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Interest Rate of Past Three Years   Base Rate   Average Interest Spread

Effective Date : Jestha 1,  2082 (May 15,  2025)

Deposits

Savings Deposit (NPR) Interest Rates (% Per Annum)
NMB You-Wah Digi Savings 3.00%
NMB Sahara Gold 4.00%
NMB Smart Nari Bachat Khata 4.00%
Saral Muddati Bachhat Khata 3.00%
NMB Premium Super Talab Khata 4.50%
NMB Manyajan Bachat Khata 4.00%
NMB Ujyalo Pariwar Bachat Khata 4.50%
NMB Ujyalo Pension Bachat Khata 4.50%
Aapan NMB Bachat Khata (For Madhesh Pradesh Only) 4.00%
Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) 4.00%
NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) 4.00%
Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) 4.00%
NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) 4.00%
NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) 4.00%
NMB Investor Savings 3.00%
NMB Jeevan Chakra 3.00%
NMB Umanga Bachat Khata 3.00%
Nari Bachat Khata 3.00%
Metro POS Savings 3.00%
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 3.00%
NMB Sahara Bachat Khata 3.00%
Surakchhit Jeevan Bachat Khata 3.00%
Nari Samman Bachat Khata 3.00%
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 3.00%
NMB Super Talab Khata 3.00%
NMB Talab Khata 3.00%
Atulya Bachat Khata 3.00%
Sulav Muddati Savings3.00%
Micro Bachat Khata 3.00%
Social Security Savings 3.00%
NMB Smart Savings - Digital 3.00%
Normal DO Savings 3.00%
NMB Janmabhumi Bachat Khata (Remittance) 5.50%
NMB Green Savings4.00%
Call Deposit (NPR) Up to 1.50%
Fixed Deposit (NPR) Individual Institution
Upto 6 months3.00% -
Above 6 Months to 15 months 4.00% 3.00%
Above 15 Months to 2 Years 4.50% 3.25%
Above 2 Years to 3 Years5.50%4.50%
Above 3 Years to 5 Years
6.00%5.00%
Above 5 Years
6.60%5.60%
Manyajan Muddati (1 year) 4.25% -
Saral Muddati Bachhat Khata (3 months) 3.00% -
NMB Janmabhumi  Muddati Khata (Remittance)
Plus 1% on above individual FD rates-
Note:  Interest for Green Call account and Green FD Shall be as per above normal call account, FD rates and their respective tenures.

Recurring Deposit
NMB Mero Kramik Khata (Recurring Deposit) Multiples of 1,000 4.00%
Interest Rate of Foreign Currency Deposits (% p.a.)
Deposits FCY (Individual/ Institution*) Fixed 3 Months and Above Savings Deposit Rate  Call Deposit
US Dollar-USD 3.90% 2.00% Up to Benchmark Rate
Great Britain Pound-GBP 3.00% 2.50%
EURO-EUR 2.50% 2.00%
Canadian Dollar-CAD 3.00% 2.00%
Australian Dollar-AUD 3.00% 2.00%
Japanese Yen-JPY 2.00% 1.50%
Chinese Yuan-CNY 1.50% 1.00%
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 4.10% Minimum $1,000 or equivalent
Great Britain Pound 3.00%
EURO 2.50%
Canadian Dollar 3.00%
Australian Dollar 3.00%

