एनएमबी बैंकको श्रावण महिनाको निक्षेपमा ब्याजदरNMB Bank's Deposit Interest Rates for Shrawan

Effective Date : Shrawan

A. INTEREST RATE ON DEPOSIT PRODUCTS

Saving Deposit (LCY)

NMB Premium Super Talab Khata (For Payroll Account only) 2.75%

NMB General Payroll Account 2.75%

NMB Go-Green Savings Account 2.75%

NMB Jestha Nagarik Bachat Khata 2.75%

NMB Mahila Bachat Khata 2.75%

NMB Karmath Yuva Savings Account 2.75%

NMB Student Savings Account 2.75%

NMB Amulya Bachat Khata 2.75%

Super Talab Khata (For Payroll Account Only) 2.75%

Sabaiko Sahara Bachat (Available for unbanked population, Rs. 100 to deposit from Bank) 2.75%

NMB Jeevan Chakra 2.75%

Social Security Savings (For Social Security Distribution Account Only) 2.75%

NMB Ujyalo Pariwar Bachat Khata 2.75%

NMB Ujyalo Pension Bachat Khata 2.75%

NMB Normal DO Savings 2.75%

Sulav Muddati Retail 2.75%

NMB Digital Banking Savings Account 2.75%

All Other normal Savings Account 2.75%

Pradesh Bachat Khata 2.75%

NMB Janmabhumi Bachat Khata (Remittance) 3.75%

Call Deposit (NPR) Up to 1.375%

Fixed Deposit (NPR)

3 Months to Below 6 Months Individual 2.75% Institution -

6 Months to Below 3 Years Individual 2.75% Institution 2.75%

3 Years to Below 5 Years Individual 3.50% Institution 3.00%

5 Years and Above Individual 4.50% Institution 3.50%

NMB Janmabhumi Muddati Khata (Remittance) Plus 1% on above Individual FD Rates

Note: Interest for Green Call & Green FD shall be as per above normal call, FD rates and their respective tenur

Interest Rate of Foreign Currency Deposits (% p.a.)

Deposits FCY (Individual/ Institution*) Fixed 3 Months and Above Savings Deposit Call De

US Dollar-USD 3.40% 2.00% -

INTEREST RATE ON LOAN PRODUCTS

Effective from Shrawan 1, 2083 (July 17, 2026)

Project Finance

Product Manufacturing Service & Healthcare Tourism & Hospitality

Working Capital-Term 0.50-2.50 0.50-2.50 0.25-2.25

Working Capital-Revolving 0.25-2.25 - -

Working Capital-TR 0.50-2.50 - -

Cash Credit 0.50-2.50 - -

Term 0.50-2.50 - -

Energy Financing

Product Manufacturing Power Generation Trading

Working Capital-Term 1-3 - 1-3

Working Capital-Revolving 1-3 0.25-2.25 1-3

Cash Credit 1-3 0.25-2.25 1-3

Term Loan 1-3 - 1-3

Bridge Gap 1-3 0.50-2.50 -

Term-Hydro - 0.25-2.25 -

Term-Utility Scale Solar - 0.25-2.25 -

Term-Roof Top Solar - 1-3 -

Term-Others 1-3 0.5-2.5 1-3

Agriculture

Product All Sectors

Working Capital-Term 1-3

Working Capital-Revolving 1-3

Cash Credit 1-3

Term Loan 1-3

Corporate-Agriculture 0-2

Retail

Product All Sectors

Housing Up to 30 Mio 0.5-2.5

Housing Above 30 Mio 0.5-2.5

Product Personal Business Public/Commercial

Electric Vehicle 0.5-2.5 0.5-2.5 2-4

ICE Vehicle - 1-3 -

Land Purchase-Up to 10 Mio - 1-3 -

Land Purchase-Above 10 Mio - 2-4 -

Loan Against Property - 2-4 -

Margin Lending - 0.25-2.25 -

NMB Talab Karja - 2-4 -

ग्रेट ब्रिटेन पाउण्ड-GBP 3.00% 2.50%

युरो-EUR 2.00% 1.50%

क्यानेडियन डलर-CAD 2.25% 1.50%

अष्ट्रेलियन डलर-AUD 3.00% 2.00%

जापानी येन-JPY 1.00% 0.50%

चिनियाँ युआन-CNY 1.50% 1.00%

अन्य विदेशी मुद्रा निक्षेप Central Bank rate plus Up to 4% Central Bank rate plus Up to 2.5%

