Revision of Interest Rates effective from March 14, 2010.
Saving Deposits
|
|
S. No.
|
Particulars
|
Interest Rates
|
|
1.
|
Normal Saving
|
6.00%
|
|
2.
|
Saving Plus
|
6.50%
|
|
3.
|
Grihini Bachat
|
6.25%
|
|
4.
|
Super Saving Plus
|
6.50%
|
|
5.
|
NB Saral Bachat Khata
|
4.00%
|
|
6.
|
Abroad Saving Deposit
|
6.00%
|
|
7.
|
NB Share Dhani Bachat Khata (NEW)
|
7.00%
|
| Structure Saving Plus (For minnimum balance maintained) |
| |
NPR Rs 1,00,000 |
7.00% |
| |
NPR Rs 5,00,000 |
7.50% |
| |
NPR Rs 10,00,000 |
8.00% |
Fixed Deposits
|
|
S. No.
|
Particulars
|
Interest Rates
|
|
1
|
Below 6 Months
|
7.00%
|
|
2
|
6-12 Months
|
10.50%
|
|
3
|
1 Year
|
11.00%
|
|
5
|
2 Year
|
11.50%
|
|
6
|
2 Years and above
|
12.00%
|
-
Loan and Advances
|
|
S.No.
|
Particulars
|
Prime |
Others |
|
1
|
Deprived
|
9.50%
|
11.50%
|
|
2
|
Export Finance
|
11.00%
|
13.00%
|
|
3
|
Import Loan
|
11.00%
|
13.00%
|
|
4
|
Term Loan
|
12.50%
|
14.50%
|
|
5
|
Working Capital Loan
|
12.50%
|
14.50%
|
|
6
|
Mortgage Loan
|
15.00%
|
17.00%
|
|
7
|
Hire Purchase Loan |
|
A
|
Commercial
|
12.00%
|
13.50%
|
|
B
|
Personal / Professional
|
11.50%
|
13.00%
|
|
C
|
Construction Equipments
|
11.00%
|
12.50%
|
|
8
|
Housing Loan
|
|
A
|
Upto 5 years
|
12.00%
|
13.00%
|
|
B
|
Upto 10 years
|
12.50%
|
13.50%
|
|
C
|
Upto 15 years
|
13.00%
|
14.50%
|
|
D
|
Upto 20 years
|
13.50%
|
15.50%
|
|
9
|
Education Loan
|
16.00%
|
|
10
|
Loan Against FDR of
|
|
A
|
NB Bank (own )
|
Plus 2%
|
|
B
|
Other Banks
|
Plus 2% or min14%
|
|
11
|
Loan against
|
|
A
|
Foreign bank's guarantee
|
11.00%-13.00% (Based on ECA country risk)
|
|
B
|
Government / NRB Bond
|
12.00%
|
|
C
|
Foreign Currency FDR
|
Plus 2%
|
|
12
|
Other Loan
|
16.00%
|
17.00%
|
|
13
|
Consortium Loan
|
As per the decision of consortium
|
Note: Penal interest will be charged @3.00% from the expiry date on overdue principal portion of loan and past due interest. Above mentioned rate of Export finance and Import Loan will be applied only in the case of FCY transaction. |
