NMB Bank

Interest rate

Effective Date : Chaitra 14, 2075 (March 28, 2019)

Deposit Products (Rates Per annum)   Minimum Balance Interest Payment
LCY Saving Deposits Rates Per annum
NMB Sahara Bachat 6.50%   NPR 1000 Quarterly
NMB Umanga Bachat 6.50%   NPR 500 (For Kathmandu Valley Branches), NPR 100 For Outside Valley Branches Quarterly
NMB Talab Khata 6.50%   NIL Quarterly
Nari-Samman Bachat Khata 5.50%   NPR. 2,000 Quarterly
Sulav Remit Savings 4.50%   NIL Quarterly
NMB Manyajan Bachat 4.50%   NIL Quarterly
NMB Smart Khata 4.50%   NPR. 100 Quarterly
NMB Saral bachat 5.00%   NPR. 5,000 Quarterly
Nari Bachat 4.50%   NPR.100 Quarterly
NMB Delight Savings 5.00%   NPR.1,000 Quarterly
Atulya Bachat 4.50%   NIL Quarterly
NMB Share Khata 4.50%   NIL Quarterly
Payroll Savings 4.50%   NIL Quarterly
Young Saver's Account 4.50%   NPR.100 Quarterly
Normal Savings 4.50%   NPR.1,000 Quarterly
Sulav Muddati Savings 4.50%   NIL Quarterly
Swecchik Bachat Khata 4.50%   NIL Quarterly
Anibarya Bachat Khata 4.50%   NIL Quarterly
Micro Bachat Khata 4.50%   NIL Quarterly
Hydro Deposits (Available only for existing Account Holders) 4.50%   NIL Quarterly
SSF Savings 4.50%   NIL Quarterly
FCY DEPOSITS        
US Dollar Savings 3.50% p.a.      
GBP Savings 1.00% p.a.      
EUR Savings 0.25% p.a.      
Recurring Deposit        
Recurring Education Plan 6.00%    NPR 500 Quarterly
Khutruke Bachat 5.00%   NPR 100 Quarterly
Surakchhit Bal Saichhik Khata 6.50%   NPR 100 Quarterly
Fixed Deposit Rates Per Annum
Tenure Institution Individual  
  New Renewal  
1 Month to Below 3 Months 8.50%  8.60% - Quarterly
3 Months to Below 1 Year 8.50% 8.60% 9.25% Quarterly
1 year & above 8.50%        8.60% 9.25% Quarterly
Manyajan Muddati (1 year) - - 9.25% Quarterly
Loan Products % Per Annum on Base Rate
Corporate     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 2 2 to 4 4 to 6
Working Capital Loan Up to 2 2 to 4 4 to 6
Trust Receipt Loan Up to 2 2 to 4 4 to 6
Export Loan Up to 2 2 to 4 4 to 6
Term Loan Up to 3 3 to 5 5 to 6
Consortium Loans As decided by consortium
Mid-Corporate     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 2 2 to 4 4 to 6
Working Capital Loan Up to 2 2 to 4 4 to 6
Trust Receipt Loan Up to 2 2 to 4 4 to 6
Term Loan Up to 2 2 to 4 4 to 6
Export Loan Up to 2 2 to 4 4 to 6
Bridge Gap Loan Up to 2 2 to 4 4 to 6
SME     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 3 3 to 4 4 to 6
Working Capital Loan Up to 3 3 to 4 4 to 6
Term Loan Up to 3 3 to 4 4 to 6
Trust Receipt Loan Up to 3 3 to 4 4 to 6
M-SME & Agriculture     Prime Standard Others
MSME Loan BR+   Up to 3.5 3.5 to 5 5 to 6
NMB Sulav Karja Up to 3.5 3.5 to 5 5 to 6
Personal Business Loan Up to 3.5 3.5 to 5 5 to 6
Agriculture Loan Up to 3.5 3.5 to 5 5 to 6
Agriculture Loan (Under Subsidy) As Per NRB Circular
Retail Banking     Prime Standard Others
Housing Loan BR+   Up to 2 2 to 4 4 to 6
Land Purchase Up to 3 3 to 4 4 to 6
Auto Loan Up to 4 4 to 5 5 to 6
Personal Loan Up to 3 3 to 5 5 to 6
Professional Loan Up to 3 3 to 5 5 to 6
Education Loan Up to 3 3 to 4 4 to 6
Motorbike Loan - - Up to 6
Consumer Durable Loan     6
Other     Prime Standard Others
Loan Against Government Securities* Base Rate+2% or Coupon Rate+2% whichever is higher
Loan Against own FDR*
Loan Against Bank Guarantees/SBLC** BR+       2 to 6
Loan Against Properties up to 3 3 to 5 5 to 6
Personal Overdraft(Retail/SME/MSME/AG) up to 4 4 to 5 5 to 6
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) up to 2 2 to 4 4 to 6
Margin Lending 2 to 3 3 to 5 5 to 6
Energy     Prime Standard Others
Energy Project Under Consortium Financing As decided by consortium
Hydropower Up to 4
Micro Hydro BR+   Up to 2 2 to 4 4 to 6
Solar Related Loan*** Up to 2 2 to 4 4 to 6
Bio Gas Related Up to 2 2 to 4 4 to 6
Term Loan Up to 2 2 to 4 4 to 6
Working Capital Up to 2 2 to 4 4 to 6
Trust Receipt Loan Up to 2 2 to 4 4 to 6
Electric Vehicle (Commercial) Up to 2 2 to 4 4 to 6
Electric Vehicle (Private) Up to 2 2 to 4 4 to 6
Retail Microfinance Loan     Prime Standard Others
Structured Low Cost Housing*** BR+   Up to 4 4 to 5 5 to 6
Microfinance retail 0.5 to 4 4 to 5  5 to 6
Wholesale Microfinance Loan     Prime Standard Others
"D Class Banks" & Other Inst BR+   Up to 2 2 to 4 4 to 6
FINGO Up to 2 2 to 4 4 to 6
Agriculture Co-operatives Up to 2 2 to 4 4 to 6
Other Co-operatives & Institution Up to 3 3 to 4 4 to 6
FCY Loan Libor 6 Months plus Up to 5%
Base Rate & Interest Spread Rate For the month of Magh, 2075

Base Rate (BR)
 

9.79%
Interest Spread 4.30%

* Rate applicable as per tie up agreement.

**For Consortium Loan-Rate applicable as per consortium decision.

***Applicable for new loans only.

Note: Interest rates on loan products do not apply for substandard and below category loan accounts 

 
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