* संस्थागत विदेशी मुद्रा मुद्दती निक्षेपको अवधि छ महिना वा सोभन्दा बढी हुनेछ।

एनएमबि नमस्ते विदेशी मुद्रा मुद्दती निक्षेप (न्यूनतम १ वर्ष) गैर-आवासीय नेपालीका लागि मात्र

अमेरिकी डलर 3.75%

बेलायती पाउण्ड 3.00%

युरो 2.50%

क्यानेडियन डलर 3.00%

अष्ट्रेलियन डलर 3.00%

ख. कर्जा उत्पादनमा ब्याजदर

Premium (%) Over Base Rate

कर्जा उत्पादनहरू उत्पादन सेवा व्यापार

कर्पोरेट

कार्यशील पूँजी-म्यादी 0.50-2.50 0.50-2.50 0.50-2.50

कार्यशील पूँजी-परिक्रामी 0.25-2.25 0.25-2.25 0.25-2.25

कार्यशील पूँजी-TR 0.15-2.15 0.15-2.15 0.15-2.15

नगद कर्जा 0.25-2.25 0.25-2.25 0.25-2.25

म्यादी/भाडा खरीद 0.50-2.50 0.40-2.40 1-3

मध्य-कर्पोरेट

कार्यशील पूँजी-म्यादी 0.5-2.5 0.5-2.5 0.5-2.5

कार्यशील पूँजी-परिक्रामी 0.5-2.5 0.5-2.5 0.5-2.5

कार्यशील पूँजी-TR 0.5-2.5 0.5-2.5 0.5-2.5

नगद कर्जा 0.5-2.5 0.5-2.5 0.5-2.5

म्यादी 0.5-2.5 0.5-2.5 0.5-2.5

साना तथा मझौला उद्यम

कार्यशील पूँजी-म्यादी 1-3 1-3 1-3

कार्यशील पूँजी-परिक्रामी 1-3 1-3 1-3

नगद कर्जा 1-3 1-3 1-3

म्यादी 1-3 1-3 1-3

Personal Overdraft 2.5-4.5

Other Retail Loan 2-4

Education Loan 2.5-4.5

Micro-Finance (Retail & Wholesale) 0-2

Trade Contract Sales-Funded Lines 1-3

Loan Against Government Securities Base Rate or Coupon Rate (whichever is higher) plus up to 2%

Loan Against own FDR -

Loan & Advances- FCY

USD Term Loan/TR Loan Benchmark Rate plus Up to 3%

Fixed Interest Rate Loan Products Interest Rate (% Per Annum)

Project Finance BR+1.50% to 3.5%

Energy Financing BR+1% to 3%

Mid Corporate BR+1.75% to 3.75%

Roof-Top Solar BR+1.25% to 3.25%

Fixed Rate Home Loan

Sulav Ghar Karja - Upto 10 Years Fixed plus Floating 9.99%

Note: Applicable Floating Rate Premium Post Fixed tenure will be 2.99%

Fixed Rate: Other Retail Term Loans

Upto 5 Years 5 to 10 Years Above 10 Years

13.00% 13.50% 14.00%

NMB Sulav Auto Loan electric - Up to 5 Years 8.89%

NMB Sulav Auto Loan electric Above 5 Years to 7 Years 8.99%

Fixed rate-All other loan products BR +3% to 5%

Notes:

- Interest rate for Consortium Loan shall be as per Consortium decision

- Interest rate for Subsidy Loan shall be as per NRB Directive

- Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives.

- Interest rate for environmentally friendly housing (green homes) will be 0.5% lesser.

- Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts if not renewed or restructured

- Benchmark Rate : as per NRB directive