Interest Rate

Bal Bachat  3.00
Student Savings  3.00
Jestha Bachat  3.00
Lok Bachat  3.00
Nari Bachat  3.00
General Savings  3.00
Remittance Savings  3.00
Share Khata  3.00
Nabil Sahuliyat Khata  3.00
Corporate Staff Savings  3.25
Salary Savings  3.75
Bachat Yojana  4.00
Super Savings 4.50
Employee Savings 4.50
Premium Nari Bachat 4.50
Premium Payroll Savings  5.00
Shareholders Savings  5.00
- 3 Months to below 6 Months  
   Personal  8.25
- 3 Months and above  
   Institutional 7.00
   Institutional (Renewal) 7.10
- Cumulative Fixed Deposit (1 Year)  
     Personal 7.00

Premium over Base Rate
(% per annum)

1. Productive Sector  
     Institutional Prime Upto 5.00
     Institutional Others Upto 5.00
     Tourism Sector Upto 5.00
     Agriculture Loan Upto 5.00
2. Deprived Sector  
Institutional Prime Upto 5.00
Institutional Others Upto 5.00
Direct Lending (Agriculture and SME) 2.00
Direct Lending (Others) Upto 5.00
3. Interest Subsidized Loan 2.00
4. Export Finance  
     Prime Upto 4.75
     Others Upto 5.00
5. Term Loan  
     Multinational Upto 4.75
     Prime Upto 5.00
     Others Upto 5.00
6. Working Capital Loan  
I. Overdraft  
     Multinational Upto 5.00
     Prime Upto 5.00
     Others Upto 5.00
II. TR/ Import Loan  
     Multinational Upto 5.00
     Prime Upto 5.00
     Others Upto 5.00
III. Demand Loan  
     Multinational Upto 5.00
     Prime Upto 5.00
     Others Upto 5.00
IV. Short Term Loan (STL)  
     Multinational Upto 4.75
     Prime Upto 4.75
     Others Upto 5.00
V. Structured Short Term/ Time Loan Upto 5.00
VI. Nabil Easy Loan  
     Term Loan Upto 5.00
     Overdraft Upto 5.00
VII. SME Fast Track Loan 3.48
VIII. Nabil Nari Karja 1.97
IX. Nabil Sajilo Karja 2.48
X. Nabil Sajilo Express Karja 2.28-2.48
7. Equity Mortgage Loan Upto 5.00
8. Institutional Auto Finance Upto 5.00
1. Housing (Residential) Upto 5.00
2. Mortgage Upto 5.00
3. Auto  
     I. Private Upto 5.00
     II. Commercial Upto 5.00
     III. Tractor Loan Upto 5.00
     IV. Electric Vehicle Upto 4.00
4. Education Upto 5.00
5. Personal Overdraft Upto 5.00
6. Corporate Employees Loan Upto 4.00
7. Nabil Personal Loan/OD for Employees Upto 5.00
I. Fixed Deposit (Nabil Bank) Upto 3.50*
II. Fixed Deposit (Other Banks) Upto 3.50*
III. 1st Class Bank Guarantee Upto 5.00
IV. Other Bank's Guarantee Upto 5.00
V. Government Securities Upto 5.00
VI. LCY Loan against FCY Deposit Upto 5.00
VII. Loan against Share Upto 5.00
D. OTHER LOANS Upto 5.00
* Base rate or coupon rate whichever is higher plus premium upto 3.5%


  • The Effective applicable interest rate will be Base rate plus premium specified above for particular Loan Product.
  • The effective applicable 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 Calendar) base rate as published by the Bank periodically.
  • Interest rates on consortium loans shall be as decided by consortium meetings.
  • Penal interest shall be charged at 2% above the agreed premium over base rate on all overdue/expired loans and loans that do not comply with agreed terms.
  • Agriculture loans to youth shall be charged interest rate as per NRB guidelines.
  • Interest rates on foreign currency loans shall be determined on deal to deal basis as per market movements and/or LIBOR plus premium subject to NRB guidelines as applicable.
  • As agreed upon with the customer or as advised to the customer Call Deposit interest rates shall be customer specific subject to NRB guidelines.
  • Please contact any of our nearest branches for further details.


A. Fixed Deposit  
     NRN Fixed Deposit (USD) 3.33%
  • 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.
Base Rate - Chaitra 2076 LCY Interest Spread - Chaitra 2076
7.82% 5.34%