NMB Bank

Interest rate

Effective Date : Asadh 26, 2077 (July 10, 2020)

Deposit Products Rates Per annum   Minimum Balance (NPR)
LCY Saving Deposits Rates Per annum
Saral Muddati Bachhat Khata 5.50%   NIL
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 5.50%   25,000
Supreme Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 5.50%   1,000
NMB Premium Talab Khata 5.50%   NIL
NMB Premium Super Talab Khata 5.50%   NIL
NMB Super Talab Khata 5.50%   NIL
NMB Sahara Bachat Khata 5.50%   1,000
NMB Umanga Bachat Khata 5.50%   500 (For Kathmandu Valley Branches), 100 (For Outside Valley Branches)
NMB Talab Khata 5.50%   NIL
Nari-Samman Bachat Khata 4.50%   2,000
Sulav Remit Savings 4.50%   NIL
NMB Manyajan Bachat Khata 4.50%   NIL
NMB Smart Khata 4.50%   100
NMB Saral Bachat Khata 4.50%   5,000
Nari Bachat Khata 4.50%   100
NMB Delight Savings 4.50%   1,000
Atulya Bachat Khata 4.50%   NIL
Payroll Savings 4.50%   NIL
Young Saver's Account 4.50%   100  
Normal Savings 4.50%   1,000  
Sulav Muddati Savings 4.50%   NIL  
Swecchik Bachat Khata 4.50%   NIL  
Anibarya Bachat Khata 4.50%   NIL  
Micro Bachat Khata 4.50%   NIL  
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 5.50%   100 (100 Deposited by Bank)  
SSF Savings 4.50%   NIL  
Special Savings 5.50%   100  
Happy Savings 5.50%   5,000  
Golden Savings 5.50%   10,000  
Silver Savings 5.50%   2,500  
Social Security Savings 5.50%   NIL  
Surakchhit Jeevan Bachat Khata 5.50%   1,000  
Metro Card Savings 5.50%   100  
Metro POS Savings 5.50%   100  
NMB Namaste LCY Savings 5.50%   10,000  
NMB Smart Savings 5.50%   NIL
NMB JEEVAN CHAKRA        
NMB Balapan 5.50%   50,00  
NMB Joshila Haath 5.50%   5,000  
NMB Dridh Aakansha 5.50%   5,000  
NMB Naulo Soch 5.50%   5,000  
NMB Bishwash 5.50%   5,000  
NMB Safalta 5.50%   5,000  
NMB Prerana 5.50%   50,000  
FCY DEPOSITS        
US Dollar Savings 2.75%   NIL  
GBP Savings 1.00%   NIL  
EUR Savings 0.25%   NIL  
CAD Savings 1.00%   NIL  
AUD Savings 1.00%   NIL  
NMB NAMASTE FCY FD (min. 2 years) *product for Non Resident Nepalese Only        
USD 5.00%   Minimum $10,000 or its equivalent  
GBP 4.10%    
EUR 2.45%    
CAD 4.75%    
AUD 4.45%    
Recurring Deposit        
Recurring Education Plan 5.00%    500  
Khutruke Bachat 5.00%   100  
Surakchhit Bal Saichhik Khata 5.50%   100  
Recurring 42 Months (not available to new account holders) 5.50%   NIL  
Recurring 72 Months (not available to new account holders) 5.50%   1,000  
NMB Mero Kramik Khata
(Recurring Deposit)
8.25%   1,000/5,000/10,000/25,000/50,000  
Fixed Deposit Rates Per Annum
Tenure Institution Individual  
  New Renewal  
3 Months to Below 1 Year 7.00% 7.10% 8.25%  
1 year & above 7.00%        7.10% 8.25%  
Manyajan Muddati (1 year) - - 8.25%  
96 Days FD - - 8.25%  
Saral Muddati Bachhat Khata     8.25%  
NMB Smart FD - - 8.25%  
NMB Green FD - - 8.25%
Loan Products % Per Annum on Base Rate
Corporate     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 2 2 to 4 4 to 5
Working Capital Loan Up to 2 2 to 4 4 to 5
Trust Receipt Loan Up to 2 2 to 4 4 to 5
Export Loan Up to 2 2 to 4 4 to 5
Term Loan Up to 3 3 to 4 4 to 5
Consortium Loans As decided by consortium
Mid-Corporate     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 2 2 to 4 4 to 5
Working Capital Loan Up to 2 2 to 4 4 to 5
Trust Receipt Loan Up to 2 2 to 4 4 to 5
Term Loan Up to 2 2 to 4 4 to 5
Export Loan Up to 2 2 to 4 4 to 5
Bridge Gap Loan Up to 2 2 to 4 4 to 5
SME     Prime Standard Others
Cash Credit / Overdraft BR+   Up to 3 3 to 4 4 to 5
Working Capital Loan Up to 3 3 to 4 4 to 5
Term Loan Up to 3 3 to 4 4 to 5
Trust Receipt Loan Up to 3 3 to 4 4 to 5
Interest Subsidy Loan As per NRB Circular
M-SME & Agriculture     Prime Standard Others
MSME Loan BR+   Up to 3 3 to 4 4 to 5
NMB Sulav Karja Up to 3 3 to 4 4 to 5
Personal Business Loan Up to 3 3 to 4 4 to 5
Agriculture Loan Up to 3 3 to 4 4 to 5
Agriculture Loan (Under Subsidy) As Per NRB Circular
Retail Banking     Prime Standard Others
Housing Loan BR+   Up to 2 2 to 4 4 to 5
Land Purchase Up to 3 3 to 4 4 to 5
Auto Loan Up to 3 3 to 4 4 to 5
Personal Loan Up to 3 3 to 4 4 to 5
Professional Loan Up to 3 3 to 5 4 to 5
Education Loan Up to 3 3 to 4 4 to 5
Motorbike Loan - - Up to 5
Gold and Silver Loan - - Up to 5
Consumer Durable Loan - - 5
Other     Prime Standard Others
Loan Against Bank Guarantees/SBLC** BR+       2 to 5
Loan Against Properties Up to 3 3 to 4 4 to 5
Personal Overdraft(Retail/SME/MSME/AG) Up to 3 3 to 4 4 to 5
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) Up to 2 2 to 4 4 to 5
Electric Vehicle (Commercial) Up to 2 2 to 4 4 to 5
Electric Vehicle (Private) Up to 2 2 to 4 4 to 5
Margin Lending Up to 3 3 to 4 4 to 5
Loan Against Government Securities* Base Rate+2% or Coupon Rate+2% whichever is higher
Loan Against own FDR*
Energy     Prime Standard Others
Energy Project Under Consortium Financing As decided by consortium
Hydropower Up to 4
Micro Hydro BR+   Up to 2 2 to 4 4 to 5
Solar Related Loan*** Up to 2 2 to 4 4 to 5
Bio Gas Related Up to 2 2 to 4 4 to 5
Term Loan Up to 2 2 to 4 4 to 5
Working Capital Up to 2 2 to 4 4 to 5
Trust Receipt Loan Up to 2 2 to 4 4 to 5
Retail Microfinance Loan     Prime Standard Others
Structured Low Cost Housing*** BR+   Up to 3 3 to 4 4 to 5
Microfinance retail 0.5 to 3 3 to 4  4 to 5

