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*			Base Rate+2% or Coupon Rate+2% whichever is higher
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