Interest Rate of Past Three Years Base Rate Average Interest Spread
Effective Date : Bhadra 1, 2080 (August 14, 2023)
Deposits
| Savings Deposit (NPR) | Rates Per Annum | Minimum Balance (NPR) |
| NMB Janmabhumi Bachat Khata (Remittance) | 8.98% | NIL |
| NMB You-Wah Digi Savings | 7.50% | NIL |
| NMB Sahara Gold | 7.98% | 5,000 |
| NMB Smart Nari Bachat Khata | 7.98% | NIL |
| Saral Muddati Bachhat Khata | 7.98% | NIL |
| NMB Premium Super Talab Khata | 7.98% | NIL |
| NMB Manyajan Bachat Khata | 7.98% | NIL |
| NMB Ujyalo Pariwar Bachat Khata | 7.98% | NIL |
| NMB Ujyalo Pension Bachat Khata | 7.98% | NIL |
| Aapan NMB Bachat Khata (For Madhesh Pradesh Only) | 7.98% | NIL |
| Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) | 7.98% | NIL |
| NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) | 7.98% | NIL |
| Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) | 7.98% | NIL |
| NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) | 7.98% | NIL |
| NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) | 7.98% | NIL |
| NMB Investor Savings | 5.98% | NIL |
| NMB Jeevan Chakra | 5.98% | 5,000 to 50,000 |
| NMB Umanga Bachat Khata | 5.98% | 100 |
| Nari Bachat Khata | 5.98% | 100 |
| Metro Card Savings | 5.98% | 100 |
| Metro POS Savings | 5.98% | 100 |
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 5.98% | 1,000 |
| NMB Sahara Bachat Khata | 5.98% | 1,000 |
| Surakchhit Jeevan Bachat Khata | 5.98% | 1,000 |
| Namaste Savings | 5.98% | 10,000 |
| NMB Samman Bachat Khata | 5.98% | 10,000 |
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 5.98% | 100 (100 Deposited by Bank) |
| NMB Super Talab Khata | 5.98% | NIL |
| NMB Talab Khata | 5.98% | NIL |
| Atulya Bachat Khata | 5.98% | NIL |
| Sulav Muddati Savings | 5.98% | NIL |
| Micro Bachat Khata | 5.98% | NIL |
| Social Security Savings | 5.98% | NIL |
| NMB Smart Savings - Digital | 5.98% | NIL |
| Normal DO Savings | 5.98% | NIL |
| Call Deposit (NPR) | Upto 2.99% |
| Fixed Deposit (NPR) | Individual | Institution | |
| 3 Months to Below 6 Months | 9.00% | - | |
| 6 Months to Below 9 Months | 9.10% | 7.25% | |
| 9 Months to Below 1 Year | 9.25% | 7.50% | |
| 1 Year & Above (For Institutional Only) | - | 7.99% | |
| 1 Year to Below 2 Years | 9.50% | - | |
| 2 Years to Below 10 Years | 9.75% | - | |
| 10 Years & Above | 10.93% | - | |
| Manyajan Muddati (1 year) | 9.50% | - | |
| Saral Muddati Bachhat Khata (3 months) | 9.00% | - | |
| NMB Janmabhumi Muddati Khata (Remittance) - 3 Months & Above | Plus 1% on tenure based Individual FD rate | - | |
| Recurring Deposit | |||
| NMB Mero Kramik Khata (Recurring Deposit) | Multiples of 1,000.00 | 9.50% | |
| Interest Rate of Foreign Currency Deposits (% p.a.) | |||
| Deposits FCY (Individual/ Institiution*) | Fixed 3 Months and Above | Savings Deposit Rate | Call Deposit |
| US Dollar | 7.25% | 5.75% | 50% of FCY Savings Rate |
| Great Britain Pound | 5.75% | 4.50% | |
| EURO | 4.70% | 4.00% | |
| Canadian Dollar | 4.75% | 4.25% | |
| Australian Dollar | 4.75% | 3.75% | |
| Japanese Yen | 3.25% | 2.00% | |
| Chinese Yuan | 4.00% | 3.00% | |
| Other FCY Deposits | Central Bank rate plus Up to 4% | Central Bank rate plus Up to 2.5% | |
| * Institutional FCY Fixed Deposit tenure shall be six months and above. | |||
| NMB Namaste FCY FD (min. 1 years) for Non Resident Nepalese Only | |||
| US Dollar | 7.25% | Minimum $1,000 or equivalent | |
| Great Britain Pound | 5.75% | ||
| EURO | 5.00% | ||
| Canadian Dollar | 4.75% | ||
| Australian Dollar | 5.00% | ||
Loans
| Loan Products | % Per Annum on Base Rate | |
| Corporate | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Export Loan | Up to 5 | |
| Term Loan | Up to 5 | |
| Consortium Loans | As decided by consortium | |
