Interest rate

Effective Date : Falgun 16, 2076 (February 28, 2020)

Deposit Products	Rates Per annum		Minimum Balance (NPR)
LCY Saving Deposits	Rates Per annum
Saral Muddati Bachhat Khata	6.50%		NIL
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only)	6.50%		25,000
Supreme Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only)	6.50%		1,000
NMB Premium Talab Khata	6.50%		NIL
NMB Premium Super Talab Khata	6.50%		NIL
NMB Super Talab Khata	6.50%		NIL
NMB Sahara Bachat Khata	6.50%		1,000
NMB Umanga Bachat Khata	6.50%		500 (For Kathmandu Valley Branches), 100 (For Outside Valley Branches)
NMB Talab Khata	6.50%		NIL
Nari-Samman Bachat Khata	5.50%		2,000
Sulav Remit Savings	4.50%		NIL
NMB Manyajan Bachat Khata	4.50%		NIL
NMB Smart Khata	4.50%		100
NMB Saral Bachat Khata	5.00%		5,000
Nari Bachat Khata	4.50%		100
NMB Delight Savings	5.00%		1,000
Atulya Bachat Khata	4.50%		NIL
Payroll Savings	4.50%		NIL
Young Saver's Account	4.50%		100
Normal Savings	4.50%		1,000
Sulav Muddati Savings	4.50%		NIL
Swecchik Bachat Khata	4.50%		NIL
Anibarya Bachat Khata	4.50%		NIL
Micro Bachat Khata	4.50%		NIL
Sabaiko Sahara Bachat Khata (Available only for Unbanked population)	6.50%		100 (100 Deposited by Bank)
SSF Savings	4.50%		NIL
Special Savings	6.50%		100
Happy Savings	6.50%		5,000
Golden Savings	6.50%		10,000
Silver Savings	6.50%		2,500
Social Security Savings	6.50%		NIL
Surakchhit Jeevan Bachat Khata	6.50%		1,000
Metro Card Savings	6.50%		100
Metro POS Savings	6.50%		100
NMB Namaste LCY Savings	6.50%		10,000
NMB JEEVAN CHAKRA
NMB Balapan	6.50%		50,00
NMB Joshila Haath	6.50%		5,000
NMB Dridh Aakansha	6.50%		5,000
NMB Naulo Soch	6.50%		5,000
NMB Bishwash	6.50%		5,000
NMB Safalta	6.50%		5,000
NMB Prerana	6.50%		50,000
FCY DEPOSITS

