Effective From 18th Baisakh 2074 (May 1, 2017)

S.No.ParticularsInterest Rate p. a. 
1 Deprived Sector Loan Institutional 8.00 % - 11.00 % 
Others 11.00 % - 14.00 %
2 Export Finance 9.50 % - 11.50 %
3 Trust Receipt (Import Finance) 9.50 % - 11.50 % 
4 Short Term Loan (Import Financing) 10.50 % - 12.50 %  
5 Loan against local LC (Purchase Finance) 11.00 % - 13.00 %   
6 Term Loan 11.00 % - 14.00 %
7 Overdraft / Cash Credit 11.00 % - 14.00 %
8 Demand Loan (Working Capital Financing) 11.00 % - 14.00 %
9 Pledge Loan  11.00 % - 14.00 %
10 Contract Loan 13.00 % - 16.00 %
11 Housing Loan 
  Loan Period upto 10 years 10.50 % to 12.50%
  Loan Period more than 10 years 11.00 % to 13.00% 
12 Gold Loan 13.00 % to 15.00% 
13 Hire Purchase Loan
  Coverage tie up with mortgage collateral security 11.00 % -  13.00 %
  No coverage / no tie up with collateral security 13.00 % -  15.00 %
  Construction equipments with collateral tie up 12.00 % -   14.00 % 
 14 Personal Auto Loan Brand New Vehicle- 11.00 % - 14.00 %
Used Vehicle - 13.00 % - 16.00 %
15 Mortgage Loan  
  Revolving (Below Rs 5 million ) 13.00 % - 15.00 %
  Revolving (Rs 5 million & Above)  14.00 % - 16.00 % 
  Schedule (Below Rs 5 million )  12.00 % - 14.00 % 
  Schedule  (Rs 5 million & Above)  12.50 % - 14.50 % 
16 NB Professional Loan 13.00 % - 15.00 % 
17 Education Loan 12.00 % - 14.00 %
18 Margin Lending 12.00 % - 15.00 % 
19 Loan against own FDR Plus 1.50% or min. 11%
20 Loan Against Foreign bank's guarantee 10.00 % - 12.00 %
21 Other Loan / Force Loan 16.00 % - 18.00 %
22 Consortium Loan As  per consortium decision
23 Special product loan As per product paper

*Conditions Apply
*Refinancing Interest rate shall be applicable as per NRB Provision.

 

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