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 |