Interest Rate Loans

    Effective From:  1 Falgun 2080 (Feburary 13, 2024)

    LENDING Premium (% Per annum) on Base Rate
    Floating Interest Rate on Loans  
    Corporate  0.5 to 2.50
    Agriculture Loan  0.5 to 2.00
    MSME/ SME (Productive as per NRB) 0.5 to 2.00
    MSME/ SME (Others) 1 to 3.00
    Education Loan 2.00 to 3.50
    Deprived Sector Upto 2.00
    Home Loan  0.50 to 2.50
    Personal Term Loan 1.5 to 3.50
    Personal Overdraft Loan 2.5 to 3.50
    Auto Loan (Private) 1.5 to 3.50
    Hire Purchase (Commercial) 2.50 to 3.50
    Real Estate 2 to 3.50
    Margin Lending 1.25 to 3.25
    Loan Against First Class Bank Guarantees Upto 3.00
    Loan Against Deposit of KBL Coupon rate + 2.00 %  or RABAR  whichever is higher
    Loan Against Government Securities Coupon rate + 2.00 %  or RABAR  whichever is higher
    Other Loan 2 to 3.5
    Professional Loan 3.00 to 3.5
    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 10.49%
    For Other Individual Term Loans Up to 7 Years 11.49%
    For SME/MSME Up to 7 years 10.99%
    Base Rate of Poush 2080 10.28%
    Interest Spread Poush 2080 3.98%
    Note:
    1.Terms and conditions for various savings deposits, fixed deposits and loan against FD will be as per the prevailing bank rule.
    2. Interest rate on consortium financing shall be as per consortium decision.                                                                                           
    3. In case of any regulated loan, premium rates shall be applicable as per the circulars issued by NRB. 
    4. Interest rate's difference on similar nature loans shall be as per circular no. 03/080/81 dated 2080/06/18 issued by NRB.
    5. For remit FD,  bank can provide minimum 1% over published rate of respective currency.
    6. In  case of bidding, Bank can provide up to 0.5% additional interest over published rate. 
    7. Interest rate on akshayakosh deposit shall be negotiable.
    8. All other terms and conditions of products and services shall remain unchanged.
    *3 months and above for individual & 6 months and above for institutions.