नबिल बैंकको निक्षेप तथा कर्जाको नयाँ ब्याजदर (२०८३ आषाढ १ देखि)Nabil Bank's New Interest Rates for Deposits and Loans (Effective Ashadh 1, 2083)

INTEREST RATES

Following rates on lending and deposit products shall be applicable from

15th June 2026 (1st Ashadh 2083)

LCY DEPOSITS

Interest Rates (% p.a.)

A. Savings Deposit:

Nabil General Savings Account 2.75

Nabil Premium Nari Bachat Khata 2.75

Nabil Jestha Bachat Khata 2.75

Nabil Bal Bachat Khata 2.75

Nabil Karmashil Bachat Khata 2.75

Nabil Social Security Savings Account 2.75

Nabil Gen N Account 2.75

Nabil Sahuliyat Khata 2.75

Corporate General Savings 2.75

LCY DEPOSITS

Savings Deposit:

Nabil Gen Alpha Account 2.75

Nabil Digo Bachat Khata 2.75

Nabil Shareholders Savings Account 2.77

Nabil Premium Payroll Savings Account 2.77

Corporate Premium Savings 2.77

Nabil Gold Savings Account 2.80

Corporate Super Savings 2.80

Nabil Gold Payroll Savings 2.80

Nabil Dhukka Bachat Khata 2.80

Nabil Premium Remittance Savings Account 3.80

B. Fixed Deposit:

Normal Remittance

Individual

3 months to below 6 months 2.80 3.80

6 months to 1 year 2.85 3.85

Above	1	2	3.00	4.00
Above	2	5	3.25	4.25
Above	5	10	4.00	5.00
Above	10	4.55	5.55

- Cumulative Fixed Deposit (1 Year) 2.85 3.85

Institutional

6 months to 1 year 2.75

Above	1	2	2.75
Above	2	5	2.85
Above	5	10	2.91

Above 10 years 3.01

Nabil Akshaya Kosh Muddati Negotiable

FCY DEPOSITS

Interest Rate (% per annum)

Currency Saving Deposit

USD Nabil USD Special Savings A/c 1.5

Nabil USD Elite Savings A/c 1.75

Fixed Deposits**

3 to 6 months 3.25

6 to 12 months 3.00

Above 12 months 2.75

Call Deposits Up to 0.75

Currency Deposit Interest Rate (% per annum)

GBP Saving Deposit 1.5

Fixed Deposits** 2

Call Deposits up to 0.75

EUR Saving Deposit 0.25

Fixed Deposits** 0.5

Call Deposits up to 0.12

Currency Deposit Interest Rate (% per annum)

JPY Saving Deposit 0.10

Fixed Deposits** 0.50

Call Deposits up to 0.05

AUD Saving Deposit 0.10

Fixed Deposits** 0.50

Call Deposits up to 0.05

** Minimum tenor for Individual Fixed Deposit is 3 months and Institutional Fixed Deposit is 6 months

NRN Fixed Deposit (Minimum Balance USD 1,000.00 or equivalent & minimum Tenor 1 year)

Currency USD GBP AUD

Interest Rate (% per annum) 3.50 2.25 2.25

LCY LOANS

Premium over base rate (% p.a.)

A. Business Loan

I. Directed Sector

Prime Standard

Energy 0.25-2.25 1.50-2.25

Loans to the specified sector as per NRB

Directive (up to NPR 20 million) 1.00-2.00 2.00-3.00

Agriculture (except specified sector as per

NRB Directive) 0.25-2.25 1.00-2.25

SME loan up to NPR 20 Million (except

specified sector as per NRB Directives) 1.00-2.50 2.00-3.00

II. Deprived Sector

Institutional Deprived Sector (MF-DSL) 0.00-2.00 -

Direct Deprived Sector Lending (DDSL) 1.00-2.00 -

Loan to Specified Sector as per NRB

directives 1.00-2.00 -

DDSL Auto Loan 1.50-3.00 2.00-3.50

Low Cost Housing 1.50-3.00 2.00-3.50

Other DDSL Products 1.50-3.00 2.00-3.50

3. Interest Subsidized Loan as per NRB 1.00-2.00 -

4. Export Finance

a. Corporate 1.00-3.00 2.00-3.00

b. SME 1.00-3.00 1.50-3.00

5. Term Loan

a. Corporate 1.00-3.00 2.00-3.00

b. SME 1.00-3.00 1.50-3.00

c. Contractor Business 1.50-3.50 2.00-3.50

d. Hospitality Business 0.75-2.75 1.75-2.75

e. Corporate Building Construction 0.75-2.75 1.75-2.75

f. Hire Purchase Company 0.75-2.75 1.75-2.75

6. Working Capital Loans

I. Cash Credit/Demand Loan/

Overdraft

a. Corporate 0.50-2.50 1.50-2.50

b. SME 0.75-2.75 1.50-2.75

c. Contractor Business 1.50-3.50 2.50-3.50

II. TR/Import Loans

a. Corporate 0.50-2.50 1.75-2.50

b. SME 1.00-3.00 1.50-3.00

c. Contractor Business 1.50-3.50 2.50-3.50

LCY LOANS

Premium over base rate (% p.a.)

