NIC ASIA Bank Limited
Interest Rates
Effective from
1st Shrawan 2083 (17th July 2026)
A. Interest Rate on Deposit Products
LCY Deposit - Saving
Sathi Bachat Khata 3.25%
Other Saving Products 2.75%
LCY Deposit - Fixed
Tenure - Individual Fixed Deposit
3 Month 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
6 Months to less than 5 Years 2.75%
5 Years and Above 3.00%
LCY Deposit - Other
Call Deposit (NPR) Up to 1.37%
FCY Deposit
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) Fixed Interest Rate
Minimum Risk Premium Maximum Risk Premium
Auto Loan-Private Vehicle Red Plate-Prime 0.25% 2.25% 7.49%
Auto Loan- Private Vehicle Red Plate-Standard 1.00% 3.00% 7.99%
Loan Type Premium/Discount Interest Rate
Auto Loan -Commercial vehicle Black Plate 1.00% 3.00% 7.99%
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% 8.99%
Gold Loan 0.50% 2.50% 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.
7. For further details including Standard Tarrif Charges (STC), please visit the Bank's website www.nicasia bank.com
*In addition to above published rate, Minimum Rate for a loan against FD shall be Coupon Rate + upto 2%.
Average Base Rate (Jestha 2083) : 6.04%
