एनएमबी बैंकको निक्षेप र मुद्दती खाताको ब्याजदर (आषाढ)NMB Bank Deposit and Fixed Account Interest Rates (Ashar)

INTERES

Effective Date : Ashar

A. INTEREST RATE ON DEPOSIT PRODUCTS

Saving Deposit (LCY)

NMB Premium Super Talab Khata (For Payroll Account only) 3.01%

NMB General Payroll Account 2.76%

NMB Go-Green Savings Account 3.01%

NMB Jestha Nagarik Bachat Khata 2.76%

NMB Mahila Bachat Khata 2.76%

NMB Karmath Yuva Savings Account 2.76%

NMB Student Savings Account 2.76%

NMB Amulya Bachat Khata 2.76%

Super Talab Khata (For Payroll Account Only) 2.76%

Sabaiko Sahara Bachat (Available for unbanked population, Rs. 100 to deposit from Bank) 2.76%

NMB Jeevan Chakra 2.76%

Social Security Savings (For Social Security Distribution Account Only) 2.76%

NMB Ujyalo Pariwar Bachat Khata 3.01%

NMB Ujyalo Pension Bachat Khata 3.01%

NMB Normal DO Savings 2.76%

Sulav Muddati Retail 2.76%

NMB Digital Banking Savings Account 2.76%

All Other Normal Savings Account 2.76%

NMB Janmabhumi Bachat Khata (Remittance) 4.01%

Call Deposit (NPR)

Up to 1.375%

Fixed Deposit (NPR)

3 Months to Below 1 Year 2.76% -

1 Year to Below 18 Months 3.25% 2.75%

18 Months to Below 2 Years 4.00% 2.75%

2 Years to Below 5 Years 4.25% 3.00%

5 Years and Above 4.75% 4.00%

Manyajan Muddati (1 Year) 3.25% -

Saral Muddati Bachhat Khata (3 months) 2.76% -

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 tenure

INTEREST RATE ON LOAN PRODUCTS

2081 (June 15, 2026)

SME/MSME

Manufacturing Service Trading

Working Capital-Term 1-3 1-3 1-3

Working Capital-Revolving 1-3 1-3 1-3

Cash Credit 1-3 1-3 1-3

Term 1-3 1-3 1-3

Project Finance

Manufacturing Service & Healthcare Tourism & Hospitality

Working Capital-Term 0.50-2.50 - -

Working Capital-Revolving 0.25-2.25 - -

Working Capital-TR 0.50-2.50 0.50-2.50 0.25-2.25

Cash Credit 0.50-2.50 - -

Term 0.50-2.50 - -

Energy Financing

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

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

Housing Up to 30 Mio 0.5-2.5

Housing Above 30 Mio 0.5-2.5

Auto Loan

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 -

Recurring Deposit

NMB Mero Kramik Khata (Recurring Deposit) Multiples of १,०००.०० २.७५%

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

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

US Dollar-USD ३.४०% २.००% Up to Benchmark Rate

Great Britain Pound-GBP ३.००% २.५०% Up to Benchmark Rate

EURO-EUR २.००% १.५०% Up to Benchmark Rate

Canadian Dollar-CAD २.२५% १.५०% Up to Benchmark Rate

Australian Dollar-AUD ३.००% २.००% Up to Benchmark Rate

Japanese Yen-JPY १.००% ०.५०% Up to Benchmark Rate

Chinese Yuan-CNY १.५०% १.००% Up to Benchmark Rate

Other FCY Deposits Central Bank rate plus Up to ४% Central Bank rate plus Up to २.५% Up to Benchmark Rate

* Institutional FCY Fixed Deposit tenure shall be six months and above.

