एन आई सी एशिया बैंक लिमिटेडको नयाँ ब्याजदर प्रकाशनNIC ASIA Bank Limited Publishes New Interest Rates

NIC ASIA Bank Limited

Interest Rates

Effective from 1st Ashwin 2083 (17th September 2026)

A. Interest Rate on Deposit Products

LCY Deposit - Saving Interest Rate (% per annum)

Sathi Bachat Khata 3.25%

Other Saving Products 2.75%

LCY Deposit - Fixed

Tenure - Individual Fixed Deposit Interest Rate (% per annum)

3 Months to 2 Years 2.75%

Above 2 Years to less than 5 Years 3.01%

5 Years and Above 4.00%

Tenure - Institutional Fixed Deposit Interest Rate (% per annum)

6 Months to less than 5 Years 2.75%

5 Years and Above 3.00%

LCY Deposit - Other Interest Rate (% per annum)

Call Deposit (NPR) Up to 1.37%

FCY Deposit Call Deposit Interest Rate (% per annum) Savings Deposit Interest Rate (% per annum) Fixed Deposit Interest Rate (% per annum) up to 1 year

USD Products up to 0.50% 1.00% up to 3.50%

EURO Products up to 0.25% 0.50% up to 2.00%

GBP Products up to 0.25% 0.50% up to 2.00%

JPY Products up to 0.05% 0.10% up to 0.50%

AUD Products up to 0.25% 0.50% up to 2.00%

B. Interest Rate on all Loans and Advances

Product Details Floating Interest Rate: Base Rate + Risk Premium (% per annum) Minimum Risk Premium Floating Interest Rate: Base Rate + Risk Premium (% per annum) Maximum Risk Premium Fixed Interest Rate

Auto Loan-Private Vehicle Red Plate-Prime 0.25% 2.25% 5.99%

Auto Loan- Private Vehicle Red Plate-Standard 1.00% 3.00% 5.99%

Auto Loan -Commercial Vehicle Black Plate 1.00% 3.00% 5.99%

Auto Loan-Green Plate 1.00% 3.00% 7.49%

Direct Deprived Sector Loan (Retail) 1.00% 3.00% 9.99%

Deprived Sector Loan (Wholesale-NonQualifying) 1.00% 3.00% 8.49%

Deprived Sector Loan (Wholesale-Qualifying) 0.00% 2.00% 6.49%

Home Loan 0.00% 2.00% 6.99%

Education Loan 1.00% 3.00% 6.99%

Gold Loan 1.00% 3.00% 7.99%

Personal Term Loan secured by Real Estate Collateral 1.00% 3.00% 8.49%

Personal Term Loan secured by Real Estate Collateral - under RRP 0.25% 2.25% 7.99%

Loan Against FDR * 0.00% 2.00% NA

Professional Loan-Prime 0.00% 2.00% 9.49%

Professional Loan- Standard 1.00% 3.00% 9.99%

Share Loan- All 0.00% 2.00% NA

Easy Business Loan 0.00% 2.00% 7.99%

Small Business Loan 0.00% 2.00% 7.99%

Premium Business Loan-Prime 0.00% 2.00% 7.49%

Premium Business Loan-Standard 1.00% 3.00% 7.99%

Corporate Loan-Prime 0.00% 2.00% 6.99%

Corporate Loan- Standard 0.25% 2.25% 7.49%

Other Loans 1.00% 3.00% 8.99%

Notes

1. For Remittance Deposit 1% additional interest rate shall be provided.

2. For Consortium Loans, interest rate shall be as per consortium decision.

3. Base rate adjustment on Loans with Floating interest rates shall be done with effect from 1st day of every Nepali Calender Month.

4. For Subsidy rate loan products, interest rates as per NRB Directives shall apply.

5. Fixed interest rates shall be reviewed in line with NRB Unified Directives.

6. Other Terms and Conditions shall remain same as published in previous month.