NMB Bank

Interest rate

Effective Date : Ashwin 1, 2078 (September 17, 2021)

Base Rate and Interest Rate of Past Three Years

Deposit Products       Rates Per annum     Minimum Balance (NPR)
LCY Saving Deposits       Rates Per annum
Saral Muddati Bachhat Khata       6.52%     NIL
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only)       4.52%     1,000
NMB Premium Super Talab Khata       6.52%     NIL
NMB Super Talab Khata       4.52%     NIL
NMB Sahara Bachat Khata       4.52%     1,000
NMB Umanga Bachat Khata       4.52%     100
NMB Talab Khata       4.52%     NIL
NMB Manyajan Bachat Khata       4.52%     NIL
Nari Bachat Khata       4.50%     100
Atulya Bachat Khata       4.52%     NIL
Sulav Muddati Savings       4.52%     NIL  
Micro Bachat Khata       4.52%     NIL  
Sabaiko Sahara Bachat Khata (Available only for Unbanked population)       4.52%     100 (100 Deposited by Bank)  
Social Security Savings       4.52%     NIL  
Surakchhit Jeevan Bachat Khata       4.52%     1,000  
Namaste Savings       4.52%     10,000
Metro Card Savings       4.52%     100  
Metro POS Savings       4.52%     100  
NMB Smart Savings - Digital       4.52%     NIL
Normal DO Savings       4.52%     NIL
NMB Jeevan Chakra       4.52%     5,000 to 50,000  
NMB Samman Bachat Khata       4.52%     10,000
NMB Investor Savings       6.52%     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  
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)
      7.00%     1,000/5,000/10,000/25,000/50,000  
Call Deposit Rate       Up to 2.26% p.a.      
Fixed Deposit       Rates Per Annum
Tenure       Institution   Individual  
  Bidding Other      
  New   Renewal New Renewal                     
3 Months  7.50%   7.60% 7.50% 7.60%                7.50%
4 Months to Below 1 Year 9.00%   9.10% 9.10% 9.00%   9.00%
1 Year and Above 9.52%   9.52% 9.52% 9.52%   9.02%
Manyajan Muddati (1 year)             9.02%  
Saral Muddati Bachhat Khata             9.02%  
NMB Smart FD- 1 year*             9.02%  
*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
                                                                                    Prime                                          Others
Project Financing      

       Upto 5 years

       5 to 10 years

                        9.25% to 9.50%                       9.50% to 10.00%

                        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 5%
  Land Purchase Loan    
  Loan Against Property    
  Education Loan    
  Personal Loan    
  Professional Loan    
  Talab Karja    
  Auto Loan    
  Electric Vehicle Loan    
  Other Term Loan    
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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