Effective Date : Mangsir 1, 2078 (November 17, 2021)
Base Rate and Interest Rate of Past Three Years
| Deposit Products | ||||
| LCY Saving Deposits | Rates Per annum | Minimum Balance (NPR) | ||
| Saral Muddati Bachhat Khata | 5.05% | NIL | ||
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 5.05% | 1,000 | ||
| NMB Premium Super Talab Khata | 5.05% | NIL | ||
| NMB Super Talab Khata | 5.05% | NIL | ||
| NMB Sahara Bachat Khata | 5.05% | 1,000 | ||
| NMB Umanga Bachat Khata | 5.05% | 100 | ||
| NMB Talab Khata | 5.05% | NIL | ||
| NMB Manyajan Bachat Khata | 5.05% | NIL | ||
| Nari Bachat Khata | 5.05% | 100 | ||
| Atulya Bachat Khata | 5.05% | NIL | ||
| Sulav Muddati Savings | 5.05% | NIL | ||
| Micro Bachat Khata | 5.05% | NIL | ||
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 5.05% | 100 (100 Deposited by Bank) | ||
| Social Security Savings | 5.05% | NIL | ||
| Surakchhit Jeevan Bachat Khata | 5.05% | 1,000 | ||
| Namaste Savings | 5.05% | 10,000 | ||
| Metro Card Savings | 5.05% | 100 | ||
| Metro POS Savings | 5.05% | 100 | ||
| NMB Smart Savings - Digital | 5.05% | NIL | ||
| Normal DO Savings | 5.05% | NIL | ||
| NMB Jeevan Chakra | 5.05% | 5,000 to 50,000 | ||
| NMB Samman Bachat Khata | 5.05% | 10,000 | ||
| NMB Investor Savings | 5.05% | 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 | ||
| Other Fcy Savings | Upto 1% | NIL | ||
| NMB Namaste FCY FD (min. 2 years) *product for Non Resident Nepalese Only | ||||
| USD | 4.00% | Minimum $10,000 or 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 50% of minimum Saving Interest Rate | |||
| Fixed Deposit | ||||
| Products/Tenure | Institution | Individual | ||
| Fresh | Renewals (Bidding) | |||
| 3 Months | 9.05% | 9.15% | 10.05% | |
| 4 Months to Below 1 Year | 9.05% | 9.15% | 10.05% | |
| 1 Year and Above | 9.05% | 9.15% | 10.05% | |
| Manyajan Muddati (1 year) | 10.05% | |||
| Saral Muddati Bachhat Khata | 10.05% | |||
| NMB Smart FD- 1 year* | 10.05% | |||
| Mero Muddati Khata-Tenure: 3 Months and Above | Interest Payment: Monthly | 10.05% | ||
| Note: 1% additional interest rate on above mentioned Individual Deposits will be applicable for inward remittance | ||||
| *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 | ||||
| Cash Credit / Overdraft | BR+ | Up to 6 | ||
| Working Capital Loan | Up to 6 | |||
| Trust Receipt Loan | Up to 6 | |||
| Export Loan | Up to 6 | |||
| Term Loan | Up to 6 | |||
| Consortium Loans | As decided by consortium | |||
| Mid-Corporate | ||||
| Cash Credit / Overdraft | BR+ | Up to 6 | ||
| Working Capital Loan | Up to 6 | |||
| Trust Receipt Loan | Up to 6 | |||
| Term Loan | Up to 6 | |||
| Export Loan | Up to 6 | |||
| Bridge Gap Loan | Up to 6 | |||
| SME | ||||
| Cash Credit / Overdraft | BR+ | Up to 6 | ||
| Working Capital Loan | Up to 6 | |||
| Term Loan | Up to 6 | |||
| Trust Receipt Loan | Up to 6 | |||
| Interest Subsidy Loan | As per NRB Circular | |||
| M-SME & Agriculture | ||||
| MSME Loan | BR+ | Up to 6 | ||
| NMB Sulav Karja | Up to 6 | |||
| Personal Business Loan | Up to 6 | |||
| Agriculture Loan | Up to 6 | |||
| Agriculture Loan (Under Subsidy) | As Per NRB Circular | |||
| Retail Banking | ||||
| Housing Loan | BR+ | Up to 6 | ||
| Land Purchase | Up to 6 | |||
| Auto Loan | Up to 6 | |||
| Personal Loan | Up to 6 | |||
| Professional Loan | Up to 6 | |||
| Education Loan | Up to 6 | |||
| NMB Talab Karja | Up to 6 | |||
| Motorbike Loan | Up to 6 | |||
| Gold and Silver Loan | Up to 6 | |||
| Consumer Durable Loan | Up to 6 | |||
| NMB Sapati | Up to 5 | |||
| Other | ||||
| Loan Against Bank Guarantees/SBLC** | BR+ | |||
| Loan Against Properties | Up to 6 | |||
| Personal Overdraft(Retail/SME/MSME/AG) | Up to 6 | |||
| Personal Loan/Loan Against Securities (Corporate/Mid Corporate ) | Up to 6 | |||
| Electric Vehicle (Commercial) | Up to 6 | |||
| Electric Vehicle (Private) | Up to 6 | |||
| Margin Lending | Up to 6 | |||
| Loan Against Government Securities* | Base Rate or Coupon Rate (whichever is higher) plus up to 2% | |||
| Loan Against own FDR* | ||||
| Energy | ||||
| Energy Project Under Consortium Financing | As decided by consortium | |||
| Hydropower | BR+ | Up to 6 | ||
| Micro Hydro | Up to 6 | |||
| Solar Related Loan*** | Up to 6 | |||
| Bio Gas Related | Up to 6 | |||
| Term Loan | Up to 6 | |||
| Working Capital | Up to 6 | |||
| Trust Receipt Loan | Up to 6 | |||
| Retail Microfinance Loan | ||||
| Structured Low Cost Housing*** | BR+ | Up to 6 | ||
| Microfinance retail | Up to 6 | |||
| Returnee Migrant Loan (Without Subsidy) | Up to 6 | |||
| Wholesale Microfinance Loan | ||||
| "D Class Banks" & Other Inst | BR+ | Up to 6 | ||
| FINGO | Up to 6 | |||
| Agriculture Co-operatives | Up to 6 | |||
| Other Co-operatives & Institution | Up to 6 | |||
| FCY Loan | Libor 6 Months plus Up to 6% | |||
| Fixed Interest Rate Loan Products | Fixed Tenure | Interest Rate | ||
| Project Financing | Prime | Others | ||
| Upto 5 years | 9.25% to 9.50% | 9.50% to 11.00% | ||
| 5 to 10 years | 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 6% | |||
| Land Purchase Loan | ||||
| Loan Against Property | ||||
| Education Loan | ||||
| Personal Loan | ||||
| Professional Loan | ||||
| Talab Karja | ||||
| Auto Loan | ||||
| Electric Vehicle Loan | ||||
| Other Term Loan | ||||
| Note: Interest rates on loan products do not apply for substandard, below category loan accounts and recovery 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 | ||||
