00% | NIL |
| NMB Ujyalo Pariwar Bachat Khata | 7.00% | NIL |
| NMB Ujyalo Pension Bachat Khata | 7.00% | NIL |
| Aapan NMB Bachat Khata (For Madhesh Pradesh Only) | 7.00% | NIL |
| Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) | 7.00% | NIL |
| NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) | 7.00% | NIL |
| Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) | 7.00% | NIL |
| NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) | 7.00% | NIL |
| NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) | 7.00% | NIL |
| NMB Investor Savings | 5.00% | NIL |
| NMB Jeevan Chakra | 5.00% | 5,000 to 50,000 |
| NMB Umanga Bachat Khata | 5.00% | 100 |
| Nari Bachat Khata | 5.00% | 100 |
| Metro Card Savings | 5.00% | 100 |
| Metro POS Savings | 5.00% | 100 |
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 5.00% | 1,000 |
| NMB Sahara Bachat Khata | 5.00% | 1,000 |
| Surakchhit Jeevan Bachat Khata | 5.00% | 1,000 |
| Namaste Savings | 5.00% | 10,000 |
| NMB Samman Bachat Khata | 5.00% | 10,000 |
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 5.00% | 100 (100 Deposited by Bank) |
| NMB Super Talab Khata | 5.00% | NIL |
| NMB Talab Khata | 5.00% | NIL |
| Atulya Bachat Khata | 5.00% | NIL |
| Sulav Muddati Savings | 5.00% | NIL |
| Micro Bachat Khata | 5.00% | NIL |
| Social Security Savings | 5.00% | NIL |
| NMB Smart Savings - Digital | 5.00% | NIL |
| Normal DO Savings | 5.00% | NIL |
| NMB Janmabhumi Bachat Khata (Remittance) | 9.25% | NIL |
| Call Deposit (NPR) | Upto 2.50% |
| Fixed Deposit (NPR) | Individual | Institution | |
| 3 Months to Below 6 Months | 8.10% | - | |
| 6 Months to Below 9 Months | 8.25% | 7.99% | |
| 9 Months to Below 1 Year | 8.75% | 7.99% | |
| 1 Year & Above (For Institutional Only) | - | 7.99% | |
| 1 Year to Below 2 Years | 9.99% | - | |
| 2 Years to Below 10 Years | 9.99% | - | |
| 10 Years & Above | 9.99% | - | |
| Manyajan Muddati (1 year) | 9.99% | - | |
| Saral Muddati Bachhat Khata (3 months) | 8.10% | - | |
| NMB Janmabhumi Muddati Khata (Remittance) - 3 Months & Above | Plus 1% on tenure based Individual FD rate | - | |
| Recurring Deposit | |||
| NMB Mero Kramik Khata (Recurring Deposit) | Multiples of 1,000 | 9.99% | |
| Interest Rate of Foreign Currency Deposits (% p.a.) | |||
| Deposits FCY (Individual/ Institiution*) | Fixed 3 Months and Above | Savings Deposit Rate | Call Deposit |
| US Dollar | 7.00% | 5.75% | Up to Benchmark Rate |
| Great Britain Pound | 5.50% | 4.50% | |
| EURO | 4.50% | 4.00% | |
| Canadian Dollar | 4.50% | 4.25% | |
| Australian Dollar | 4.50% | 3.75% | |
| Japanese Yen | 3.00% | 2.00% | |
| Chinese Yuan | 3.00% | 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) for Non Resident Nepalese Only | |||
| US Dollar | 7.25% | Minimum $1,000 or equivalent | |
| Great Britain Pound | 5.75% | ||
| EURO | 5.00% | ||
| Canadian Dollar | 4.75% | ||
| Australian Dollar | 5.00% | ||
Loans
| Loan Products | Interest Rate (% Per Annum) | |
| Corporate | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | 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 | |
| Project Finance | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | 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 (Regular & Term) | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Term Loan | Up to 5 | |
| Export Loan | Up to 5 | |
| SME & MSME | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Term Loan | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Interest Subsidy Loan | As per NRB Circular | |
| Other SME & MSME Loans | BR+ | Up to 5 |
| Agriculture | Up to 5 | |
| Cash Credit / Overdraft | Up to 5 | |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Term Loan | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Interest Subsidy Loan | As per NRB Circular | |
| Retail Loans | ||
| Home Loan | BR+ | Up to 5 |
| Land Purchase Loan | Up to 5 | |
| Auto Loan | Up to 5 | |
| Personal Loan | Up to 5 | |
| Education Loan | Up to 5 | |
| NMB Talab Karja | Up to 5 | |
| Other Retail Loans | Up to 5 | |
| Energy | Interest Rate (% Per Annum) | |
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Energy Project Under Consortium Financing | As decided by consortium | |
| Hydropower | BR+ | Up to 5 |
| Energy Efficiency Project | Up to 5 | |
| Micro Hydro | Up to 5 | |
| Solar Related Loan | Up to 5 | |
| Bio Gas Related/Waste to Energy | Up to 5 | |
| Term Loan | Up to 5 | |
| Working Capital Loan (Regular & Term) | 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 | |
| Woman Enterprernureship Loan | Up to 5 | |
| Returnee Migrant Loan (Without Subsidy) | Up to 5 | |
| Wholesale Microfinance Loan | ||
| "D Class Banks" & Other Inst | BR+ | Up to 5 |
| Agriculture Co-operatives | Up to 5 | |
| Other Co-operatives & Institution | Up to 5 | |
| Other Loans | Interest Rate (% Per Annum) | |
| Loan Against Bank Guarantees/SBLC | BR+ | Up to 5 |
| Loan Against Properties | Up to 5 | |
| Personal Overdraft | Up to 5 | |
| Personal Loan/Loan Against Securities | 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 Fixed Deposit Receipt* | ||
| Trade Contract Sales-Funded Lines | BR+ | 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 | |
| Fixed Rate Retail | ||
| a) Fixed Rate Home Loan | Interest Rate (% Per Annum) | |
| Home Loan-Fixed Up to 15 Yrs** | 11.99% | |
| Home Loan (Fixed Plus Floating) up to 20Yrs*** | 11.49% | |
| b) Fixed Rate: Other Retail Term Loan- Loans | Interest Rate (% Per Annum) | |
| Up to 5 Years | BR+ | Up to 5 |
| Above 5 Years to 10 Years | Up to 5 | |
| Above 10 Years | Up to 5 | |
| c) Fixed Rate Electric Vehicle Loan | Interest Rate (% Per Annum) | |
| Up to 5 years | 12.49% | |
* Rate applicable as per tie up agreement.
**Minimum tenure 7 yrs for fixed rate; post fixed tenure: Prevailing BR+2.99%
***Fixed rate for exact 7 Yrs, for remaining tenure: Prevailing BR+ 2.99%
Notes:
- 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 rate for Subsidy Loan shall be as per NRB Directive
- Benchmark Rate: as per NRB directive
