Interest rate

Effective Date : Magh 15, 2076 (January29, 2020)

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

US Dollar Savings	2.75%		NIL	Quarterly
GBP Savings	1.00%		NIL	Quarterly
EUR Savings	0.25%		NIL	Quarterly
CAD Savings	1.00%		NIL	Quarterly
AUD Savings	1.00%		NIL	Quarterly
*NMB NAMASTE FCY FD (min. 2 years) product for Non Resident Nepalese Only**
USD	5.75%		Minimum $10,000 or its equivalent	Quarterly
GBP	4.85%			Quarterly
EUR	3.20%			Quarterly
CAD	5.50%			Quarterly
AUD	5.20%			Quarterly
Recurring Deposit
Recurring Education Plan	6.00%		500	Quarterly
Khutruke Bachat	5.00%		100	Quarterly
Surakchhit Bal Saichhik Khata	6.50%		100	Quarterly
Recurring 42 Months (not available to new account holders)	6.50%		NIL	Quarterly
Recurring 72 Months (not available to new account holders)	6.50%		1,000	Quarterly
NMB Mero Kramik Khata (Recurring Deposit)	9.25%		1,000/5,000/10,000/25,000/50,000	Quarterly
Fixed Deposit	Rates Per Annum
Tenure	Institution		Individual
	New	Renewal
3 Months to Below 1 Year	8.50%	8.60%	9.25%	Quarterly
1 year & above	8.50%	8.60%	9.25%	Quarterly
Manyajan Muddati (1 year)	-	-	9.25%	Quarterly
96 Days FD	-	-	9.25%	Quarterly
Saral Muddati Bachhat Khata			9.25%	Quarterly
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			2 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 Poush, 2076

Base Rate (BR)		10.12%
Spread Rate		5.03%

Note: The listed accounts of NMB Bank Limited and erstwhile Om Development Bank Limited have been converted to respective accounts.
Deposit Products
Existing LCY Savings	Clubbed to LCY Savings
Share Khata	Atulya Bachat Khata
Hydro Savings	Atulya Bachat Khata
Micro Finance Savings	Micro Bachat Khata
Salary Savings	Talab Khata
Max Savings	Special Savings
Reconstruction Savings	Social Security Savings

* 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