House rent notice-Naxal Published on Aug 02, 2021

ISB notice-Interior and allied works at Mid-Baneshwor Published on Jul 29, 2021

Interest rate notice-Shrawan 2078 Published on Jul 15, 2021

KYC notice-Ashadh Published on Jun 15, 2021

Interest Rate Notice-Ashadh 2078 Published on Jun 14, 2021

Interest rate notice-Jestha 2078 Published on May 14, 2021

Right to Information notice Published on Apr 27, 2021

Notice regarding debit restriction of KYC pending accounts Published on Apr 24, 2021

Branch relocation-Itahari Branch Published on Apr 18, 2021

Notice regarding KYC pending accounts Published on Apr 16, 2021

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KYC form Verified By Visa Free cash withdrawal scheme Unclaimed Dividend for five years Dormant Account Notice Security Hygiene Tips Digital Banking Advisory Notice

Interest Rate

Effective from Shrawan, 2078

  Saving Deposit Interest Rate (% p.a) Min. Balance   Interest Payment
  Sanima Dirghayu Bachat Khata 4.35% 10,000/-   Quarterly
  Sanima Dirghayu Talab Khata 4.35% 0   Quarterly
  Sanima Mero Bachat Khata 4.35% 0   Quarterly
  Special Salary Account 4.35% 0   Quarterly
  Sanima Sampanna Bachat Khata 2.35% 0   Quarterly
  Senior Citizen Home Banking 2.35% 0   Quarterly
  Senior Citizen Saving Account
2.35%
0
  Quarterly
  Nari Bachat Khata
2.35%
0
  Quarterly
  NRN Saving Account 2.35% 0   Quarterly
  Sanima Sahaj Bachat Khata 4.35% 5,000/-   Quarterly
  Sulav Account  2.35% 0   Quarterly
  Shareholders Saving Account 2.35% 0   Quarterly
  Muna Bachat  2.35% 0   Quarterly
  Remittance Account 2.35% 0   Quarterly
  Sanima PF Saving Account 2.35% 0   Quarterly
  Sanima Nagarik Bachat Khata 2.35% 0   Quarterly
  Samajik Surakshya Bachat Khata 2.35% 0   Quarterly
  Other Savings Account
2.35%
0   Quarterly
  Sanima FCY Saving Accounts        
  USD Saving Account 4.00% USD 10   Quarterly
  GBP Saving Account 3.00% GBP 5   Quarterly
  EUR Saving Account 3.00% EUR 5   Quarterly
  Other FCY Saving Accounts
1-2%
USD 10 or convertible Foreign Currency equivalent to USD 10   Quarterly
           
  Call Deposit
Upto fifty percent of the minimum savings deposit rate  
-   Quarterly
  Remarks: Interest rate in existing Call Accounts opened under specific contractual agreement shall continue till the contract period.    
           
  Fixed Deposit  
  Time Period Interest Rate (% p.a) Minimum Balance (NPR) Interest Payment  Frequency
  For Individual
  3 Months to Below 6 Months 5.35% For Rural Branches 10,000.00 Quarterly
  6 Months and Above 6.85% For Rural Branches 10,000.00 Quarterly
  3 Months to Below 6 Months 5.35% For Outside Valley Branches 50,000.00 Quarterly
  6 Months and Above 6.85% For Outside Valley Branches 50,000.00 Quarterly
  3 Months to Below 6 Months 5.35% For Inside Valley Branches 100,000.00 Quarterly
  6 Months and Above 6.85% For Inside Valley Branches 100,000.00 Quarterly
  For Institution
  6 Months and Above                                                                                                               7.35%   Applicable up to NPR 2 Crore Quarterly
  6 Months and Above 7.35 %   Applicable above NPR 2 Crore (At the discretion of bank) Quarterly
  6 Months and Above  6.51 % For Bidding     
  Sanima NRN Fixed Deposit        
  USD 5.00%   USD 10,000 Quarterly
  GBP 4.00%   GBP 10,000 Quarterly
  EUR 4.00%   EUR 10,000 Quarterly
  Loans 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 4.00      
  Other Retail Loan up to 5.00      
  D. Retail/ Consumer Banking Premium (% p.a.) on Base Rate      
  Home Loan up to 5.00      
  Home Equity Loan up to 5.00      
  Private vehicle/Auto Loan up to 5.00      
  Commercial vehicle Loan-Others up to 5.00      
  Commercial vehicle Loan-Taxi Financing up to 5.00      
  Personal Overdraft/Personal Loan up to 5.00      
  Education Loan
up to 5.00
     
