NMB Bank

Interest rate

Effective Date : Mangsir 1, 2078 (November 17, 2021)

Base Rate and Interest Rate of Past Three Years

Deposit Products        
LCY Saving Deposits Rates Per annum Minimum Balance (NPR)    
Saral Muddati Bachhat Khata 5.05% NIL    
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) 5.05% 1,000    
NMB Premium Super Talab Khata 5.05% NIL    
NMB Super Talab Khata 5.05% NIL    
NMB Sahara Bachat Khata 5.05% 1,000    
NMB Umanga Bachat Khata 5.05% 100    
NMB Talab Khata 5.05% NIL    
NMB Manyajan Bachat Khata 5.05% NIL    
Nari Bachat Khata 5.05% 100    
Atulya Bachat Khata 5.05% NIL    
Sulav Muddati Savings 5.05% NIL    
Micro Bachat Khata 5.05% NIL    
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) 5.05% 100 (100 Deposited by Bank)    
Social Security Savings 5.05% NIL    
Surakchhit Jeevan Bachat Khata 5.05% 1,000    
Namaste Savings 5.05% 10,000    
Metro Card Savings 5.05% 100    
Metro POS Savings 5.05% 100    
NMB Smart Savings - Digital 5.05% NIL    
Normal DO Savings 5.05% NIL    
NMB Jeevan Chakra 5.05% 5,000 to 50,000    
NMB Samman Bachat Khata 5.05% 10,000    
NMB Investor Savings 5.05% NIL    
FCY Deposits        
US Dollar Savings 3.00% NIL    
GBP Savings 2.00% NIL    
EUR Savings 1.00% NIL    
CAD Savings 1.00% NIL    
AUD Savings 1.00% NIL    
Other Fcy Savings Upto 1% NIL    
NMB Namaste FCY FD (min. 2 years) *product for Non Resident Nepalese Only  
USD 4.00% Minimum $10,000 or equivalent    
GBP 3.10%    
EUR 3.00%    
CAD 3.00%    
AUD 3.00%    
Recurring Deposit        
Recurring Education Plan 5.00%  500    
Khutruke Bachat 5.00% 100    
Surakchhit Bal Saichhik Khata 5.50% 100    
NMB Mero Kramik Khata(Recurring Deposit) 7.00% 1,000/5,000/10,000/25,000/50,000    
Call Deposit Rate Up to 50% of minimum Saving Interest Rate    
         
Fixed Deposit  
Products/Tenure Institution Individual  
  Fresh Renewals (Bidding)  
3 Months 9.05% 9.15% 10.05%  
4 Months to Below 1 Year 9.05% 9.15% 10.05%  
1 Year and Above 9.05% 9.15% 10.05%  
Manyajan Muddati (1 year)     10.05%  
Saral Muddati Bachhat Khata     10.05%  
NMB Smart FD- 1 year*     10.05%  
Mero Muddati Khata-Tenure: 3 Months and Above Interest Payment: Monthly   10.05%  
Note: 1%  additional interest rate on above mentioned Individual Deposits will be applicable for inward remittance
*Interest rate for NMB Smart FD for other tenures shall be same as the rates provided for normal FD
 
Loan Products   % Per Annum on Base Rate    
Corporate        
Cash Credit / Overdraft BR+ Up to 6    
Working Capital Loan Up to 6    
Trust Receipt Loan Up to 6    
Export Loan Up to 6    
Term Loan Up to 6    
Consortium Loans As decided by consortium    
Mid-Corporate        
Cash Credit / Overdraft BR+ Up to 6    
Working Capital Loan Up to 6    
Trust Receipt Loan Up to 6    
Term Loan Up to 6    
Export Loan Up to 6    
Bridge Gap Loan Up to 6    
SME        
Cash Credit / Overdraft BR+ Up to 6    
Working Capital Loan Up to 6    
Term Loan Up to 6    
Trust Receipt Loan Up to 6    
Interest Subsidy Loan As per NRB Circular    
M-SME & Agriculture        
MSME Loan BR+ Up to 6    
NMB Sulav Karja Up to 6    
Personal Business Loan Up to 6    
Agriculture Loan Up to 6    
Agriculture Loan (Under Subsidy) As Per NRB Circular    
Retail Banking        
Housing Loan BR+ Up to 6    
Land Purchase Up to 6    
Auto Loan Up to 6    
Personal Loan Up to 6    
Professional Loan Up to 6    
Education Loan Up to 6    
NMB Talab Karja Up to 6    
Motorbike Loan Up to 6    
Gold and Silver Loan Up to 6    
Consumer Durable Loan Up to 6    
NMB Sapati Up to 5    
Other        
Loan Against Bank Guarantees/SBLC** BR+      
Loan Against Properties Up to 6    
Personal Overdraft(Retail/SME/MSME/AG) Up to 6    
Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) Up to 6    
Electric Vehicle (Commercial) Up to 6    
Electric Vehicle (Private) Up to 6    
Margin Lending Up to 6    
Loan Against Government Securities* Base Rate or Coupon Rate (whichever is higher) plus up to 2%    
Loan Against own FDR*    
Energy        
Energy Project Under Consortium Financing As decided by consortium    
Hydropower BR+ Up to 6    
Micro Hydro Up to 6    
Solar Related Loan*** Up to 6    
Bio Gas Related Up to 6    
Term Loan Up to 6    
Working Capital Up to 6    
Trust Receipt Loan Up to 6    
Retail Microfinance Loan        
Structured Low Cost Housing*** BR+ Up to 6    
Microfinance retail Up to 6    
Returnee Migrant Loan (Without Subsidy) Up to 6    
Wholesale Microfinance Loan        
"D Class Banks" & Other Inst BR+ Up to 6    
FINGO Up to 6    
Agriculture Co-operatives Up to 6    
Other Co-operatives & Institution Up to 6    
FCY Loan Libor 6 Months plus Up to 6%    
Fixed Interest Rate Loan Products Fixed Tenure       Interest Rate  
Project Financing   Prime Others  
  Upto 5 years 9.25% to 9.50%     9.50% to 11.00%  
  5 to 10 years 9.50% to 10.00% 10.00% to 12.00%  
Energy Financing % Per Annum  
Roof-Top Solar BR + Up to 4%  
Energy- Brown Field Project  
Energy- Green Field Project  
Retail Term Loan % Per Annum  
Home Loan BR + Up to 6%  
Land Purchase Loan  
Loan Against Property  
Education Loan  
Personal Loan  
Professional Loan  
Talab Karja  
Auto Loan  
Electric Vehicle Loan  
Other Term Loan  
Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts   
* Rate applicable as per tie up agreement.  
**For Consortium Loan-Rate applicable as per consortium decision  
***Applicable for new loans only  
Interest rate for environmental friendly housing (green homes) will be 0.5% lesser  
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