Logo
  • 0

Interest Rate of Past Three Years   Base Rate   Average Interest Spread

Effective Date : Poush 1,  2081 (December 16,  2024)

Deposits

Savings Deposit (NPR) Interest Rates (% Per Annum) Minimum Balance (NPR)
NMB You-Wah Digi Savings 3.00% NIL
NMB Sahara Gold 4.00% NIL
NMB Smart Nari Bachat Khata 4.00% NIL
Saral Muddati Bachhat Khata 3.00% Zero- 10,000
NMB Premium Super Talab Khata 4.50% NIL
NMB Manyajan Bachat Khata 4.00% NIL
NMB Ujyalo Pariwar Bachat Khata 4.50% NIL
NMB Ujyalo Pension Bachat Khata 4.50% NIL
Aapan NMB Bachat Khata (For Madhesh Pradesh Only) 4.00% NIL
Sundar Sudurpashchim Bachat Khata (For Sudurpashchim Pradesh Only) 4.00% NIL
NMB Lumbini Bachat Khata (For Lumbini Pradesh Only) 4.00% NIL
Mero Gandaki Bachat Khata (For Gandaki Pradesh Only) 4.00% NIL
NMB Karnali Bishesh Bachat Khata (For Karnali Pradesh Only) 4.00% NIL
NMB Pathibhara Bachat Khata (For Koshi Pradesh Only) 4.00% NIL
NMB Investor Savings 3.00% NIL
NMB Jeevan Chakra 3.00% 5,000 to 50,000
NMB Umanga Bachat Khata 3.00%
100
Nari Bachat Khata 3.00%
100
Metro Card Savings 3.00%
100
Metro POS Savings 3.00%
100
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 3.00%
1,000
NMB Sahara Bachat Khata 3.00%
1,000
Surakchhit Jeevan Bachat Khata 3.00%
1,000
Namaste Savings 3.00%
10,000
NMB Samman Bachat Khata 3.00%
10,000
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 3.00%
100 (100 Deposited by Bank)
NMB Super Talab Khata 3.00%
NIL
NMB Talab Khata 3.00%
NIL
Atulya Bachat Khata 3.00%
NIL
Sulav Muddati Savings3.00%
NIL
Micro Bachat Khata 3.00%
NIL
Social Security Savings 3.00%
NIL
NMB Smart Savings - Digital 3.00%
NIL
Normal DO Savings 3.00%
NIL
NMB Janmabhumi Bachat Khata (Remittance) 5.50%NIL
Call Deposit (NPR) Up to 1.50%  
Fixed Deposit (NPR) Individual Institution
Upto 6 months3.00% -
Above 6 Months to 13 months 4.00% 3.00%
Above 13 Months to 2 Years 4.25% 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-
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 3.50% 3.00%
EURO-EUR 3.50% 3.00%
Canadian Dollar-CAD 4.00% 3.00%
Australian Dollar-AUD 3.50% 3.00%
Japanese Yen-JPY 2.50% 1.50%
Chinese Yuan-CNY 2.00% 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 4.00% Minimum $1,000 or equivalent
Great Britain Pound 3.50%
EURO 3.50%
Canadian Dollar 4.00%
Australian Dollar 3.50%

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 0.5 - 2.5
0.5 - 2.5
1 - 3
Mid- Corporate  Manufacturing  Service Trading 
Working Capital- Term  0.75 - 2.75
1 - 3
1 - 3
Working Capital- Revolving 0.75 - 2.75
1 - 3
1 - 3
Working Capital- TR0.5 - 2.50.5 - 2.50.5 - 2.5
Cash Credit 0.75 - 2.75
1 - 3
1 - 3
Term 0.75 - 2.75
1 - 3
1 - 3
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
0.5 - 2.5
Working Capital- Revolving 0.25 - 2.250.5 - 2.50.25 - 2.25
Working Capital- TR0.5 - 2.50.5 - 2.5
0.5 - 2.5
Cash Credit 0.5 - 2.50.5 - 2.50.5 - 2.5
Term 0.5 - 2.5
0.5 - 2.50.5 - 2.5
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 Loan1.25 - 3.25
Corporate Agriculture0.25 - 2.25
Retail
Housing Up to 25 Mio0.5 - 2.5
Housing Above 25 Mio0.5 - 2.5
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 Property1 - 3
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%
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- 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.




Back to