Interest Rates

Saving Deposit Rates Per annum Min. Balance Interest Payment
Sanima Sampanna Bachat Khata 7.00% For demographic wise min balance click here Monthly
Samridhha Bachat Khata 6.00% For demographic wise min balance click here Monthly
Special Salary Account 5.50% 0 Monthly
Bishesh  Bachat Khata 5.50% For demographic wise min balance click here Monthly
Senior Citizen Saving Account
5.00%
200/-
Monthly
Nari Bachat
5.00%
0.00
Monthly
NRN Saving Account 5.00% 1000/- Monthly
Grameen Bachat Khata 5.00% 0 Monthly
Sulav Account  5.00% 0 Monthly
Shareholders Saving Account 5.00% 0 Monthly
Muna Bachat  5.00% 500/- Monthly
Prime Saving 5.00% 1,000/- Monthly
Remittance Account 5.00% 0 Monthly
Sanima PF Saving Account
5.00%
0 Monthly
Other Savings Account
5.00%
0 Monthly
Sanima FCY Saving Account
1-2%
USD 10 Quarterly
Fixed Deposit Rates per annum  

Time Period

Individual

 

Institution

 

Minimum Balance (NPR)
3 Months to below 6 Months 5.00% 4.50% 50,000.00
6 Months to below 1 year
7.50%
6.50%
50,000.00
1 Year to 2 years
8.50%
7.50%
50,000.00
Institutional Structure Fixed Deposit 1 Year
-
8.25%
Negotiable
Interest Payment                                                                                                                                                                      
Monthly
Quarterly
 
     
Loan and Advances      
Types of Loan      
A. Corporate  Premium (% p.a. ) on Base Rate     
Working Capital/Short Term Loan up to 5.00    
Import Loan/Trust Receipt Loan up to 5.00    
Overdraft up to 5.00    
Export Loan/Packaging Credit up to 5.00    
Term Loan/Bridge Gap Loan up to 5.00    
Term Loan-Hire Purchase up to 5.00    
B. Business Banking  Premium (% p.a.) on Base Rate     
Overdraft/Working Capital/Short Term Loan up to 5.00    
Import Loan/Trust Receipt Loan up to 5.00    
Export Loan/Packaging Credit up to 5.00    
Term Loan up to 5.00    
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
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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