| Project Finance | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Export Loan | Up to 5 | |
| Term Loan | Up to 5 | |
| Consortium Loans | As decided by consortium | |
| Mid-Corporate | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Term Loan | Up to 5 | |
| Export Loan | Up to 5 | |
| SME & MSME | ||
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Term Loan | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Interest Subsidy Loan | As per NRB Circular | |
| Other SME & MSME Loans | BR+ | Up to 5 |
| Agriculture | Up to 5 | |
| Cash Credit / Overdraft | Up to 5 | |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Term Loan | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Interest Subsidy Loan | As per NRB Circular | |
| Retail Loans | ||
| Home Loan | BR+ | Up to 5 |
| Land Purchase Loan | Up to 5 | |
| Auto Loan | Up to 5 | |
| Personal Loan | Up to 5 | |
| Education Loan | Up to 5 | |
| NMB Talab Karja | Up to 5 | |
| Other Retail Loans | Up to 5 | |
| Energy | % Per Annum on Base Rate | |
| Cash Credit / Overdraft | BR+ | Up to 5 |
| Energy Project Under Consortium Financing | As decided by consortium | |
| Hydropower | BR+ | Up to 5 |
| Energy Efficiency Project | Up to 5 | |
| Micro Hydro | Up to 5 | |
| Solar Related Loan | Up to 5 | |
| Bio Gas Related/Waste to Energy | Up to 5 | |
| Term Loan | Up to 5 | |
| Working Capital Loan (Regular & Term) | Up to 5 | |
| Trust Receipt Loan | Up to 5 | |
| Retail Microfinance Loan | ||
| Structured Low Cost Housing | BR+ | Up to 5 |
| Microfinance retail | Up to 5 | |
| Woman Enterprernureship Loan | Up to 5 | |
| Returnee Migrant Loan (Without Subsidy) | Up to 5 | |
| Wholesale Microfinance Loan | ||
| "D Class Banks" & Other Inst | BR+ | Up to 5 |
| Agriculture Co-operatives | Up to 5 | |
| Other Co-operatives & Institution | Up to 5 | |
| Other Loans | % Per Annum on Base Rate | |
| Loan Against Bank Guarantees/SBLC | BR+ | Up to 5 |
| Loan Against Properties | Up to 5 | |
| Personal Overdraft | Up to 5 | |
| Personal Loan/Loan Against Securities | Up to 5 | |
| Electric Vehicle (Commercial) | Up to 5 | |
| Electric Vehicle (Private) | Up to 5 | |
| Margin Lending | Up to 5 | |
| Loan Against Government Securities* | Base Rate or Coupon Rate (whichever is higher) plus up to 2% | |
| Loan Against own Fixed Deposit Receipt* | ||
| Trade Contract Sales-Funded Lines | BR+ | Up to 5 |
| FCY Loan (% per annum) | Benchmark Rate plus Up to 5 | |
| Fixed Interest Rate Loan Products | Interest Rate (% Per Annum) | |
| Project Financing | BR+ | Up to 4 |
| Energy Financing | Interest Rate (% Per Annum) | |
| Roof-Top Solar | BR+ | Up to 4 |
| Energy- Brown Field Project | Up to 4 | |
| Energy- Green Field Project | Up to 4 | |
| Fixed Rate Retail | ||
| a) Fixed Rate Home Loan | Interest Rate (% Per Annum) | |
| Home Loan-Fixed Up to 15 Yrs** | BR+ | 11.99% |
| Home Loan (Fixed Plus Floating) up to 20Yrs*** | 11.49% | |
| b) Fixed Rate: Other Retail Term Loan- Loans | Interest Rate (% Per Annum) | |
| Up to 5 Years | BR+ | Up to 5 |
| Above 5 Years to 10 Years | Up to 5 | |
| Above 10 Years | Up to 5 | |
| c) Fixed Rate Electric Vehicle Loan | Interest Rate (% Per Annum) | |
| Up to 5 years | BR+ | 12.49% |
* Rate applicable as per tie up agreement.
**Minimum tenure 7 yrs for fixed rate; post fixed tenure: Prevailing BR+2.99%
***Fixed rate for exact 7 Yrs, for remaining tenure: Prevailing BR+ 2.99%
Notes:
Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts
Interest rate for environmental friendly housing (green homes) will be 0.5% lesser
Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives.
Interest rate for Subsidy Loan shall be as per NRB Directive
Benchmark Rate: as per NRB directive
