Effective Date : Magh 1, 2077 (January 14, 2021)
Product rate | Deposit Products | Rates Per annum | Minimum Balance (NPR) | |||||||
---|---|---|---|---|---|---|---|---|---|---|
LCY Saving Deposits | Rates Per annum | |||||||||
Saral Muddati Bachhat Khata | 5.10% | NIL | ||||||||
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 4.10% | 1,000 | ||||||||
NMB Premium Super Talab Khata | 5.10% | NIL | ||||||||
NMB Super Talab Khata | 5.10% | NIL | ||||||||
NMB Sahara Bachat Khata | 5.10% | 1,000 | ||||||||
NMB Umanga Bachat Khata | 4.00% | 100 | ||||||||
NMB Talab Khata | 3.10% | NIL | ||||||||
NMB Manyajan Bachat Khata | 5.10% | NIL | ||||||||
Nari Bachat Khata | 5.10% | 100 | ||||||||
Atulya Bachat Khata | 3.10% | NIL | ||||||||
Sulav Muddati Savings | 3.10% | NIL | ||||||||
Micro Bachat Khata | 3.10% | NIL | ||||||||
Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 5.10% | 100 (100 Deposited by Bank) | ||||||||
Social Security Savings | 3.10% | NIL | ||||||||
Surakchhit Jeevan Bachat Khata | 3.10% | 1,000 | ||||||||
Namaste Savings | 5.10% | 10,000 | ||||||||
Metro Card Savings | 3.10% | 100 | ||||||||
Metro POS Savings | 3.10% | 100 | ||||||||
NMB Smart Savings - Digital | 5.10% | NIL | ||||||||
Normal DO Savings | 3.10% | NIL | ||||||||
NMB Jeevan Chakra | 5.10% | 5,000 to 50,000 | ||||||||
NMB Samman Bachat Khata | 5.10% | 10,000 | ||||||||
FCY DEPOSITS | ||||||||||
US Dollar Savings | 2.00% | 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 | 4.00% | Minimum $10,000 or its 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) |
8.00% | 1,000/5,000/10,000/25,000/50,000 | ||||||||
Call Deposit Rate | 1.50% p.a. | |||||||||
Fixed Deposit | Rates Per Annum | |||||||||
Tenure | Institution | Individual | ||||||||
New | Renewal | |||||||||
3 Months to Below 6 Months | 6.25% | 6.35% | 5.75% | |||||||
6 Months to Below 1 Year | 7.25% | 7.35% | 6.50% | |||||||
1 Year to Below 18 Months | 7.50% | 7.60% | 7.25% | |||||||
18 Months to Below 2 Years | 7.75% | 7.85% | 7.50% | |||||||
2 Years and Above | 8.00% | 8.00% | 8.00% | |||||||
Manyajan Muddati (1 year) | - | - | 7.25% | |||||||
Saral Muddati Bachhat Khata | 7.25% | |||||||||
NMB Smart FD- 1 year* | - | - | 7.25% | |||||||
NMB Green FD | - | - | 7.25% | |||||||
*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 | 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 1 | 1 to 3 | 3 to 5 | ||||||
Land Purchase | Up to 1.5 | 1.5 to 3 | 3 to 5 | |||||||
Auto Loan | Up to 1.5 | 1.5 to 3 | 3 to 5 | |||||||
Personal Loan | Up to 1.5 | 1.5 to 3 | 3 to 5 | |||||||
Professional Loan | Up to 1.5 | 1.5 to 3 | 3 to 5 | |||||||
Education Loan | Up to 1.5 | 1.5 to 3 | 3 to 5 | |||||||
NMB Talab Karja | 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 | |||||||
NMB Sapati | - | - | Up to 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 | Up to 3 | 3 to 4 | 4 to 5 | |||||||
Returnee Migrant Loan (Without Subsidy) |
Up 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% | ||||||||
Energy- Brown Field Project |
5 to 10 Years 10 to 15 Years |
Prime- 8.45% to 9.45%, Others- 9.45% to 10.45% Prime- 9.50% to 10.00%, Others- 10.00% to 12.00% |
||||||||
Energy- Green Field Project |
|
9.5% to 11.50% |
||||||||
Project Financing |
Upto 5 Years 5 to 10 Years
|
Prime- 9.25% to 9.50%, Others- 9.50% to 11.00% Prime- 9.50% to 10.00%, Others- 10.00% to 12.00%
|
Retail Banking | Tenure | |||||||
Segments | 1 year | 2Years | Upto 5 years | 5 to 10 years | 10 to 15 years | |||
Home**** |
Prime - 8.25% Standard- 8.75% Others- 9.25% |
Prime - 8.75% Standard- 9.25% Others- 10.00% |
Prime - 9.49% Standard- 10.24% Others- 10.99% |
Prime-9.99% Standard-10.74% Others-11.49% |
Prime -10.74% Standard-11.49% Others-12.24% |
|||
Upto 5 Years | 5 to 10 years | 10 to 15 years | ||||||
Land Purchase |
|
Prime - 9.49% Standard- 10.24% Others- 10.99% |
Prime-9.99% Standard-10.74% Others-11.49% |
Prime -10.74% Standard-11.49% Others-12.24% |
||||
Loan Against Property |
|
Prime -9.99% Standard-10.74% Others-11.49% |
Prime -10.49% Standard-11.24% Others-11.99% |
Prime -11.24% Standard-11.99% Others-12.74% |
||||
Education Loan |
|
Prime -9.74% Standard-10.49% Others-11.24% |
Prime -10.24% Standard-10.99% Others-11.74% |
Prime -10.99% Standard-11.74% Others-12.49% |
||||
Personal Loan |
|
Prime -10.49% Standard-11.24% Others-11.99% |
Prime -10.99% Standard-11.74% Others-12.49% |
Prime -11.74% Standard-12.49% Others-13.24% |
||||
Professional Loan |
|
Prime -11.24% Standard-11.99% Others-12.74% |
Prime -11.74% Standard-12.49% Others-13.24% |
Prime -12.49% Standard-13.24% Others-13.99% |
||||
Talab Karja |
|
Prime -9.99% Standard-10.74% Others-11.49% |
||||||
Segments | Above 15 years | |||||||
Home**** |
Prime -11.49% Standard-12.24% Others-12.99% |
|||||||
Land Purchase |
Prime -11.49% Standard-12.24% Others-12.99% |
|||||||
Segments |
Upto 3 years |
Above 3 years | ||||||
Auto Loan- Private |
Prime -9.49% Standard-9.99% Others-10.49% |
Prime -9.99% Standard-10.49% Others-10.99% |
|
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Auto Loan- Commercial |
Prime -10.24% Standard-10.74% Others-11.24% |
Prime -10.24% Standard-10.74% Others-11.24% |
|
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Electric Vehicle |
Prime -8.99% Standard-9.49% Others-9.99% |
Prime -9.49% Standard-9.99% Others-10.49% |
|
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NMB Sapati Above 1 Year | Floating Rate+1% | |||||||
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 ****Interest rate for environmental friendly housing (green homes) will be 0.5% lesser Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts Note: Call Rate applicable for all clients except for those who have signed fixed period contracts with the Bank |
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