सानिमा बैंकको आषाढ 2083 को ब्याजदर सूचनाSanima Bank Interest Rates for Ashad 2083

ब्याजदर : आषाढ, 2083

1. मुद्दती निक्षेप LCY

अवधि ब्याजदर % प्रति वर्ष (व्यक्तिगत) न्यूनतम मौज्दात

3 महिना देखि 12 महिना 2.80 -

12 महिना भन्दा माथि देखि 24 महिना 2.85 NPR 10,000.00 - ग्रामीण शाखाहरू

24 महिना भन्दा माथि देखि 60 महिना 3.50 NPR 50,000.00 - उपत्यका बाहिरका शाखाहरू

60 महिना भन्दा माथि 4.50 NPR 100,000.00 - उपत्यका भित्रका शाखाहरू

12 महिना भन्दा माथि देखि 24 महिना (रेमिट्यान्स) 3.85 -

24 महिना भन्दा माथि देखि 60 महिना (रेमिट्यान्स) 4.50 -

60 महिना भन्दा माथि (रेमिट्यान्स) 5.50 -

अवधि ब्याजदर % प्रति वर्ष (संस्थागत)

6 महिना देखि 2 वर्ष 2.75

2 वर्ष भन्दा माथि देखि 3 वर्ष 2.85

3 वर्ष भन्दा माथि देखि 5 वर्ष 3.01

5 वर्ष भन्दा माथि 3.30

2. सानिमा आवर्ती निक्षेप (व्यक्तिगत)

अवधि ब्याजदर % प्रति वर्ष न्यूनतम मौज्दात

12 महिना देखि 60 महिना 2.85 NPR 1,000.00

3. कल निक्षेप (LCY)

ब्याजदर % प्रति वर्ष न्यूनतम मौज्दात (NPR)

1.375 सम्म -

4. बचत निक्षेप

A. LCY

ब्याजदर % प्रति वर्ष न्यूनतम मौज्दात (NPR)

सानिमा सुपर रेमिट्यान्स बचत खाता 3.80 -

सानिमा रेमिट्यान्स IPO बचत खाता 3.80 -

सानिमा NRN विशेष बचत	2.80	5,000.00
सानिमा सुपर बचत खाता	2.80	25,000.00
सानिमा परिवार सुपर बचत खाता	2.80	15,000.00

सानिमा प्लेटिनम पेरोल बचत खाता 2.80 -

सानिमा सुनौलो बचत खाता 2.80 10,000.00

सानिमा दीर्घायु बचत खाता 2.75 -

सानिमा सहज बचत खाता 2.75 -

सानिमा मेरो बचत खाता 2.75 -

सानिमा विशेष तलब खाता 2.75 -

सानिमा दीर्घायु तलब खाता 2.75 -

जेनेरेसन सानिमा बचत खाता 2.75 -

अन्य सबै LCY बचत खाताहरू 2.75 -

B. FCY

बचत (ब्याजदर % प्रति वर्ष) न्यूनतम मौज्दात कल (ब्याजदर % प्रति वर्ष)

सानिमा प्लेटिनम USD बचत खाता 1.85 USD 20,000.00 -

सानिमा रेमिट्यान्स प्लेटिनम USD बचत 2.85 - -

USD खाता	1.35	10.00	0.68
GBP खाता	1.10	5.00	0.55
CAD खाता	1.35	5.00	0.68
EUR खाता	0.95	5.00	0.48
AUD खाता	1.18	5.00	0.59
JPY खाता	0.55	1,000.00	0.28
CNY खाता	0.95	100.00	0.48

5. FCY मुद्दती निक्षेप (व्यक्तिगतका लागि)

अवधि मुद्रा ब्याजदर % प्रति वर्ष न्यूनतम मौज्दात

3 महिना र माथि GBP 1.30 GBP 1,000.00

3 महिना र माथि CAD 1.50 CAD 1,000.00

3 महिना र माथि EUR 1.15 EUR 1,000.00

3 महिना र माथि AUD 1.27 AUD 1,000.00

3 महिना र माथि JPY 0.60 JPY 100,000.00

3 महिना र माथि CNY 1.00 CNY 10,000.00

FCY Fixed Deposit (For Individual)

Time Period Currency Interest Rate % P.A. Minimum Balance

3 Months to 6 Months AUD 1.37 AUD 1,000.00

3 Months and above JPY 0.85 JPY 1,000.00

3 Months and above CNY 1.25 CNY 100.00

FCY Fixed Deposit (For Institutional)