NMB Namaste FCY FD (min. 1 year) for Non Resident Nepalese Only

USD ३.७५% Minimum $ ५,००० or equivalent

GBP ३.००% Minimum $ ५,००० or equivalent

EUR २.५०% Minimum $ ५,००० or equivalent

CAD ३.००% Minimum $ ५,००० or equivalent

AUD ३.००% Minimum $ ५,००० or equivalent

B. INTEREST RATE ON LOAN PRODUCTS

Loan Products Premium (%) Over Base Rate

Manufacturing Service Trading

Corporate

Working Capital-Term ०.५०-२.५० ०.५०-२.५० ०.५०-२.५०

Working Capital-Revolving ०.२५-२.२५ ०.२५-२.२५ ०.२५-२.२५

Working Capital-TR ०.१५-२.१५ ०.१५-२.१५ ०.१५-२.१५

Cash Credit ०.२५-२.२५ ०.२५-२.२५ ०.२५-२.२५

Term/Hire Purchase ०.५०-२.५० ०.४०-२.४० १-३

Mid-Corporate

Working Capital-Term ०.५-२.५ ०.५-२.५ ०.५-२.५

Working Capital-Revolving ०.५-२.५ ०.५-२.५ ०.५-२.५

Working Capital-TR ०.५-२.५ ०.५-२.५ ०.५-२.५

Cash Credit ०.५-२.५ ०.५-२.५ ०.५-२.५

Term ०.५-२.५ ०.५-२.५ ०.५-२.५

जग्गा खरिद - १० मिलियन भन्दा माथि 2-4

सम्पत्ति धितो कर्जा 2-4

मार्जिन कर्जा 0.25-2.25

एनएमबी तलब कर्जा 2-4

व्यक्तिगत ओभरड्राफ्ट 2.5-4.5

अन्य खुद्रा कर्जा 2-4

शिक्षा कर्जा 2.5-4.5

लघुवित्त (खुद्रा र थोक) 0-2

व्यापार सम्झौता बिक्री-वित्त पोषित लाइनहरू 1-3

सरकारी धितोपत्र धितो कर्जा Base Rate or Coupon Rate (whichever is higher) plus up to 2%

आफ्नै मुद्दती निक्षेप धितो कर्जा Base Rate or Coupon Rate (whichever is higher) plus up to 2%

कर्जा तथा अग्रिम - विदेशी मुद्रा

अमेरिकी डलर मुद्दती कर्जा/टीआर कर्जा Benchmark Rate plus Up to 3%

निश्चित ब्याजदर कर्जा उत्पादनहरू

परियोजना वित्त BR+1.50% to 3.5%

ऊर्जा वित्त BR+1% to 3%

मध्यम कर्पोरेट BR+1.75% to 3.75%

छतमा सौर्य BR+1.25% to 3.25%

निश्चित ब्याजदर घर कर्जा

सुलभ घर कर्जा - १० वर्षसम्म निश्चित र फ्लोटिंग 9.99%

नोट: निश्चित अवधिको पछि लागू हुने फ्लोटिंग दर प्रिमियम २.९९% हुनेछ

निश्चित ब्याजदर: अन्य खुद्रा मुद्दती कर्जा

५ वर्षसम्म ५ देखि १० वर्ष १० वर्ष भन्दा माथि

निश्चित ब्याजदर: अन्य खुद्रा मुद्दती कर्जा 13.00% 13.50% 14.00%

एनएमबी सुलभ अटो कर्जा इलेक्ट्रिक - ५ वर्षसम्म 8.89% -

एनएमबी सुलभ अटो कर्जा इलेक्ट्रिक ५ वर्ष देखि ७ वर्षसम्म 8.99% -

टिप्पणीहरू:

- कन्सोर्टियम कर्जाको ब्याजदर कन्सोर्टियमको निर्णय अनुसार हुनेछ

- सहुलियत कर्जाको ब्याजदर राष्ट्र बैंकको निर्देशन अनुसार हुनेछ

- राष्ट्र बैंकले कुनै विशेष क्षेत्रका लागि निर्देशित कर्जा उत्पादनहरूको ब्याजदर राष्ट्र बैंकको निर्देशन अनुसार हुनेछ।

- वातावरणमैत्री आवास (हरित घर) को लागि ब्याजदर ०.५% कम हुनेछ।

- कर्जा उत्पादनहरूमा ब्याजदर निम्नस्तरीय, श्रेणीभन्दा तलका कर्जा खाताहरू र नवीकरण वा पुनर्संरचना नगरिएका असुली खाताहरूमा लागू हुनेछैन।

- बेन्चमार्क दर: राष्ट्र बैंकको निर्देशन अनुसार