Interest Rate :
1. Fixed Deposit LCY
Time Period Interest Rate % P.A. Individual Minimum Balance
3 Months to 12 Months 2.80 -
| Above | 12 | 24 | 2.85 | |
| Above | 24 | 60 | 3.50 | 10,000.00 |
| Above | 60 | 4.50 | 50,000.00 | |
| Above | 12 | 24 | 3.85 | 100,000.00 |
| Above | 24 | 60 | 4.50 |
Above 60 Months (Remittance) 5.50 -
Time Period Interest Rate % P.A. Institutional
6 Months to 2 Years 2.75
| Above | 2 | 3 | 2.85 |
| Above | 3 | 5 | 3.01 |
Above 5 Years 3.30
2. Sanima Recurring Deposit (Individual)
Time Period Interest Rate % P.A. Minimum Balance
12 Months to 60 Months 2.85 NPR 1,000.00
3. Call Deposit (LCY)
Interest Rate % P.A. Minimum Balance (NPR)
Up to 1.375 -
4. Saving Deposits
A. LCY
Interest Rate % P.A. Minimum Balance (NPR)
Sanima Super Remittance Savings Account 3.80 -
Sanima Remittance IPO Saving Account 3.80 -
| Sanima NRN Special Savings | 2.80 | 5,000.00 |
| Sanima Super Savings Khata | 2.80 | 25,000.00 |
| Sanima Family Super Savings Account | 2.80 | 15,000.00 |
Sanima Platinum Payroll Savings Account 2.80 -
Sanima Sunaulo Bachat Khata 2.80 10,000.00
Sanima Dirghayu Bachat Khata 2.75 -
Sanima Sahaj Bachat Khata 2.75 -
Sanima Mero Bachat Khata 2.75 -
Sanima Special Salary Account 2.75 -
Sanima Dirghayu Talab Khata 2.75 -
Generation Sanima Savings Account 2.75 -
ALL Other LCY Saving Accounts 2.75 -
B. FCY
Saving (Interest Rate % P.A.) Minimum Balance Call (Interest Rate % P.A.)
Sanima Platinum USD Saving Account 1.85 USD 20,000.00 -
Sanima Remittance Platinum USD Savings 2.85 - -
| USD Account | 1.35 | 10.00 | 0.68 |
| GBP Account | 1.10 | 5.00 | 0.55 |
| CAD Account | 1.35 | 5.00 | 0.68 |
| EUR Account | 0.95 | 5.00 | 0.48 |
| AUD Account | 1.18 | 5.00 | 0.59 |
| JPY Account | 0.55 | 1,000.00 | 0.28 |
| CNY Account | 0.95 | 100.00 | 0.48 |
5. FCY Fixed Deposit (For Individual)
Time Period Currency Interest Rate % P.A. Minimum Balance
| 3 Months and above GBP | 1.30 | 1,000.00 |
| 3 Months and above CAD | 1.50 | 1,000.00 |
| 3 Months and above EUR | 1.15 | 1,000.00 |
| 3 Months and above AUD | 1.37 | 1,000.00 |
| 3 Months and above JPY | 0.85 | 1,000.00 |
| 3 Months and above CNY | 1.25 | 100.00 |
6. FCY Fixed Deposit (For Institutional)
Time Period Currency Interest Rate % P.A. Minimum Balance
| 6 Months and above GBP | 1.30 | 1,000.00 |
| 6 Months and above CAD | 1.50 | 1,000.00 |
| 6 Months and above EUR | 1.15 | 1,000.00 |
| 6 Months and above AUD | 1.37 | 1,000.00 |
| 6 Months and above JPY | 0.85 | 1,000.00 |
| 6 Months and above CNY | 1.25 | 100.00 |
Shrawan, 2083
USD Fixed Deposit For Individual and Institution
Tenure Currency Interest Rate % P.A. Minimum Balance
| 3 Months to | 6 | 1.95 | 1,000.00 |
| Above | 6 | 12 | 2.08 |
Above 12 Months USD 2.25 -
Premium USD Fixed Deposit For Individual and Institution
Tenure Currency Interest Rate % P.A. Minimum Balance
| 3 Months to | 6 | 2.75 | 1,000,000.00 |
| Above | 6 | 12 | 3.00 |
Above 12 Months USD 3.15 -
6. With effective from Sharwan 1, 2083, Interest Payment frequency will be quarterly on all Savings and Call Deposit.
7. For all new fixed deposit accounts opened, interest payment frequency will be quarterly with effective from Shrawan 1, 2083.
8. 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.
