Interest Rates

Saving Deposit (Effective from 16 July 2017) Rates Per annum Min. Balance Interest Payment
Sanima Sampanna Bachat Khata 8.00% For demographic wise min balance click here Monthly
Samridhha Bachat Khata 7.00% For demographic wise min balance click here Monthly
Special Salary Account 6.50% 0 Monthly
Bishesh  Bachat Khata 6.50% For demographic wise min balance click here Monthly
Senior Citizen Saving Account
6.00%
200/-
Monthly
Nari Bachat
6.00%
0.00
Monthly
NRN Saving Account 6.00% 1000/- Monthly
Grameen Bachat Khata 6.00% 0 Monthly
Sulav Account  6.00% 0 Monthly
Shareholders Saving Account 6.00% 0 Monthly
Muna Bachat  6.00% 500/- Monthly
Prime Saving 6.00% 1,000/- Monthly
Remittance Account 6.00% 0 Monthly
Sanima PF Saving Account
6.00%
0 Monthly
Sanima Commitment Saving Account
6.00%
0 Monthly
Other Savings Account
6.00%
0 Monthly
Sanima FCY Saving Account
1-2%
USD 10 Quarterly
Fixed Deposit Rates per annum  
Time Period Individual Institutional Minimum Balance (NPR)
3 Months to below 6 Months 7.00% 7.00% 500,000
6 Months to below 1 year
9.50%
9.00%
500,000
1 Year
11.00%
10.50%
100,000
Above 1 Year to 2 Years
9.50%
9.00%
100,000
Above 2 Years to 3 Years
10.00%
9.50%
100,000
Interest Payment                                                                                                                                                                      
Monthly
Quarterly
 
     
Loan and Advances      
Types of Loan      
A. Corporate  Premium (% p.a. ) on Base Rate     
Working Capital/Short Term Loan 2.00 - 5.00    
Import Loan/Trust Receipt Loan 2.00 - 5.00    
Overdraft 2.00 - 5.00    
Export Loan/Packaging Credit 2.00 -  5.00    
Term Loan/Bridge Gap Loan 2.00 - 5.00    
Term Loan-Hire Purchase 2.00 - 5.00    
B. Business Banking  Premium (% p.a.) on Base Rate     
Overdraft/Working Capital/Short Term Loan 2.00 - 5.00    
Import Loan/Trust Receipt Loan 2.00 - 5.00    
Export Loan/Packaging Credit 2.00 - 5.00    
Term Loan 2.00 - 5.00    
C. Microfinance/ Deprived Sector Premium (% p.a.) on Base Rate     
Wholesale Loan/ Credit 0.00 - 3.00    
Other Retail Loan 1.00 - 5.00    
D. Retail/ Consumer Banking Premium (% p.a.) on Base Rate     
Home Loan 2.00 - 6.00    
Home Equity Loan 2.00 - 6.00    
Private vehicle/Auto Loan 2.00 - 6.00    
Commercial vehicle Loan-Others 2.00 - 6.00    
Commercial vehicle Loan-Taxi Financing 2.00 - 6.00    
Personal Overdraft/Personal Loan 2.00 - 6.00    
Education Loan
2.00 - 6.00
   
Small Business Growth Loan (SBGL) 2.00 - 6.00    
SBGL-Auto Loan for Private Use 2.00 - 6.00    
Auto Loan-Subvention Scheme As per Subvention Scheme agreement    
E. Project Financing Premium (% p.a.) on Base Rate     
Term Loan
2.00 - 6.00
   
Working Capital Loan
2.00 - 6.00
   
Bridge Gap Loan
2.00 - 6.00
   
Trust Receipt Loan
1.00 - 5.00
   
F. Other Lending  Premium (% p.a.)  on Base Rate     
Loan Against Shares
2.00 - 6.00
   
Loan Against FDR Base rate or coupon rate whichever is higher plus 0-3.00 %    
Loan Against 1st class Bank Guarantee 1.00 - 5.00    
Loan Against Other Bank Guarantee 2.00 - 6.00    
Loan Against Government Securities 1.00 - 5.00    
Gold Loan 3.00 - 6.00    
Structured Loan 1.00 - 3.00    
G. Consortium Loan  As decided by consortium    
 
 
   
H. Others Loan   2.00 - 7.00    
       
I. Loan Against Salary Account   2.00 - 10.00    
       
J. Loan Against Credit Card  2% p.m.(24% p.a. - Fixed rate)    
       
K. FCY Loan  Libor plus 3.00 - 5.00    
 
 
   
2074   Base Rate Int. Spread
Ashadh   10.20% 3.97%
Jestha   10.14% 3.99%
Baisakh   9.67% 4.35%
 

 





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