Interest Rates

Saving Deposit Rates Per annum Min. Balance   Interest Payment
Sanima Sampanna Bachat Khata 7.00% 10,000/-   Monthly
Samridhha Bachat Khata 6.00% 1,000/-   Monthly
Special Salary Account 6.50% 0   Monthly
Bishesh  Bachat Khata 6.00% 1,000/-   Monthly
Senior Citizen Saving Account
6.00%
200/-
  Monthly
Nari Bachat
6.00%
0.00
  Monthly
NRN Saving Account 6.00% 1,000/-   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
Other Savings Account
6.00%
0   Monthly
Sanima FCY Saving Account
1-2%
USD 10   Quarterly
Fixed Deposit  

Time Period

Interest Rate (% p.a)

Minimum Balance (NPR) Interest Payment  Frequency
For Individual
1 Month to below 3 Months N/A 50,000.00 N/A
3 Months to below 6 Months 7.00 50,000.00 Monthly
6 Months to below 1 year
8.00
50,000.00
1 Year to 2 Years
9.50
50,000.00
For Institution
1  Month to below 3 Months                                                                                                                                                                 
8.00
50,000.00 Maturity
3 Months to below 6 Months 8.50 50,000.00 Quartely
6 Months to 2 years 9.50 50,000.00
       
Structure Fixed Deposit - For Individual  

Time Period

Interest Rate (% p.a)

Minimum Balance (NPR) Interest Payment  Frequency
6 Months to 18 Months 10.50 500,000.00 Monthly
Loan and Advances        
Types of Loan        
A. Corporate  Premium (% p.a. ) on Base Rate       
Working Capital/Short Term Loan up to 6.00      
Import Loan/Trust Receipt Loan up to 6.00      
Overdraft up to 6.00      
Export Loan/Packaging Credit up to 6.00      
Term Loan/Bridge Gap Loan up to 6.00      
Term Loan-Hire Purchase up to 6.00      
B. Business Banking  Premium (% p.a.) on Base Rate       
Overdraft/Working Capital/Short Term Loan up to 6.00      
Import Loan/Trust Receipt Loan up to 6.00      
Export Loan/Packaging Credit up to 6.00      
Term Loan up to 6.00      
C. Microfinance/ Deprived Sector Premium (% p.a.) on Base Rate       
Wholesale Loan/ Credit up to 3.00      
Other Retail Loan up to 6.00      
D. Retail/ Consumer Banking Premium (% p.a.) on Base Rate       
Home Loan up to 6.00      
Home Equity Loan up to 6.00      
Private vehicle/Auto Loan up to 6.00      
Commercial vehicle Loan-Others up to 6.00      
Commercial vehicle Loan-Taxi Financing up to 6.00      
Personal Overdraft/Personal Loan up to 6.00      
Education Loan
up to 6.00
     
Small Business Growth Loan (SBGL) up to 6.00      
SBGL-Auto Loan for Private Use up to 6.00      
Auto Loan-Subvention Scheme As per Subvention Scheme Agreement      
E. Project Financing Premium (% p.a.) on Base Rate       
Term Loan
up to 6.00
     
Working Capital Loan
up to 6.00
     
Bridge Gap Loan
up to 6.00
     
Trust Receipt Loan
up to 6.00
     
F. Other Lending  Premium (% p.a.)  on Base Rate       
Loan Against Shares
up to 6.00
     
Loan Against FDR Base rate or coupon rate  whichever is higher  plus 0-3.00%      
Loan Against 1st class Bank Guarantee up to 5.00      
Loan Against Other Bank Guarantee up to 6.00      
Loan Against Government Securities up to 5.00      
Gold Loan up to 6.00      
Structured Loan up to 5.00      
G. Consortium Loan  As per Consortium agreement      
 
 
     
H. Others Loan   up to 7.00      
         
I. Loan Against Salary Account   up to 10.00      
         
J. Loan Against Credit Card  2 % p.m. (24% p.a. Fixed rate)      
         
K. FCY Loan  up to 5.00      
 
 
     
2074   Base Rate   Int. Spread
Poush   9.71%   4.18%
Mangsir   9.53%   4.09%
Kartik   10.09%   3.82%
Ashoj   10.27%   3.93%
Bhadra   10.33%   4.02%
Shrawan   10.19%   3.85%
Ashadh   10.20%   3.97%
Jestha   10.14%   3.99%
Baisakh   9.67%   4.35%
 
Loans Interest rate is Base Rate plus premium
Fixed rate continues till agreement period
Loan against FDR not less than coupon rate

 





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