Friday June 18,2021

Interest Rate

Base Rate and Interest Rate Spread of Past Three Years

 

Effective From: 15th June 2021 (1st Ashad 2078)
A. SAVING DEPOSITS % PER ANNUM
Bal Bachat  2.51
Student Savings  2.51
Jestha Bachat  2.51
Lok Bachat  2.51
Nari Bachat  2.51
General Savings  2.51
Remittance Savings  2.51
Share Khata  2.51
Nabil Sahuliyat Khata  2.51
Corporate Staff Savings  2.76
Salary Savings  3.26
Bachat Yojana  3.51
Super Savings  4.01
Employee Savings  4.01
Premium Nari Bachat  4.01
Nabil Staff Savings  4.51
Shareholders Savings  4.51
Premium Payroll Savings  4.51
Nabil Gen-N Account  3.51
B. FIXED
Individual  
   -3 Months  5.01
   -Above 3 Months to 6 Months  6.01
   -Above 6 Months  7.01
   -Cumulative Fixed Deposit (1 Year)  6.51
Institutional  
   -3 months   4.01
   -Above 3 months to 6 months  5.01
   -Above 6 months to below 1 year  5.51
   -1 Year and above  7.01
   -For renewal Same as above rates
Nabil Special Institutional FD for NPR 100 Million and above (For Bidding Purpose only)
  - 6 months and above  6.51
C. FCY DEPOSIT
 USD Savings  0.50
 NRN Fixed Deposit (USD)  3.33
Notes:
Rates on foreign currency call and other accounts shall vary from time to time as per the decision of the Bank or as negotiated with customer depending on market movement.
Considering negative interest rates under Euro (€) and Swiss Franc (CHF) denominated currency deposits, all existing Savings and Call accounts under currencies EURO and Swiss Franc (CHF) have been revised to Zero effective from 1st May 2016.

 

LCY LOAN

Premium over Base Rate
(% per annum)

  Corporate Customers   SME Customers  
 
1. Directed Sector      
     Agriculture 0.5 to 5.00   1.50 to 6.00
     Energy 0.5 to 5.00 2.00 to 6.00
     Micro, Cottage and SME Loan up to NPR 10 Million    1.75 to 6.00
2. Deprived Sector      
    Institutional     up to 5.00
    Direct Lending    2.00 to 7.00
    Agriculture and Micro Enterprise Loan as per NRB    2.00
3. Interest Subsidized Loan as per NRB upto 2.00 upto 2.00
4. Export Finance      
     Prime  0.5 to 4.75  1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
5. Term Loan      
     Multinational 0.5 to 4.75   
     Prime 0.5 to 5.00 1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
6. Working Capital Loan      
I. Overdraft      
     Multinational 0.5 to 5.00   
     Prime 0.5 to 5.00 1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
II. TR/ Import Loan      
     Multinational 0.25 to 5.00   
     Prime 0.25 to 5.00 1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
III. Demand Loan      
     Multinational 0.5 to 5.00   
     Prime 0.5 to 5.00 1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
IV. Short Term Loan (STL)      
     Multinational 0.5 to 4.75   
     Prime 0.5 to 4.75 1.00 to 6.00
     Others 0.5 to 5.00 1.00 to 6.00
V. Structured Short Term/ Time Loan upto 5.00   
VI. Channel Financing upto 5.00 upto 6.00
VII. Nabil Easy Loan      
     Term Loan upto 5.00   
     Overdraft upto 5.00   
VIII. Nabil Nari Karja    upto 6.00
IX. Nabil Sajilo Karja     upto 6.00 
X. Nabil Sajilo Express Karja    upto 6.00
7. Equity Mortgage Loan upto 5.00 upto 6.00
8. Institutional Auto Finance upto 5.00 upto 6.00
B. RETAIL LOANS  
1. Housing  upto 7.00
2. Mortgage upto 7.00
3. Auto  
     I. Private Upto  7.00
     II. Commercial Upto  7.00
     III. Tractor Loan Upto  7.00
     IV. Electric Vehicle Upto  7.00
4. Education Upto 7.00
5. Personal Overdraft Upto 7.00
6. Corporate Employees Loan Upto 7.00
7. Nabil Personal Loan/OD for Employees Upto 7.00
8. Nabil Fone Loan Upto 9.00
9. Fixed Rate Education Loan 10.50#
10. Fixed rate Retail Loan Products#
Up to 5 years
Housing and Mortgage 8.49%
Other Retail Loans 11.50%
Auto Loans                                                                                                           8.99%
Above 5 Years to 7 Years    
Auto 11.00%
Above 5 Years to 10 Years
Housing and Mortgage 10.50%
Above 10 Years to 15 Years
Housing and Mortgage 11.00%
C. LOAN AGAINST  
1. Fixed Deposit (Nabil Bank) Upto 3.50*
2. Fixed Deposit (Other Banks) Upto 3.50*
3. 1st Class Bank Guarantee Upto 5.00
4. Other Bank's Guarantee Upto 5.00
5. Government Securities Upto  5.00
6. LCY Loan against FCY Deposit Upto  5.00
7. Loan against Share Upto 7.00
D. OTHER LOANS Upto 7.00
* Base rate or coupon rate whichever is higher plus premium upto 3.5%  
# Rates are all-in-rates (Base rate plus Premium)  

Notes:

  1. The effective applicable loan interest rate shall be automatically revised with effect from the 1st day of every quarter based on the change in the previous quarter-end (Bikram Sambat Calendar) base rate as published by the Bank periodically.
  2. Interest rates on consortium loans shall be as decided by consortium meetings.
  3. Penal interest shall be charged at 2% above the agreed/applied premium over base rate on all overdue/expired loans.
  4. Interest rate on foreign currency loans shall be determined on deal to deal basis as per market movements and/or LIBOR plus premium subject to applicable NRB guidelines.
  5. Call deposit interest rate shall be as per agreement subject to applicable NRB guidelines.
  6. Interest rates on loans against NRB refinance shall be as per applicable NRB guidelines.
  7. Additional interest rate premium shall be applicable in case of restructuring/rescheduling/downgrading of account or any non-compliance in agreed terms of sanction.
  8. Nabil Super Institutional Fixed Deposit (for bidding purpose only) has been scrapped effective from end of 31st Chaitra 2077.
  9. Please contact any of our nearest branches for further details.
Base Rate - Chaitra 2077 LCY Interest Spread - Chaitra 2077
6.18% 3.20%