Interest Rates

Saving Deposit Rates Per annum Min. Balance  
Sanima Sampanna Bachat Khata 5.00% 100,000 /-  
Samridhha Bachat Khata 4.00% 50,000 /-  
Special Salary Account 3.50% 0  
Bishesh  Bachat Khata 3.50% 25,000 /-  
Senior Citizen Saving Account
3.00%
200/-
 
Nari Bachat
3.00%
0.00
 
NRN Saving Account 3.00% 1000/-  
Salary Saving Account 3.00% 0  
Grameen Bachat Khata 3.00% 0  
Premium Savings 3.00% 10,000/-  
Sulav Account  3.00% 0  
Shareholders Saving Account 3.00% 0  
Muna Bachat  3.00% 500/-  
Prime Saving 3.00% 1,000/-  
Remittance Account 3.00% 0  
Sanima PF Saving Account
3.00%
0  
Sanima Commitment Saving Account
3.00%
0  
Other Savings Account
3.00%
0  
Sanima FCY Saving Account
1-2%
USD 10  
Fixed Deposit Rates per annum  
Time Period Individual Institutional Minimum Balance (NPR)
  Payable Quarterly*  
3 Months to below 6 Months 7.50% 7.50% 500,000
6 Months to below 1 year
10.00%
10.00%
500,000
1 Year to 3 Years
11.50%
11.50%
100,000
Interest Payment                                                                                                                                                                         
Monthly
Quaterly
 
     
Loan and Advances      
Types of Loan      
A. Corporate  Interest Rate (% p.a.)    
Working Capital/Short Term Loan 9.25 -15.00    
Import Loan/Trust Receipt Loan 9.25 -15.00    
Overdraft 9.50 - 15.00    
Export Loan/Packaging Credit 9.00 - 15.00    
Term Loan/Bridge Gap Loan 10.00 - 15.00    
Term Loan-Hire Purchase 10.00 - 15.00    
B. Business Banking  Interest Rate (% p.a.)    
Overdraft/Working Capital/Short Term Loan 11.00 - 15.00    
Import Loan/Trust Receipt Loan 11.00 - 15.00    
Export Loan/Packaging Credit 11.00 - 15.00    
Term Loan 11.00 - 15.00    
C. Microfinance/ Deprived Sector Interest Rate (% p.a.)    
Wholesale Loan/ Credit 5.00 - 9.00    
Other Retail Loan 12.00 - 15.00    
D. Retail/ Consumer Banking Interest Rate (% p.a.)    
Home Loan 10.00 - 15.00    
Home Equity Loan 10.00 - 15.00    
Private vehicle/Auto Loan 10.00 - 15.00    
Commercial vehicle Loan-Others 11.00 - 15.00    
Commercial vehicle Loan-Taxi Financing 10.00 - 15.00    
Personal Overdraft/Personal Loan 11.00 - 16.00    
Education Loan
11.00 - 14.00
   
Small Business Growth Loan (SBGL) 10.00 - 15.00    
SBGL-Auto Loan for Private Use 10.00 - 15.00    
E. Project Financing Interest Rate (% p.a.)    
Term Loan
10.00 - 15.00
   
Working Capital Loan
10.00 - 15.00
   
Bridge Gap Loan
10.00 - 15.00
   
Trust Receipt Loan
10.00 - 15.00
   
F. Other Lending  Interest Rate (% p.a.)    
Loan Against Shares
11.00 - 16.00
   
Loan Against FDR Minimum 12.00 or +2% of coupon rate, whichever is higher    
Loan Against 1st class Bank Guarantee 11.00 - 15.00    
Loan Against Other Bank Guarantee 12.00 - 16.00    
Loan Against Government Securities Minimum 15.00    
Gold Loan 13.00 - 16.00    
Structured Loan 4.00 - 9.00    
G. Consortium Loan  As decided by consortium    
 
 
   
H. Others Loan  16.00 % p.a.    
       
Magh 2073 Rate  
Base Rate 7.86%  
Interest Rate Spread 4.22%  
 

 





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