NMB Bank

Interest rate

Effective Date : Asar 1, 2078 (June 15, 2021)

Base Rate and Interest Rate of Past Three Years

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

         

 

Go to Last Visited Page