Time Period Currency Interest Rate % P.A. Minimum Balance

6 Months and above GBP 1.30 GBP 1,000.00

6 Months and above CAD 1.50 CAD 1,000.00

6 Months and above EUR 1.15 EUR 1,000.00

6 Months and above AUD 1.37 AUD 1,000.00

6 Months and above JPY 0.85 JPY 1,000.00

6 Months and above CNY 1.25 CNY 100.00

USD Fixed Deposit For Individual and Institutional

Tenure Currency Interest Rate % P.A. Minimum Balance

3 Months to 6 Months (For Individual Only) USD 1.95 USD 1,000.00

Above 6 Months to 12 Months USD 2.08 -

Above 12 Months USD 2.25 -

Premium USD Fixed Deposit For Individual and Institutional

Tenure Currency Interest Rate % P.A. Minimum Balance

3 Months to 6 Months (For Individual Only) USD 2.75 USD 1,000,000.00

Above 6 Months to 12 Months USD 3.00 -

Above 12 Months USD 3.15 -

6. Fixed Rate For all Term Loan (% P.A.)

up to 13 Months 13 Months to 24 Months 24 Months to 36 Months Above 36 Months

up to 9.50% up to 10.00% up to 10.50% up to 11.00%

7. With effective from Ashad 1, 2083, Interest Payment frequency will be quarterly on all Savings and Call Deposit.

8. For all new fixed deposit accounts opened, interest payment frequency will be quarterly with effective from Ashad 1, 2083.

9. Interest rate on FCY Fixed Deposit to NRN and / or on remittance shall be 1% above mentioned rates. Minimum Balance will be same as in FCY FD and NRN Savings.

10. Rate of interest on loan against FDR shall be coupon rate or base rate whichever is higher, plus upto 0.50% to 2.00% risk premium.

1. Risk Premium over base rate for Wholesale DSL Loan : up to 2.00%
2. Risk Premium over base rate for Adhoc/BGL Corporate STL/TR Loan (up to 1 Year) : 0.25% to 2.25%
3. Risk Premium over base rate for Corporate Cash Credit Loan : 1.00% to 3.00%
4. Risk Premium over base rate for Corporate Term Loan (Working Capital & Fixed Assets) : 1.25% to 3.25%
5. Risk Premium over base rate for Corporate Trust Receipt Loan/Short Term Loan (within LC)/BGL for 270 days : 0.50% to 2.50%
6. Risk Premium over base rate for Corporate Cash Credit Loan (Swap) : 0.50% to 2.50%
7. Risk Premium over base rate for Corporate Term Loan (Working Capital & Fixed Assets) (Swap) : 0.75% to 2.75%
8. Risk Premium over base rate for Hire Purchase Term Loan to Hire Purchase Companies : 0.75% to 2.75%
9. Risk Premium over base rate for Margin Lending / Loan Against Share/Bonds : 1.00% to 3.00%
10. Risk Premium over base rate for Margin Lending/Demand Loan Against Share/Bonds (NPR 20 Crore and Above) : 0.50% to 2.50%
11. Risk Premium over base rate for all Energy Sector Loan : 1.00% to 3.00%
12. Risk Premium over base rate for Tea Export Loan : 1% to 2.75%
13. Risk Premium over base rate for Adhoc/BGL Energy Sector Loan (for upto 1 year) : 0.50% to 2.50%
14. Risk Premium over base rate for Agriculture Sector Loan : 0.50% to 2.50%
15. Risk Premium over base rate for Agriculture Sector Loan under Corporate Working Capital Loan : 0.25% to 2.25%
16. Risk Premium over base rate for Agriculture Sector Loan (STL/TR) to export based industries : 0.15% to 2.15%
17. Risk Premium over base rate for SME Revolving Working Capital Loan : 1.10% to 3.10%
18. Risk Premium over base rate for SME Term Loan (Working Capital & Fixed Assets) : 1.35% to 3.35%
19. Risk Premium over base rate for SME Revolving Working Capital Loan (Swap) : 0.75% to 2.75%
20. Risk Premium over base rate for SME Term Loan (Working Capital & Fixed Assets) (Swap) : 1.00% to 3.00%
21. Risk Premium over base rate for Adhoc SME STL/TR Loan (within LC upto 270 days)/STL/BGL (upto 180 days) for (limit above NPR 50 Million) : 0.50% to 2.50%
22. Risk Premium over base rate for Bills Discounting/ Bills Purchase : 0.25% to 2.25%
23. Risk Premium over base rate for all other categories of loans and advances : 1.50 % to 3.50% subject to compliance of NRB Directive.

34. Interest rate on consortium loans shall be as decided by consortium meetings.

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

Note:

A. Base Rate 4.97% & Interest Rate Spread 3.64% (Baishak 2083)

B. Average Base Rate for the previous three consecutive months ending Baisakh 2083: 5.05%

C. Penal Interest 2.00 % P.A.