NMB Bank

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*
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

     

 

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