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Interest Rate of Past Three Years   Base Rate   Average Interest Spread

Effective Date : Jestha 1, 2081 (May 14, 2024)

Deposits

Savings Deposit (NPR) Interest Rates (% Per Annum) Minimum Balance (NPR)
NMB You-Wah Digi Savings 3.25% NIL
NMB Sahara Gold 4.25% NIL
NMB Smart Nari Bachat Khata 4.25% NIL
Saral Muddati Bachhat Khata 3.25% Zero- 10,000
NMB Premium Super Talab Khata 4.75% NIL
NMB Manyajan Bachat Khata 4.25% NIL
NMB Ujyalo Pariwar Bachat Khata 4.75% NIL
NMB Ujyalo Pension Bachat Khata 4.75% NIL
Aapan NMB Bachat Khata (For Madhesh Pradesh Only) 4.25% NIL
Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) 4.25% NIL
NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) 4.25% NIL
Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) 4.25% NIL
NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) 4.25% NIL
NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) 4.25% NIL
NMB Investor Savings 3.25% NIL
NMB Jeevan Chakra 3.25% 5,000 to 50,000
NMB Umanga Bachat Khata 3.25%
100
Nari Bachat Khata 3.25%
100
Metro Card Savings 3.25%
100
Metro POS Savings 3.25%
100
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 3.25%
1,000
NMB Sahara Bachat Khata 3.25%
1,000
Surakchhit Jeevan Bachat Khata 3.25%
1,000
Namaste Savings 3.25%
10,000
NMB Samman Bachat Khata 3.25%
10,000
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 3.25%
100 (100 Deposited by Bank)
NMB Super Talab Khata 3.25%
NIL
NMB Talab Khata 3.25%
NIL
Atulya Bachat Khata 3.25%
NIL
Sulav Muddati Savings3.25%
NIL
Micro Bachat Khata 3.25%
NIL
Social Security Savings 3.25%
NIL
NMB Smart Savings - Digital 3.25%
NIL
Normal DO Savings 3.25%
NIL
NMB Janmabhumi Bachat Khata (Remittance) 7.00%NIL
Call Deposit (NPR) Up to 1.625%  
Fixed Deposit (NPR) Individual Institution
6 Months to Below 9 Months4.50% 3.90%
9 Months to Below 1 Year 4.75% 3.95%
1 Year to Below 3 Years 5.00% 4.00%
3 Years to Below 5 Years 7.00% 6.00%
5 Years & Above 7.80% 6.80%
Manyajan Muddati (1 year) 7.00% -
Saral Muddati Bachhat Khata (3 months) 4.00% -
NMB Janmabhumi (Remittance) Muddati Khata (6 months to Below 1 Year)7.75%-
NMB Janmabhumi (Remittance) Muddati Khata (1 Year and above)
8.25%-
Recurring Deposit
NMB Mero Kramik Khata (Recurring Deposit) Multiples of 1,000 6.00%
Interest Rate of Foreign Currency Deposits (% p.a.)
Deposits FCY (Individual/ Institution*) Fixed 3 Months and Above Savings Deposit Rate  Call Deposit
US Dollar 4.50% 4.00% Up to Benchmark Rate
Great Britain Pound 3.75% 3.00%
EURO 3.75% 3.00%
Canadian Dollar 4.25% 4.00%
Australian Dollar 4.00% 3.50%
Japanese Yen 3.00% 2.00%
Chinese Yuan 3.00% 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 4.50% Minimum $1,000 or equivalent
Great Britain Pound 4.00%
EURO 4.00%
Canadian Dollar 4.00%
Australian Dollar 4.00%

Loans

Loan Products Premium(%) Over Base Rate
Corporate  Manufacturing  Service Trading 
Working Capital- Term  1-3 1 - 3
1 - 3
Working Capital- Revolving 1 - 31 - 31 - 3
Cash Credit 1 - 31 - 31 - 3
Term 1.5 - 3.51.5 - 3.5
1.75 - 3.75
Mid- Corporate  Manufacturing  Service Trading 
Working Capital- Term  1.5 - 3.5 1.5 - 3.5
1.5 - 3.5
Working Capital- Revolving 1.5 - 3.51.5 - 3.5
1.5 - 3.5
Cash Credit 1.5 - 3.5
1.5 - 3.5
1.5 - 3.5
Term 2 - 4
2 - 4
2 - 4
SME/ MSME  Manufacturing  Service Trading 
Working Capital- Term  2 - 4
2 - 4
2 - 4
Working Capital- Revolving 2 - 4
2 - 4
2 - 4
Cash Credit 2 - 4
2 - 4
2 - 4
Term 2 - 4
2 - 4
2 - 4
Project Financing  Manufacturing   Service & Hospitality
Working Capital- Term  1.5 - 3.5 1.5 - 3.5

Working Capital- Revolving 1 - 31 - 3
Cash Credit 1 - 31 - 3
Term 1.5 - 3.51.5 - 3.5
Energy Financing Manufacturing   Power GenerationTrading
Working Capital- Term  1.5 - 3.5 - 1.75 - 3.75
Working Capital- Revolving 1.5 -3.51.5 -3.51.75 - 3.75
Cash Credit 1.5 - 3.5
1 - 31.75 - 3.75
Term Loan 1 - 3-1.25 - 3.25
Bridge Gap
1 - 3
Term- Hydro
0.5 - 2.5
Team- Solar
0.25 - 2.25
Team- Others
1.5 - 3.5
Agriculture All Sectors
Working Capital- Term 1 - 3
Working Capital - Revolving1 - 3
Cash Credit1 - 3
Term Loan1.25 - 3.25

RetailUp to 10 Yrs 10 to 20 Yrs Above 20 Yrs
Housing Up to 20 Mio0.5-2.5
Housing Above 20 Mio0.75-2.75
Auto LoanPersonal Commercial
        Electric Vehicle0.5- 2.52 - 4
       ICE Vehicle1-32.5 -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 Lines2 - 4
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 LoanBenchmark rate plus up to 3%
TR Loan- FCYBenchmark rate plus up to 3%


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 FLoating10.49%
Sulav Ghar Karja - 7 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
10.10%


* Rate applicable as per tie up agreement.
**Minimum tenure 7 yrs for fixed rate; post fixed tenure: Prevailing BR+2.99% (Home Loan and other retail loans)
***Fixed rate for exact 7 Yrs, for remaining tenure: Prevailing BR+ 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 rate on NMB Janmabhumi Khata (Remittance: Saving & FD) shall be 2% higher.
- 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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