A. Business Loan

III. Working Capital Term

Loan

a. Corporate 1.00-3.00 2.00-3.00

b. SME 1.25-3.25 1.50-3.25

c. Contractor Business 1.75-3.75 2.50-3.75

IV. Short Term Loan (STL)

a. Corporate 0.50-2.50 1.50-2.50

b. SME 1.00-3.00 1.50-3.00

c. Contractor Business 1.75-3.75 2.50-3.75

V. Structured Short Term

Loan/ Time Loan

a. Corporate upto 2 1.00-2.00

b. SME 0.75-2.75 1.00-2.75

c. Contractor Business 1.50-3.50 2.25-3.50

7. Bills Purchase/Documentary

Negotiation 0.50-2.50 1.00-2.50

1. Institutional Auto Loan 1.50-3.50 2.50-3.50
2. Equity Mortgage Loan 1.50-3.50 2.50-3.50
3. Channel Financing 1.00-3.00 2.00-3.00
4. Nabil Sakchyam Karja 1.00-3.00 1.50-3.00
5. Nabil Nari Karja 1.00-3.00 1.50-3.00
6. Nabil Sajilo Karja 1.00-3.00 1.50-3.00
7. Nabil Sajilo Express Karja 1.00-3.00 1.50-3.00
8. Nabil Kishan Karja 0.00-2.00 0.00-2.00
9. Nabil Udhyamshil Karja 1.50-3.50 1.75-3.50
10. Nabil Skill Migrant

Entrepreneurship Loan 1.00-3.00 1.00-3.00

18. Fixed rate Business Term

Loans other than Auto Loan

Up to 5 Years 11.00% 11.25%

Above 5 to 10 Years 11.25% 11.50%

Above 10 Years 11.50% 11.75%

19. Fixed rate Business Term

Loans For Vehicle Financing

Up to 5 Years 9.99% 9.99%

Above 5 to 7 Years 10.49% 10.49%

B. RETAIL LOAN

1. Sustainable Housing Loan 1.00-2.75
2. Affordable Housing Loan 0.75
3. Super Housing Loan 1.00-3.00
4. Housing Loan 0.50-2.50
5. Super Mortgage Loan 1.25-3.25
6. Mortgage Loan

Upto NPR 25 million 1.00-3.00

Above NPR 25 million 1.25-3.25

7. Auto

i. Private 1.00-3.00

ii. Commercial 2.50-4.00

iii. Tractor 3.00-4.00

iv. Electric Vehicle 1.00-3.00

1. Education 3.00-5.00
2. Personal Overdraft 1.50-3.50
3. Corporate Employee Loan 0.00-2.00
4. Nabil Professional Loan 3.50-4.00
5. Gold Loan 3.00-5.00
6. Nabil Fone Loan 5.00

B. RETAIL LOAN

14. Fixed Rate Education Loan 9.99%

15. Fixed Rate Retail Loan Products

a) Up to 5 years

Mortgage Loan upto NPR 25 million 8.49%

Mortgage Loan above NPR 25 million 10.99%

Other Retail loans 11.99%

Auto Loans 9.99%

Auto Loans Commercial 12.00%

b) Above 5 years to 7 years

Auto Loans 10.49%

c) Above 5 years to 10 years

Mortgage Loan upto NPR 25 million 9.99%

Mortgage Loan above NPR 25 million 11.49%

d) Above 10 years to 15 years

Mortgage Loan upto NPR 25 million 10.49%

Mortgage Loan above NPR 25 million 11.99%

e) Nabil Dhukka Ghar Karja

i. Fixed for 7 years 8.99%

ii. Fixed for 10 years 9.49%

C. Loan Against

1. Fixed Deposit (Nabil Bank)* 0.50-2.00

2. Fixed Deposit (Other banks)* 0.50-2.00

3. 1st Class Bank Guarantee 2.00-4.00

1. Other Bank's Guarantee 2.00-4.00
2. Govt. Securities 2.00-4.00
3. LCY Loan Against FCY Deposit 2.00-4.00
4. Loan Against Shares 1.00-3.00

* Coupon rate plus premium upto 2.00% or Base Rate whichever is higher.

# Rates are all-in-rates (Base Rate plus premium)

Average Base Rate applicable for Jestha 2083 (Last 3 months' average) 4.58%

LCY Interest Spread Rate for the month of Baisakh 2083 3.38%

Notes:

1. The effective applicable loan interest rate shall be automatically revised with effect from the 1st day of every month based on the change in the

immediate last three months (Bikram Sambat Calendar) average 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 subject to applicable NRB guidelines.

5. Interest rates on loans against NRB refinance shall be as per applicable NRB guidelines.

6. Call deposit interest rate shall be as per agreement subject to applicable NRB guidelines.

7. Interest rate concession shall be provided to the specified sector under normal Deprived Sector Loan in line with NRB Directive.

8. Bank shall comply applicable NRB circular/regulation while determining interest rate on Loan Products.

9. For loan against Institutional deposit to their staffs/associates, premium will be up to 2% on prevailing base rate.

10. In case Bank provides discount on Base Rate for the month; Applicable Base Rate can be lower than that of published Base Rate.

11. For organizations having co-service agreement, institutional FD rate of Above 10 years shall be applied.