Interest Rate of Past Three Years Base Rate Average Interest Spread
Effective Date : Poush 1, 2081 (December 16, 2024)
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 Savings | 3.00% |
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 months | 3.00% | - | |
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 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 | - | |
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% |
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 | 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- TR | 0.5 - 2.5 | 0.5 - 2.5 | 0.5 - 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 - 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 |
0.5 - 2.5 | |
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 | 0.5 - 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 | |
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 | 1.25 - 3.25 | |||
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 | 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 | 1 - 3 | ||
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% | ||
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- 7 Yrs | 8.99% |
**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.