Returnee Migrant Loan

(Without Subsidy)

  0.5 to 3 3 to 4 4 to 5
Wholesale Microfinance Loan     Prime Standard Others
"D Class Banks" & Other Inst BR+   Up to 2 2 to 4 4 to 5
FINGO Up to 2 2 to 4 4 to 5
Agriculture Co-operatives Up to 2 2 to 4 4 to 5
Other Co-operatives & Institution Up to 3 3 to 4 4 to 5
FCY Loan Libor 6 Months plus Up to 5%
Fixed Interest Rate Loan Products Fixed Tenure Interest Rate
Roof-Top Solar Fixed upto 10 Years 9.99 to 11.99%
NMB Fixed Rate Home Loan Fixed upto 5 Years 11%
Base Rate & Interest Spread Rate For the month of Jestha, 2077

Base Rate (BR)

9.32%
Spread Rate 4.35%
Note: The listed accounts of NMB Bank Limited and erstwhile Om Development Bank Limited have been converted to respective accounts.  

* Rate applicable as per tie up agreement.

**For Consortium Loan-Rate applicable as per consortium decision.

***Applicable for new loans only.

Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts 

Note: Call Rate : Max 2 % p.a 
(applicable for all clients except for those who have signed fixed period contracts with the Bank)

 

 

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