Loans

Loan Products Premium (%) Over Base Rate
Corporate  Manufacturing  Service Trading 
Working Capital- Term  0.5 - 2.5 0.5 - 2.5
0.5 - 2.5
Working Capital- Revolving 0.25 - 2.250.5 - 2.50.25 - 2.25
Working Capital- TR0.15 - 2.150.15 - 2.15
0.15 - 2.15
Cash Credit 0.25 - 2.250.5 - 2.50.25 - 2.25
Term/ Hire Purchase 0.5 - 2.5
0.4 - 2.4
1 - 3
Mid- Corporate  Manufacturing  Service Trading 
Working Capital- Term  0.5 - 2.5
0.5 - 2.5
0.5 - 2.5
Working Capital- Revolving 0.5 - 2.5
0.5 - 2.5
0.5 - 2.5
Working Capital- TR0.5 - 2.50.5 - 2.50.5 - 2.5
Cash Credit 0.5 - 2.5
0.5 - 2.50.5 - 2.5
Term 0.5 - 2.5
0.5 - 2.50.5 - 2.5
SME/ MSME  Manufacturing  Service Trading 
Working Capital- Term  1 - 3 1 - 31 - 3
Working Capital- Revolving 1 - 3 1 - 3 
1 - 3 
Cash Credit 1 - 3 1 - 31 - 3
Term 1 - 3 
1 - 3 
1 - 3 
Project Financing  Manufacturing   Service & HealthcareTourism & Hospitality
Working Capital- Term  0.5 - 2.5 0.5 - 2.5
0.25 - 2.25
Working Capital- Revolving 0.25 - 2.250.5 - 2.50.25 - 2.25
Working Capital- TR0.5 - 2.50.5 - 2.5
0.25 - 2.25
Cash Credit 0.5 - 2.50.5 - 2.50.25 - 2.25
Term 0.5 - 2.5
0.5 - 2.50.25 - 2.25
Energy Financing Manufacturing   Power GenerationTrading
Working Capital- Term  1 - 3 - 1 - 3
Working Capital- Revolving 1 - 30.25 - 2.251 - 3
Cash Credit 1 - 3
0.25 - 2.251 - 3
Term Loan 1 - 3-1 - 3
Bridge Gap1 - 3
0.5 - 2.5-
Term- Hydro-
0.25 - 2.25-
Term - Utility Scale Solar-0.25 - 2.25
-
Team- Roof Top Solar-1 - 3-
Team- Others1 - 3
0.5 - 2.51 - 3
Agriculture All Sectors
Working Capital- Term 1 - 3
Working Capital - Revolving1 - 3
Cash Credit1 - 3
Term Loan1 - 3
Corporate Agriculture0.25 - 2.25
Retail
Housing Up to 25 Mio0.5 - 2.5
Housing Above 25 Mio0.5 - 2.5
Auto LoanPersonal BusinessPublic/Commercial
        Electric Vehicle0.5 - 2.51 - 32-4
ICE Vehicle2.5-4.5
Land Purchase- Up to  10 Mio1 - 3
Land Purchase- Above 10 Mio2 - 4
Loan Against Property2 - 4
Margin Lending1 - 3
NMB Talab Karja2 - 4
Personal Overdraft2.5 - 4. 5
Other Retail Loan2 - 4
Education Loan2.5 - 4.5
Micro- Finance (Retail & Wholesale)0 - 2
Trade Contract Sales- Funded Lines1 - 3
Loan Against Government SecuritiesBase rate or coupon rate  (whichever is higher) plus up to 2%
Loan Against own FDRBase rate or coupon rate  (whichever is higher) plus up to 2%
Loan & Advances- FCY
USD Term Loan/TR LoanBenchmark rate plus up to 3%
TR Loan5.25%
Fixed Interest Rate Loan Projects Interest Rate (% Per Annum)
Project FinanceBR + Up to 2%
Energy FinancingBR + Up to 2%


**Fixed Rate Home Loan  Interest Rate (% Per Annum)
Sulav Ghar Karja- Up to 10 Yrs Fixed plus Floating9.99%
 Up to 5 Years  5 Years to 10 Years  Above 10 Years
Fixed Rate: Other Retail Term Loans13.00%13.50%14.00%
NMB Sulav Auto Loan- Electric- up to 5 Yrs
8.89%

NMB Sulav Auto Loan-Electric- 5 Yrs to 7 Yrs8.99%


* Rate applicable as per tie up agreement.

**For Fixed Rate Home Loan Applicable Floating Rate Premium Post Fixed Tenure will be 2.99%. 

Notes:

-Institutional FCY Fixed Deposit tenure shall be six months and above.
-Interest rate for Consortium Loan shall be as per Consortium decision.
- 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

The interest rate determination for the same nature loan clients shall be done as per NRB Circular Bai.Bi.Ni.Bi./Niti/Paripatra/03/080/081 dated 2080-06-18 B.S.




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