Effective Date : Asar 1, 2078 (June 15, 2021)
Base Rate and Interest Rate of Past Three Years
| Product rate | Deposit Products | Rates Per annum | Minimum Balance (NPR) | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| LCY Saving Deposits | Rates Per annum | ||||||||||
| Saral Muddati Bachhat Khata | 5.60% | NIL | |||||||||
| Sambriddha Gandaki Bachat Khata (Product for Gandaki Province Only) | 4.60% | 1,000 | |||||||||
| NMB Premium Super Talab Khata | 5.60% | NIL | |||||||||
| NMB Super Talab Khata | 5.60% | NIL | |||||||||
| NMB Sahara Bachat Khata | 5.60% | 1,000 | |||||||||
| NMB Umanga Bachat Khata | 4.50% | 100 | |||||||||
| NMB Talab Khata | 3.60% | NIL | |||||||||
| NMB Manyajan Bachat Khata | 5.60% | NIL | |||||||||
| Nari Bachat Khata | 5.60% | 100 | |||||||||
| Atulya Bachat Khata | 3.60% | NIL | |||||||||
| Sulav Muddati Savings | 3.60% | NIL | |||||||||
| Micro Bachat Khata | 3.60% | NIL | |||||||||
| Sabaiko Sahara Bachat Khata (Available only for Unbanked population) | 5.60% | 100 (100 Deposited by Bank) | |||||||||
| Social Security Savings | 3.60% | NIL | |||||||||
| Surakchhit Jeevan Bachat Khata | 3.60% | 1,000 | |||||||||
| Namaste Savings | 5.60% | 10,000 | |||||||||
| Metro Card Savings | 3.60% | 100 | |||||||||
| Metro POS Savings | 3.60% | 100 | |||||||||
| NMB Smart Savings - Digital | 5.60% | NIL | |||||||||
| Normal DO Savings | 3.60% | NIL | |||||||||
| NMB Jeevan Chakra | 5.60% | 5,000 to 50,000 | |||||||||
| NMB Samman Bachat Khata | 5.60% | 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) |
7.00% | 1,000/5,000/10,000/25,000/50,000 | |||||||||
| Call Deposit Rate | Up to 1.80% p.a. | ||||||||||
| Fixed Deposit | Rates Per Annum | ||||||||||
| Tenure | Institution | Individual | |||||||||
| New | Renewal | ||||||||||
| 3 Months to Below 6 Months | 6.50% | 6.60% | 6.50% | ||||||||
| 6 Months to Below 1 Year | 6.75% | 6.85% | 6.75% | ||||||||
| 1 Year to Below 18 Months | 7.60% | 7.70% | 7.60% | ||||||||
| 18 Months to Below 2 Years | 7.70% | 7.80% | 7.70% | ||||||||
| 2 Years and Above | 7.80% | 7.90% | 7.80% | ||||||||
| Manyajan Muddati (1 year) | 7.60% | ||||||||||
| Saral Muddati Bachhat Khata | 7.60% | ||||||||||
| NMB Smart FD- 1 year* | 7.60% | ||||||||||
| *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 Project |
5 to 10 Years 10 to 15 Years |
Prime- 8.45% to 9.45%, Others- 9.45% to 10.45% Prime- 9.50% to 10.00%, Others- 10.00% to 12.00% |
|||||||||
| Energy- Green Field Project |
|
9.5% to 11.50% |
|||||||||
| Project Financing |
Upto 5 Years 5 to 10 Years
|
Prime- 9.25% to 9.50%, Others- 9.50% to 11.00% Prime- 9.50% to 10.00%, Others- 10.00% to 12.00%
|
|||||||||
| Retail Banking | Tenure | |||||||
| Segments | 1 year | 2Years | Upto 5 years | 5 to 10 years | 10 to 15 years | |||
| Home**** |
Prime - 8.25% Standard- 8.75% Others- 9.25% |
Prime - 8.75% Standard- 9.25% Others- 10.00% |
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% |
|||
| Upto 5 Years | 5 to 10 years | 10 to 15 years | ||||||
| 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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