9. Risk Premium Rate Over Base Rate for CORPORATE Group as under:
a. Corporate - Term Type Loan including Permanent Working Capital Loan 1.20% - 3.20%
b. Corporate - Term Type Loan including Permanent Working Capital (In swapping case) 0.80% - 2.50%
c. Corporate - Term Type Loan to Hire Purchase Companies 0.75% - 2.75%
c. Corporate- Working Capital Loan (Revolving) including Cash Credit 0.90% - 2.75%
d. Corporate - Working Capital Loan (Revolving) including Cash Credit (In swapping case) 0.55% - 2.50%
e. Corporate - Trust Receipt Loan/Short Term Loan/Bridge Gap Loan upto 270 days 0.50% - 2.50%
f. Corporate - Trust Receipt Loan (Adhoc) /Short Term Loan (Adhoc)/Bridge Gap Loan (Adhoc) for upto 180 days 0.25% - 2.25%
10. Risk Premium Rate Over Base Rate for SME Lending as under:
a. SME - Term Type Loan including Permanent Working Capital/Bridge Gap Loan 1.35% - 3.35%
b. SME - Term Type Loan including Permanent Working Capital (In Swapping Case- Limit Above Rs. 50 M) 1.05% - 3.00%
c. SME - Working Capital Loan (Revolving & Adhoc) including Cash Credit 1.15% - 3.10%
d. SME - Working Capital Loan (Revolving & Adhoc) including Cash Credit (In Swapping Case- Limit Above Rs. 50 M) 0.85% - 2.75%
e. SME - Trust Receipt Loan/Short Term Loan/Bridge Gap Loan upto 270 days (Limit above Rs. 50 M) 0.65% - 2.50%
f. SME - Trust Receipt Loan/Short Term Loan/Bridge Gap Loan for ADHOC upto 180 days (Limit above Rs. 50 M) 0.50% - 2.50%
11. Risk Premium Rate Over Base Rate for Agriculture (AGRO) Sector Lending as under:
a. Under AGRO Sector - Term Type Loan including Permanent Working Capital/Bridge Gap Loan Under Corporate Group 0.35% - 2.25%
b. Under AGRO Sector - Term Type Loan including Permanent Working Capital/Bridge Gap Loan - Other 0.60% - 2.50%
c. Under AGRO Sector- Working Capital Loan (Revolving & Adhoc) including Cash Credit under Corporate Group 0.25% - 2.25%
d. Under AGRO Sector- Working Capital Loan (Revolving & Adhoc) including Cash Credit - Other 0.50% - 2.50%
e. Under AGRO Sector- Trust Receipt/Short Term Loan to Export based Industries 0.15% - 2.15%
12. Risk Premium Rate Over Base Rate for ENERGY Sector Lending as under:
a. Under ENERGY Sector- Term Type Loan/Working Capital Loan 1.00% - 3.00%
b. Under ENERGY Sector- Bridge Gap Loan/Adhoc Working Capital Loan upto 365 days 0.55% - 2.50%
13. Risk Premium Rate Over Base Rate for MARGIN Lending/Loan Against SHARE/BONDS as under:
a. MARGIN Lending/Loan Against Share under Corporate (Limit Rs. 200 M & Above/per Borrower) 0.55% - 2.50%
b. MARGIN Lending/Loan Against Share - Other 1.25% - 3.00%
14. Risk Premium Rate Over Base Rate for HOME Loan as under:
a. ECO-HOME Loan 1.00% - 3.00%
b. HOME Loan 1.50% - 3.50%
15. Risk Premium Rate Over Base Rate for AUTO Loan as under:
a. AUTO Loan under Corporate Group 1.25% - 3.25%
b. AUTO Loan - Other 1.55% - 3.50%
16. Risk Premium Rate Over Base Rate for HOME EQUITY Loan (HEL) as under:
a. HEL attracting 150% Risk Weight 1.75% - 3.50%
b. HEL - Other 1.55% - 3.50%
17. Risk Premium Rate Over Base Rate for COMMERCIAL VEHICLE Loan (CVL/ HIRE PURCHASE Loan (HP) as under:
a. CVL/HP Loan attracting 150% Risk Weight 2.00% - 3.50%
b. CVL/HP Loan - Other 1.90% - 3.50%
- Risk Premium Rate Over Base Rate for PERSONAL OVERDRAFT 2.05% - 3.50%
- Risk Premium Rate Over Base Rate for EDUCATION Loan: 2.05% - 3.50%
- Risk Premium Rate Over Base Rate for PROFESSIONAL Loan: 1.80% - 3.50%
- Risk Premium Rate Over Base Rate for BILLS Discounting/Bills Purchase Loan: 0.35% - 2.35%
- Risk Premium Rate Over Base Rate for WHOLESALE DSL Loan Upto 2%
23. Risk Premium Rate Over Base Rate for ALL OTHER Categories Loan subject to complying under NRB Directives 1.75% - 3.50%
24. Interest rate Concession/Subsidy for Specified sector/Deprived Sector Loan as defined by NRB Directives.
25. Interest rate for all type loan under CONSORTIUM as decided by Consortium Meetings.
26. Interest Rate for Loan against FDR shall be Coupon Rate OR Base Rate, whichever is higher, plus Upto 0.60% to 2.00% risk premium.
27. Risk Premium Rate Over Base Rate for all Scheme/Agreement based lending as per the terms of Scheme/Agreement subject to complying under NRB Directives.
28. Fixed Rate for all type of Installment/Term Loan (% P.A.)
UPTO 13 Months 13 Months to 24 Months 24 Months to 36 Months Above 36 Months
Upto 9.50% Upto 10.00% Upto 10.50% Upto 11.00%
Note:
A. Base Rate 4.88% & Interest Rate Spread 3.49% (Jestha 2083)
B. Average Base Rate for the previous three consecutive months ending Jestha 2083: 4.99%
C. Penal Interest 2.00 % P.A.
