Interest rate

Effective Date : Mangsir 1, 2077 (November 16, 2020)

Deposit Products	Rates Per annum			Minimum Balance (NPR)
LCY Saving Deposits	Rates Per annum
Saral Muddati Bachhat Khata	4.25%			NIL
Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only)	3.25%			1,000
NMB Premium Super Talab Khata	4.25%			NIL
NMB Super Talab Khata	4.25%			NIL
NMB Sahara Bachat Khata	4.25%			1,000
NMB Umanga Bachat Khata	3.25%			100
NMB Talab Khata	2.25%			NIL
NMB Manyajan Bachat Khata	4.25%			NIL
Nari Bachat Khata	4.25%			100
Atulya Bachat Khata	2.25%			NIL
Sulav Muddati Savings	2.25%			NIL
Micro Bachat Khata	2.25%			NIL
Sabaiko Sahara Bachat Khata (Available only for Unbanked population)	4.25%			100 (100 Deposited by Bank)
Social Security Savings	2.25%			NIL
Surakchhit Jeevan Bachat Khata	2.25%			1,000
Namaste Savings	4.25%			10,000
Metro Card Savings	2.25%			100
Metro POS Savings	2.25%			100
NMB Smart Savings - Digital	4.25%			NIL
Normal DO Savings	2.25%			NIL
NMB Jeevan Chakra	4.25%			5,000 to 50,000
NMB Samman Bachat Khata	4.25%			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)	8.25%			1,000/5,000/10,000/25,000/50,000
Karmachari Kramik Khata	6.5%			NIL

Call Deposit Rate	1.125% p.a.
Fixed Deposit	Rates Per Annum
Tenure	Institution			Individual
	New		Renewal
3 Months to Below 6 Months	4.50%		4.60%	5.50%
6 Months to Below 1 Year	5.00%		5.10%	6.50%
1 Year to Below 3 Years	6.50%		6.60%	7.25%
3 Years & Above	7.00%		7.10%	-
3 Years to Below 5 Years				8.25%
5 Years to Below 10 Years				8.75%
10 Years to Below 15 Years				9.25%
15 Years and Above				Negotiable
Manyajan Muddati (1 year)	-		-	7.25%
Saral Muddati Bachhat Khata				7.25%
NMB Smart FD- 1 year*	-		-	7.25%
NMB Green FD	-		-	7.25%
*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
Roof-Top Solar	Fixed upto 10 Years	9.99 to 11.99%
Energy- Brown Field	5 to 10 Years 10 to 15 Years	Prime- 8.45% to 9.45% Others- 9.45% to 10.45% Prime- 8.95% to 9.95% Others- 9.95% to 10.95%

Retail Banking	Tenure
Segments	Upto 5 years	5 to 10 years	10 to 15 years
Home****	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%
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