| LENDING |
Premium (% Per annum) on Base Rate |
| Floating Interest Rate on Loans |
|
| Corporate |
up to 2.00 |
| Agriculture Loan |
up to 2.00 |
| MSME/ SME (Productive as per NRB) |
0.5 to 2.00 |
| MSME/ SME (Others) |
0.5 to 2.50 |
| Education Loan |
2.00 to 3.50 |
| Deprived Sector |
Upto 2.00 |
| Home Loan (Prime) |
Upto 2.00 |
| Home Loan |
0.50 to 2.50 |
| Personal Term Loan |
0.5 to 2.50 |
| Personal Overdraft Loan |
2.5 to 3.50 |
| Auto Loan (Private) |
1.00 to 3.00 |
| Hire Purchase (Commercial) |
2.50 to 3.50 |
| Real Estate |
2 to 3.50 |
| Margin Lending |
1.00 to 3.00 |
| Loan Against First Class Bank Guarantees |
Upto 2.00 |
| Loan Against Fixed Deposit** |
Coupon rate + 2.00 or RABR + 0.25 whichever is higher |
| Loan Against Government Securities |
Coupon rate + 2.00 or RABR + 0.25 whichever is higher |
| Other Loan |
2.00 to 3.50 |
| Professional Loan |
3.00 to 3.50 |
| FCY Denominated Loans |
Available on Request |
| FCY TR Loan |
Available on Request |
| Fixed Interest Rate on Loan |
|
| Types of Loan |
Rate Fixed for |
Interest Rate Per Annum |
| For Home Loan |
Up to 7 Years |
9.49% |
| For Other Individual Mortgage Loans (Term Loan) |
Up to 7 Years |
9.99% |
| For SME/MSME |
Up to 7 years |
9.99% |
| Base Rate of Jestha 2081 |
9.29% |
| Interest Spread Jestha 2081 |
3.80% |
