सिद्धार्थ बैंकको निक्षेप तथा कर्जाको ब्याजदर (२०८३ साउन २ गतेदेखि लागू)Siddhartha Bank Deposit and Loan Interest Rates (Effective from July 17, 2026)

INTEREST RATE

Effective from July 17, 2026

DEPOSITS

Saving Deposit (NPR)

Siddhartha Sajilo Bachat Khata 2.75

Siddhartha Peacekeeping Savings 2.75

Siddhartha Life Secure Savings Account 2.75

Siddhartha Gen-Z Saving 2.75

Siddhartha Jeevan Surakshya Bachat Khata 2.75

Siddhartha Platinum Saving 2.75

Siddhartha Super Salary 2.75

Siddhartha Mero Share Khata 2.75

Siddhartha Jestha Nagarik Bachat 2.75

Siddhartha Bachat Account 2.75

Siddhartha Nari Bachat 2.75

Branchless Banking Account 2.75

Siddhartha Bal Bachat Khata 2.75

Siddhartha Social Security Saving 2.75

Siddhartha Investors Savings Account 2.75

Siddhartha Pay and Save Account (Parents) 2.75

Siddhartha Pay and Save Account (Child) 3.00

Siddhartha Remit Account 3.00

Siddhartha Platinum Plus Saving Account 3.05

Siddhartha Priority Saving Account 3.05

Siddhartha Professional Account 3.05

Siddhartha Horizon Platinum Saving 3.05

Siddhartha Smart Salary Account 3.05

SBL Premium Remit Saving Account 4.05

Call Deposit (NPR)

up to 0.50

Fixed Deposit

Individuals

3 months to below 1 year 3.00

1 year to 2 years 3.25

Above 2 years 4.05

Remittance

3 months to below 1 year 4.00

1 year to 2 years 4.25

Above 2 years 5.05

Institutions

1 year to 5 years 2.75

Above 5 years 3.25

Recurring Fixed Deposit (Only for Individuals)

Goal Saver Account 3.25

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

Currency Saving Deposit Fixed Deposit (Individual/Institutional) Call Deposit

- Up to 1 year More than 1 year

USD 2.50 3.27 3.00 up to 50% of lowest saving deposit interest rate of respective currency

For Other Currencies Negotiable

* FCY Deposit for NRN & Remittance Customers +1 % additional.

* Other terms & conditions of the deposit products remain unchanged.

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

LOANS AND ADVANCES

Description Interest Rate (% p.a.)

Fluctuating Working Capital (CC/OD/Short Term Loan/Import Loan/Working Capital Loan)

Large Corporate Base Rate + up to 2.25%

Corporate Base Rate + up to 2.25%

SME Base Rate + up to 2.50%

Micro Base Rate + up to 3.25%

Agriculture

Large Corporate Base Rate + up to 2.25%

Corporate Base Rate + up to 2.25%

SME Base Rate + up to 2.50%

Micro Base Rate + up to 3.25%

Working Capital - Term Loan

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.25%

Agriculture

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.25%

Other Loan Products

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.25%

Agriculture - -

Retail Loan Products

Home Loan Base Rate + up to 3.00%

Auto Loan Base Rate + up to 3.00%

Education Loan Base Rate + up to 3.00%

Personal Loan Base Rate + up to 3.00%

Share Loan Base Rate + up to 3.00%

Mortgage Loan Base Rate + up to 3.00%

Other Retail Loan Base Rate + up to 3.00%

Notes:

* Base Rate for the month of Ashad 2083 is 8.00%.

* Other terms & conditions of the loan products remain unchanged.

Loan Type Base Rate Premium

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.25%

Sustainable Fluctuating Working Capital Loan

Large Corporate Base Rate + up to 2.00%

Corporate Base Rate + up to 2.00%

Fixed Term Loan

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.25%

Energy Base Rate + up to 2.50%

Bridge Gap Loan

Large Corporate Base Rate + up to 2.50%

Corporate Base Rate + up to 2.50%

SME Base Rate + up to 3.00%

Micro Base Rate + up to 3.50%

Home Loan Base Rate + up to 3.00%

Auto Loan Base Rate + up to 3.00%

Commercial Vehicle Loan Base Rate + up to 3.25%

Professional Loan Base Rate + up to 3.25%

Education Loan Base Rate + up to 3.25%

Mortgage Loan

Overdraft Base Rate + up to 3.25%

Term Loan/Short Term Loan Base Rate + up to 3.25%

Export Finance

Against USD LC Base Rate + up to 2.75%

Against NPR & other currency LC Base Rate + up to 2.75%

Against USD export documents Base Rate + up to 2.75%

Against NPR & other currency export documents Base Rate + up to 2.75%

Loan Secured by :

Fixed Deposit - Coupon rate + up to 2.00% or Base Rate + up to 2.00% whichever is higher

Foreign Currency Deposits at SBL Base Rate + up to 2.75%

Government Bonds - Coupon rate + up to 2.00% or Base Rate + up to 2.00% whichever is higher

Bank Guarantees issued by Foreign Banks Base Rate + up to 3.25%

Loan against Shares Base Rate + up to 3.00%

FCY Loan Denominated in USD - Benchmark interest plus mutually agreed premium

Consortium Loan (Fixed & floating interest rate) - As per consortium decision

Deprived Sector Lending:

Indirect Lending (eligible to qualify under DSL) Base Rate + up to 2.00%

Direct Lending Base Rate + up to 3.50%

Others Base Rate + up to 3.50%

Loan up to Rs 2 crore (as prescribed by NRB) Base Rate + 2.00%

FIXED INTEREST RATE (% p.a.) FOR INDIVIDUAL TERM LOANS

Professional Loan 9.75 - -

Education Loan 9.25 9.75 9.75

Hire Purchase Loan Up to 5 Years Above 5 years -

- 9.75 10.25 -

Auto Loan Up to 5 Years Above 5 years -

- 9.25 9.75 -

Siddhartha Hamro Ghar Karja 7.75% p.a. and 7.49% p.a. for women (Fixed for 7 years)

Electric Vehicle 8.50% p.a. and 8.25% p.a. for women

FIXED INTEREST RATE (% p.a.) FOR OTHER THAN INDIVIDUAL TERM LOANS

Up to 5 years Above 5 years to up to 10 years 10 to 15 years

8.00 to 8.50 8.75 to 8.99 9.00 to 9.25

Average Base Rate of Preceding 3 months 5.13%

Jestha 2083 Base Rate 5.03%

Jestha 2083 Interest Spread Rate 3.62%

Note:

1. The effective applicable interest rates on loan is subject to change with effect from the first day of each month as per Nepali Calendar; triggered by change in Average Base Rate of preceding 3 months.

2. In case of loans eligible under interest subsidy, premium rates shall be applicable as per the circulars issued by NRB.

3. In case of loans where fixed premium prescribed by NRB, such premium shall apply.

4. Penal Interest 2% per annum.

5. Fixed Interest Rates for individual term loan shall be reviewed periodically as permitted by NRB.

6. Interest rate applicable to similar nature of loans shall be determined in line with NRB directive.