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 Savings | 3.00% |
| 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 Savings | 4.00% |
| Call Deposit (NPR) | Up to 1.50% |
| Fixed Deposit (NPR) | Individual | Institution | |
| Upto 6 months | 3.00% | - | |
| 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 Years | 5.50% | 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 - 2.25 | 0.5 - 2.5 | 0.25 - 2.25 |
|
| Working Capital- TR | 0.15 - 2.15 | 0.15 - 2.15 | 0.15 - 2.15 | |
| Cash Credit | 0.25 - 2.25 | 0.5 - 2.5 | 0.25 - 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- TR | 0.5 - 2.5 | 0.5 - 2.5 | 0.5 - 2.5 | |
| Cash Credit | 0.5 - 2.5 | 0.5 - 2.5 | 0.5 - 2.5 | |
| Term | 0.5 - 2.5 | 0.5 - 2.5 | 0.5 - 2.5 | |
| SME/ MSME | Manufacturing | Service | Trading | |
| Working Capital- Term | 1 - 3 | 1 - 3 | 1 - 3 | |
| Working Capital- Revolving | 1 - 3 | 1 - 3 | 1 - 3 |
|
| Cash Credit | 1 - 3 | 1 - 3 | 1 - 3 |
|
| Term | 1 - 3 | 1 - 3 | 1 - 3 |
|
| Project Financing | Manufacturing | Service & Healthcare | Tourism & Hospitality |
|
| Working Capital- Term | 0.5 - 2.5 | 0.5 - 2.5 |
0.25 - 2.25 | |
| Working Capital- Revolving | 0.25 - 2.25 | 0.5 - 2.5 | 0.25 - 2.25 | |
| Working Capital- TR | 0.5 - 2.5 | 0.5 - 2.5 | 0.25 - 2.25 | |
| Cash Credit | 0.5 - 2.5 | 0.5 - 2.5 | 0.25 - 2.25 | |
| Term | 0.5 - 2.5 | 0.5 - 2.5 | 0.25 - 2.25 | |
| Energy Financing | Manufacturing | Power Generation | Trading | |
| Working Capital- Term | 1 - 3 | - | 1 - 3 | |
| Working Capital- Revolving | 1 - 3 | 0.25 - 2.25 | 1 - 3 | |
| Cash Credit | 1 - 3 | 0.25 - 2.25 | 1 - 3 |
|
| Term Loan | 1 - 3 | - | 1 - 3 | |
| Bridge Gap | 1 - 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- Others | 1 - 3 | 0.5 - 2.5 | 1 - 3 | |
| Agriculture | All Sectors | |||
| Working Capital- Term | 1 - 3 | |||
| Working Capital - Revolving | 1 - 3 | |||
| Cash Credit | 1 - 3 | |||
| Term Loan | 1 - 3 | |||
| Corporate Agriculture | 0.25 - 2.25 | |||
| Retail | |||
| Housing Up to 25 Mio | 0.5 - 2.5 | ||
| Housing Above 25 Mio | 0.5 - 2.5 | ||
| Auto Loan | Personal | Business | Public/Commercial |
| Electric Vehicle | 0.5 - 2.5 | 1 - 3 | 2-4 |
| ICE Vehicle | 2.5-4.5 | ||
| Land Purchase- Up to 10 Mio | 1 - 3 | ||
| Land Purchase- Above 10 Mio | 2 - 4 | ||
| Loan Against Property | 2 - 4 | ||
| Margin Lending | 1 - 3 | ||
| NMB Talab Karja | 2 - 4 | ||
| Personal Overdraft | 2.5 - 4. 5 | ||
| Other Retail Loan | 2 - 4 | ||
| Education Loan | 2.5 - 4.5 | ||
| Micro- Finance (Retail & Wholesale) | 0 - 2 | ||
| Trade Contract Sales- Funded Lines | 1 - 3 | ||
| Loan Against Government Securities | Base rate or coupon rate (whichever is higher) plus up to 2% | ||
| Loan Against own FDR | Base rate or coupon rate (whichever is higher) plus up to 2% | ||
| Loan & Advances- FCY | |||
| USD Term Loan/TR Loan | Benchmark rate plus up to 3% | ||
| TR Loan | 5.25% | ||
| Fixed Interest Rate Loan Projects | Interest Rate (% Per Annum) | ||
| Project Finance | BR + Up to 2% | ||
| Energy Financing | BR + Up to 2% | ||
| **Fixed Rate Home Loan | Interest Rate (% Per Annum) | ||
| Sulav Ghar Karja- Up to 10 Yrs Fixed plus Floating | 9.99% | ||
| Up to 5 Years | 5 Years to 10 Years | Above 10 Years | |
| Fixed Rate: Other Retail Term Loans | 13.00% | 13.50% | 14.00% |
| NMB Sulav Auto Loan- Electric- up to 5 Yrs | 8.89% | ||
| NMB Sulav Auto Loan-Electric- 5 Yrs to 7 Yrs | 8.99% | ||
* 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.
