NMB Bank

Interest rate

Effective Date : Chaitra 1, 2077 (March 14, 2021)

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%
Fixed Deposit- 125 Days       6.75%
*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%

 

 

 
Auto Loan- Commercial

Prime -10.24%

Standard-10.74%

Others-11.24%

Prime -10.24%

Standard-10.74%

Others-11.24%

 

 

 
Electric Vehicle

Prime -8.99%

Standard-9.49%

Others-9.99%

Prime -9.49%

Standard-9.99%

Others-10.49%

 

 

 
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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