  Sanima Professional Loan up to 5.00      
  Small Business Growth Loan (SBGL) up to 5.00      
  SBGL-Auto Loan for Private Use up to 5.00      
  Auto Loan-Subvention Scheme As per Subvention Scheme Agreement      
  E. Project Financing Premium (% p.a.) on Base Rate      
  Term Loan
up to 5.00
     
  Working Capital Loan
up to 5.00
     
  Bridge Gap Loan
up to 5.00
     
  Trust Receipt Loan
up to 5.00
     
  F. Other Lending Premium (% p.a.) on Base Rate      
  Loan Against Shares
up to 5.00
     
  Loan Against FDR Base rate or coupon rate whichever is higher plus 0-3.00%      
  Loan Against 1st class Bank Guarantee up to 4.00      
  Loan Against Other Bank Guarantee up to 5.00      
  Loan Against Government Securities up to 4.00      
  Gold Loan up to 5.00      
  Structured Loan up to 4.00      
  G. Consortium Loan As per Consortium agreement      
  H. Others Loan up to 5.00      
  I. Loan Against Salary Account up to 5.00      
  J. Loan Against Credit Card 2 % p.m. (24% p.a. Fixed rate)      
  K. FCY Loan up to 4.00    
  L. Fixed Rate For Individual Loan (% P.A.)
  For 13 months For 2 Years For 3 Years For Above 3 Years
  8.25 9.50 11.00 Up to 13
year month
Year Month Base Rates
2078 Jestha 5.89%
2078 Baisakh 6.54%
2077 Chaitra 6.23%
2077 Falgun 6.25%
2077 Magh 6.48%
2077 Poush 6.83%
2077 Mangsir 6.90%
2077 Kartik 7.43 %
2077 Ashoj 7.73%
2077 Bhadra 7.87%
2077 Shrawan 8.07%
2077 Ashad 8.62%
2077 Jestha 8.52%
2077 Baisakh 8.58%
2076 Chaitra 9.25%
2076 Falgun 9.30%
2076 Magh 9.43%
2076 Poush 9.29%
2076 Mangsir 9.16%
2076 Kartik 9.22%
2076 Ashoj 9.21%
2076 Bhadra 9.21%
2076 Shrawan 9.34%
2076 Ashar 9.45%
2076 Jestha 9.29 %
2076 Baisakh 9.38 %
2075 Chaitra 9.31%
2075 Falgun 9.54 %
2075 Magh 10.43% (As per previous NRB calculation)
9.68% (As per new NRB Circular)
2075 Poush 10.50% (As per previous NRB Directives)
9.75% (As per new NRB Circular)
2075 Mangsir 10.51%
2075 Kartik 10.35%
2075 Ashoj 10.55%
2075 Bhadra 10.24%
2075 Shrawan 10.10%
2075 Ashar 10.66%
2075 Jestha 10.68%
2075 Baisakh 10.63%
2074 Chaitra 10.63%
2074 Falgun 10.34%
2074 Magh 10.16%
2074 Poush 9.71%
2074 Mangsir 9.53%
2074 Kartik 10.09%
2074 Ashoj 10.27%
2074 Bhadra 10.33%
2074 Shrawan 10.19%
2074 Ashar 10.20%
2074 Jestha 10.14%
2074 Baisakh 9.67%
year month
Year Month Int. Spread (as per NRB Directive)
2078 Jestha 3.82%
2078 Baisakh 3.42%
2077 Chaitra 4.07%
2077 Falgun 3.96%
2077 Magh 4.16%
2077 Poush 4.21%
2077 Mangsir 4.14%
2077 Kartik 3.83%
2077 Ashoj 3.61%
2077 Bhadra 4.39%
2077 Shrawan 4.39%
2077 Ashad 3.47%
2077 Jestha 3.87%
2077 Baisakh 3.73%
2076 Chaitra 5.08%
2076 Falgun 5.14%
2076 Magh 4.94%
2076 Poush 5.04%
2076 Mangsir 5.25%
2076 Kartik 5.23%
2076 Ashoj 5.39%
2076 Bhadra 5.30%
2076 Shrawan 4.18%
2076 Ashar 4.35%
2076 Jestha 4.56 %
2076 Baisakh 4.72 %

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