US Dollar Savings	2.75%		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	5.75%		Minimum $10,000 or its equivalent
GBP	4.85%
EUR	3.20%
CAD	5.50%
AUD	5.20%
Recurring Deposit
Recurring Education Plan	6.00%		500
Khutruke Bachat	5.00%		100
Surakchhit Bal Saichhik Khata	6.50%		100
Recurring 42 Months (not available to new account holders)	6.50%		NIL
Recurring 72 Months (not available to new account holders)	6.50%		1,000
NMB Mero Kramik Khata (Recurring Deposit)	9.25%		1,000/5,000/10,000/25,000/50,000
Fixed Deposit	Rates Per Annum
Tenure	Institution		Individual
	New	Renewal
3 Months to Below 1 Year	8.50%	8.60%	9.25%
1 year & above	8.50%	8.60%	9.25%
Manyajan Muddati (1 year)	-	-	9.25%
96 Days FD	-	-	9.25%
Saral Muddati Bachhat Khata			9.25%
Loan Products	% Per Annum on Base Rate
Corporate			Prime	Standard	Others
Cash Credit / Overdraft	BR+		Up to 2	2 to 4	4 to 6
Working Capital Loan			Up to 2	2 to 4	4 to 6
Trust Receipt Loan			Up to 2	2 to 4	4 to 6
Export Loan			Up to 2	2 to 4	4 to 6
Term Loan			Up to 3	3 to 5	5 to 6
Consortium Loans	As decided by consortium
Mid-Corporate			Prime	Standard	Others
Cash Credit / Overdraft	BR+		Up to 2	2 to 4	4 to 6.5
Working Capital Loan			Up to 2	2 to 4	4 to 6.5
Trust Receipt Loan			Up to 2	2 to 4	4 to 6.5
Term Loan			Up to 2	2 to 4	4 to 6.5
Export Loan			Up to 2	2 to 4	4 to 6.5
Bridge Gap Loan			Up to 2	2 to 4	4 to 6.5
SME			Prime	Standard	Others
Cash Credit / Overdraft	BR+		Up to 3	3 to 4	4 to 7
Working Capital Loan			Up to 3	3 to 4	4 to 7
Term Loan			Up to 3	3 to 4	4 to 7
Trust Receipt Loan			Up to 3	3 to 4	4 to 7
Interest Subsidy Loan	As per NRB Circular
M-SME & Agriculture			Prime	Standard	Others
MSME Loan	BR+		Up to 3.5	3.5 to 5	5 to 7
NMB Sulav Karja			Up to 3.5	3.5 to 5	5 to 7
Personal Business Loan			Up to 3.5	3.5 to 5	5 to 7
Agriculture Loan			Up to 3.5	3.5 to 5	5 to 7
Agriculture Loan (Under Subsidy)	As Per NRB Circular
Retail Banking			Prime	Standard	Others
Housing Loan	BR+		Up to 2	2 to 4	4 to 8.5
Land Purchase			Up to 3	3 to 4	4 to 8.5
Auto Loan			Up to 4	4 to 5	5 to 8.5
Personal Loan			Up to 3	3 to 5	5 to 8.5
Professional Loan			Up to 3	3 to 5	5 to 8.5
Education Loan			Up to 3	3 to 4	4 to 8.5
Motorbike Loan			-	-	Up to 8.5
Gold and Silver Loan			-	-	Up to 8.5
Consumer Durable Loan			-	-	6
Other			Prime	Standard	Others
Loan Against Bank Guarantees/SBLC**	BR+				2 to 6
Loan Against Properties			Up to 3	3 to 5	5 to 7
Personal Overdraft(Retail/SME/MSME/AG)			Up to 4	4 to 5	5 to 8.5
Personal Loan/Loan Against Securities (Corporate/Mid Corporate )			Up to 2	2 to 4	4 to 8.5
Electric Vehicle (Commercial)			Up to 2	2 to 4	4 to 6
Electric Vehicle (Private)			Up to 2	2 to 4	4 to 6
Margin Lending			Up to 3	3 to 5	5 to 8.5
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 3	3 to 5	5 to 6
Solar Related Loan***			Up to 3	3 to 5	5 to 6
Bio Gas Related			Up to 3	3 to 5	5 to 6
Term Loan			Up to 3	3 to 5	5 to 6
Working Capital			Up to 3	3 to 5	5 to 6
Trust Receipt Loan			Up to 3	3 to 5	5 to 6
Retail Microfinance Loan			Prime	Standard	Others
Structured Low Cost Housing***	BR+		Up to 4	4 to 5	5 to 8.5
Microfinance retail			0.5 to 4	4 to 5	5 to 8.5
Returnee Migrant Loan (Without Subsidy)			0.5 to 4	4 to 5	5 to 8.5
Wholesale Microfinance Loan			Prime	Standard	Others
"D Class Banks" & Other Inst	BR+		Up to 2	2 to 4	4 to 6.5
FINGO			Up to 2	2 to 4	4 to 6.5
Agriculture Co-operatives			Up to 2	2 to 4	4 to 6.5
Other Co-operatives & Institution			Up to 3	3 to 4	4 to 6.5
FCY Loan	Libor 6 Months plus Up to 5%

Base Rate & Interest Spread Rate For the month of Magh, 2076

Base Rate (BR)		10.15%
Spread Rate		4.92%

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. Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts