|
Effective Date : Jestha 1, 2079 (May 15, 2022)
Base Rate and Interest Rate of Past Three Years |
| Deposit Products |
|
|
|
| LCY Saving Deposits |
Rates Per Annum |
Minimum Balance (NPR) |
|
| Saral Muddati Bachhat Khata |
8.03% |
NIL |
|
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) |
6.03% |
1,000 |
|
| NMB Premium Super Talab Khata |
8.03% |
NIL |
|
| NMB Super Talab Khata |
6.03% |
NIL |
|
| NMB Sahara Bachat Khata |
6.03% |
1,000 |
|
| NMB Umanga Bachat Khata |
6.03% |
100 |
|
| NMB Talab Khata |
6.03% |
NIL |
|
| NMB Manyajan Bachat Khata |
6.03% |
NIL |
|
| Nari Bachat Khata |
6.03% |
100 |
|
| Atulya Bachat Khata |
6.03% |
NIL |
|
| Sulav Muddati Savings |
6.03% |
NIL |
|
| Micro Bachat Khata |
6.03% |
NIL |
|
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) |
6.03% |
100 (100 Deposited by Bank) |
|
| Social Security Savings |
6.03% |
NIL |
|
| Surakchhit Jeevan Bachat Khata |
6.03% |
1,000 |
|
| Namaste Savings |
6.03% |
10,000 |
|
| Metro Card Savings |
6.03% |
100 |
|
| Metro POS Savings |
6.03% |
100 |
|
| NMB Smart Savings - Digital |
6.03% |
NIL |
|
| Normal DO Savings |
6.03% |
NIL |
|
| NMB Jeevan Chakra |
6.03% |
5,000 to 50,000 |
|
| NMB Samman Bachat Khata |
6.03% |
10,000 |
|
| NMB Investor Savings |
6.03% |
NIL |
|
| NMB You-Wah Digi Savings |
8.03% |
NIL |
|
| NMB Sahara Gold |
8.03% |
1,00,000 |
|
| NMB Ujyalo Karmachari Bachat Khat |
8.03% |
NIL |
|
| NMB Ujyalo Pension Bachat Khata |
8.03% |
NIL |
|
| FCY Deposits |
Rates Per Annum |
|
|
| US Dollar Savings |
3.00% |
NIL |
|
| GBP Savings |
2.00% |
NIL |
|
| EUR Savings |
1.00% |
NIL |
|
| CAD Savings |
1.00% |
NIL |
|
| AUD Savings |
1.00% |
NIL |
|
| Other Fcy Savings |
Upto 1% |
NIL |
|
| NMB Namaste FCY FD (min. 1 years) *product for Non Resident Nepalese Only |
| USD |
4.00% |
Minimum $10,000 or equivalent |
|
| GBP |
3.10% |
|
| EUR |
3.00% |
|
| CAD |
3.00% |
|
| AUD |
4.00% |
|
| Recurring Deposit |
Rates Per Annum |
|
|
| NMB Mero Kramik Khata(Recurring Deposit) |
11.03% |
1,000/5,000/10,000/25,000/50,000 |
|
| Call Deposit Rate |
Up to 50% of minimum Saving Interest Rate |
|
| |
|
|
|
| Fixed Deposit |
| Products/Tenure |
Institution |
Individual |
| |
New |
Renewals (Bidding) |
| 3 Months |
10.03% |
10.13% |
11.03% |
| 4 Months to Below 1 Year |
10.03% |
10.13% |
11.03% |
| 1 Year and Above |
10.03% |
10.13% |
11.03% |
| Manyajan Muddati (1 year) |
|
|
11.03% |
| Saral Muddati Bachhat Khata |
|
|
11.03% |
| NMB Smart FD- 1 year* |
|
|
11.03% |
| Mero Muddati Khata-Tenure: 3 Months and Above |
|
|
11.03% |
| Note: 1% additional interest rate on above mentioned Individual Deposits will be applicable for inward remittance |
| *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 6 |
|
| Working Capital Loan |
Up to 6 |
|
| Trust Receipt Loan |
Up to 6 |
|
| Export Loan |
Up to 6 |
|
| Term Loan |
Up to 6 |
|
| Consortium Loans |
As decided by consortium |
|
| Mid-Corporate |
|
|
|
| Cash Credit / Overdraft |
BR+ |
Up to 6 |
|
| Working Capital Loan |
Up to 6 |
|
| Trust Receipt Loan |
Up to 6 |
|
| Term Loan |
Up to 6 |
|
| Export Loan |
Up to 6 |
|
| Bridge Gap Loan |
Up to 6 |
|
| SME |
|
|
|
| Cash Credit / Overdraft |
BR+ |
Up to 6 |
|
| Working Capital Loan |
Up to 6 |
|
| Term Loan |
Up to 6 |
|
| Trust Receipt Loan |
Up to 6 |
|
| Interest Subsidy Loan |
As per NRB Circular |
|
| M-SME & Agriculture |
|
|
|
| MSME Loan |
BR+ |
Up to 6 |
|
| NMB Sulav Karja |
Up to 6 |
|
| Personal Business Loan |
Up to 6 |
|
| Agriculture Loan |
Up to 6 |
|
| Agriculture Loan (Under Subsidy) |
As Per NRB Circular |
|
| Retail Banking |
|
|
|
| Housing Loan |
BR+ |
Up to 6 |
|
| Land Purchase |
Up to 6 |
|
| Auto Loan |
Up to 6 |
|
| Personal Loan |
Up to 6 |
|
| Professional Loan |
Up to 6 |
|
| Education Loan |
Up to 6 |
|
| NMB Talab Karja |
Up to 6 |
|
| Motorbike Loan |
Up to 6 |
|
| Gold and Silver Loan |
Up to 6 |
|
| Consumer Durable Loan |
Up to 6 |
|
| NMB Sapati |
Up to 6 |
|
| Other |
|
|
|
| Loan Against Bank Guarantees/SBLC** |
BR+ |
Up to 6 |
|
| Loan Against Properties |
Up to 6 |
|
| Personal Overdraft(Retail/SME/MSME/AG) |
Up to 6 |
|
| Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) |
Up to 6 |
|
| Electric Vehicle (Commercial) |
Up to 6 |
|
| Electric Vehicle (Private) |
Up to 6 |
|
| Margin Lending |
Up to 6 |
|
| Loan Against Government Securities* |
Base Rate or Coupon Rate (whichever is higher) plus up to 2% |
|
| Loan Against own FDR* |
|
| Energy |
|
|
|
| Energy Project Under Consortium Financing |
As decided by consortium |
|
| Hydropower |
BR+ |
Up to 6 |
|
| Micro Hydro |
Up to 6 |
|
| Solar Related Loan*** |
Up to 6 |
|
| Bio Gas Related |
Up to 6 |
|
| Term Loan |
Up to 6 |
|
| Working Capital |
Up to 6 |
|
| Trust Receipt Loan |
Up to 6 |
|
| Retail Microfinance Loan |
|
|
|
| Structured Low Cost Housing*** |
BR+ |
Up to 6 |
|
| Microfinance retail |
Up to 6 |
|
| Returnee Migrant Loan (Without Subsidy) |
Up to 6 |
|
| Wholesale Microfinance Loan |
|
|
|
| "D Class Banks" & Other Inst |
BR+ |
Up to 6 |
|
| FINGO |
Up to 6 |
|
| Agriculture Co-operatives |
Up to 6 |
|
| Other Co-operatives & Institution |
Up to 6 |
|
| FCY Loan |
Benchmark Rate plus Up to 6% |
|
| Fixed Interest Rate Loan Products |
Fixed Tenure |
Interest Rate |
| Project Financing |
BR + Up to 4% |
| Energy Financing |
% Per Annum |
| Roof-Top Solar |
BR + Up to 4% |
| Energy- Brown Field Project |
| Energy- Green Field Project |
| Retail Term Loan |
% Per Annum |
| Home Loan |
BR + Up to 6% |
| Land Purchase Loan |
| Loan Against Property |
| Education Loan |
| Personal Loan |
| Professional Loan |
| Talab Karja |
| Auto Loan |
| Electric Vehicle Loan |
| Other Term Loan |
| Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts |
| * Rate applicable as per tie up agreement. |
| **For Consortium Loan-Rate applicable as per consortium decision |
| ***Applicable for new loans only |
| Interest rate for environmental friendly housing (green homes) will be 0.5% lesser |
