Interest Rate of Past Three Years Base Rate Average Interest Spread
Effective Date : Baisakh 1, 2081 (April 13, 2024)
Deposits
| Savings Deposit (NPR) | Interest Rates (% Per Annum) | Minimum Balance (NPR) |
| NMB You-Wah Digi Savings | 3.50% | NIL |
| NMB Sahara Gold | 4.50% | NIL |
| NMB Smart Nari Bachat Khata | 4.50% | NIL |
| Saral Muddati Bachhat Khata | 3.50% | Zero- 10,000 |
| NMB Premium Super Talab Khata | 5.00% | NIL |
| NMB Manyajan Bachat Khata | 4.50% | NIL |
| NMB Ujyalo Pariwar Bachat Khata | 5.00% | NIL |
| NMB Ujyalo Pension Bachat Khata | 5.00% | NIL |
| Aapan NMB Bachat Khata (For Madhesh Pradesh Only) | 4.50% | NIL |
| Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) | 4.50% | NIL |
| NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) | 4.50% | NIL |
| Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) | 4.50% | NIL |
| NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) | 4.50% | NIL |
| NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) | 4.50% | NIL |
| NMB Investor Savings | 3.50% | NIL |
| NMB Jeevan Chakra | 3.50% | 5,000 to 50,000 |
| NMB Umanga Bachat Khata | 3.50% |
100 |
| Nari Bachat Khata | 3.50% |
100 |
| Metro Card Savings | 3.50% |
100 |
| Metro POS Savings | 3.50% |
100 |
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 3.50% |
1,000 |
| NMB Sahara Bachat Khata | 3.50% |
1,000 |
| Surakchhit Jeevan Bachat Khata | 3.50% |
1,000 |
| Namaste Savings | 3.50% |
10,000 |
| NMB Samman Bachat Khata | 3.50% |
10,000 |
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 3.50% |
100 (100 Deposited by Bank) |
| NMB Super Talab Khata | 3.50% |
NIL |
| NMB Talab Khata | 3.50% |
NIL |
| Atulya Bachat Khata | 3.50% |
NIL |
| Sulav Muddati Savings | 3.50% |
NIL |
| Micro Bachat Khata | 3.50% |
NIL |
| Social Security Savings | 3.50% |
NIL |
| NMB Smart Savings - Digital | 3.50% |
NIL |
| Normal DO Savings | 3.50% |
NIL |
| NMB Janmabhumi Bachat Khata (Remittance) | 7.00% | NIL |
| Call Deposit (NPR) | Up to 1.75% |
| Fixed Deposit (NPR) | Individual | Institution | |
| 6 Months to Below 9 Months | 4.50% | 3.90% | |
| 9 Months to Below 1 Year | 4.75% | 3.95% | |
| 1 Year to Below 2 Years | 5.00% | 4.00% | |
| 2 Years to Below 5 Years | 6.50% | 5.50% | |
| 5 Years & Above | 7.97% | 6.97% | |
| 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) | 6.50% | - | |
| NMB Janmabhumi (Remittance) Muddati Khata (1 Year and above) | 7.75% | - | |
| 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 - 3 | 1 - 3 | 1 - 3 | |
| Cash Credit | 1 - 3 | 1 - 3 | 1 - 3 | |
| Term | 1.5 - 3.5 | 1.5 - 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 - 3.5 | 1.5 - 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 - 3 | 1 - 3 | ||
| Cash Credit | 1 - 3 | 1 - 3 | ||
| Term | 1.5 - 3.5 | 1.5 - 3.5 | ||
| Energy Financing | Manufacturing | Power Generation | Trading | |
| Working Capital- Term | 1.5 - 3.5 | - | 1.75 - 3.75 | |
| Working Capital- Revolving | 1.5 -3.5 | 1.5 -3.5 | 1.75 - 3.75 | |
| Cash Credit | 1.5 - 3.5 | 1 - 3 | 1.75 - 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 - Revolving | 1 - 3 | |||
| Cash Credit | 1 - 3 | |||
| Term Loan | 1.25 - 3.25 | |||
| Retail | Up to 10 Yrs | 10 to 20 Yrs | Above 20 Yrs |
| Housing Up to 20 Mio | 0.5-2.5 | ||
| Housing Above 20 Mio | 0.75-2.75 | ||
| Auto Loan | Personal | Commercial | |
| Electric Vehicle | 0.5- 2.5 | 2 - 4 | |
| ICE Vehicle | 1-3 | 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 | 2 - 4 | ||
| 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 | Benchmark rate plus up to 3% | ||
| TR Loan- FCY | Benchmark rate plus up to 3% | ||
| 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 | 10.49% | ||
| Sulav Ghar Karja - 7 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 | 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.
