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Saturday, November 25, 2017

Interest Rate

BASE RATE AND INTEREST SPREAD AS OF Ashwin end 2073 is as :
Description Detail
BASE RATE 8.92 %
INTEREST SPREAD 5.59 %
Rate of Interest
Deposits
Savings Deposits: Interest Rate On Daily Balance   Minimum Balance(NPR)
International Savings Deposit 3.00% p.a.   NIL
International Savings Plus 3.00% p.a.   NPR 500.00
Didi Bahini Jatan Kosh 3.00% p.a.   NPR 500.00
Paluwa Bachat Khata 3.00% p.a.   NPR 500.00
International Samman Savings 3.00% p.a.   NPR 500.00
International Investor's Account 3.00% p.a.   NPR 500.00
International Salary Management Account 3.00% p.a.   NIL
Nirdhakka Beema Bachat Khata 3.00% p.a.   NPR 500.00
Gambeshi Bachat Khata 3.00% p.a.   NPR 500.00
International Best Savings Account 4.00% p.a.   NPR 1,000.00
Maiti Bachat Khata 4.00% p.a.   NPR 1,000.00
Fixed Deposits :
A) International Special Fixed Deposit :   Minimum Balance
3 Months 4.50% p.a.
6 Months 5.50% p.a. NPR 25,000.00
1 Year and above 8.00% p.a.
B) International Fixed Deposit (1 year)(Interest Payable at Maturity) 8.50% p.a. NPR 25,000.00
C) Jestha Nagarik Muddhati Khata (1 year)(Interest Payable at Maturity) 7.00% p.a. NPR 25,000.00
D) Bhabisya Kosh (Interest Payable at Quarterly)
12 month 7.00% p.a. NPR 1,000.00
24 Month 7.50% p.a. NPR 1,000.00
Call Deposits :
Call Deposit (NPR) Negotiable Negotiable
International Super Deposit Upto 3.00% p.a NPR 100,000.00
Loan and Advances
Corporate Loans: Prime Others
Overdraft Loan  10.00% p.a. - 16.00% p.a.
Term Loan 10.00% p.a. - 16.00% p.a.
Demand Loan 10.00% p.a. - 16.00% p.a.
Small and Medium Enterprises (SME) Loans
Easy SME Loan 10.00% p.a. - 16.00% p.a.
Nari- Sworojgar Karja 10.00% p.a. - 16.00% p.a.
Smart Business Loan 10.00% p.a. - 15.00% p.a.
Consumer Loans
Margin Lending 8.50% p.a. - 14.50% p.a.
Ati Sajilo Karja (Personal Loan) 9.00% p.a. - 16.00% p.a.
International Home Loan
Upto 5 Years 11.11% p.a.
5 to 10 Years 12.12% p.a.
Above 10 Years 13.13% p.a.
Special Home Loan 8.99% p.a - 10.99% p.a
Other Consumer Loans
International Auto Loan 10.00% p.a. - 16.00% p.a.
International Hire Purchase Loan 11.00% p.a. - 16.00% p.a.
International Heavy Equipment Loan 11.00% p.a. - 16.00% p.a.
International Education Loan 11.00% p.a. - 15.00% p.a.
Aam Nagarik Karja 12.00% p.a. - 16.00% p.a.
International Gold Loan 9.50% p.a. - 15.00% p.a.
Bittiya Pahunch karja 13.00% p.a. - 14.00% p.a
Deprived Sector Loan
Institutional 4.00% p.a. - 9.00% p.a.
Others 12.50% p.a. - 16.00% p.a.
Loan Against 1st Class Bank Guarantee 12.00% p.a.- 14.00% p.a.
Loan Against Government Bond Plus 2.00% or 8.50% p.a. whichever is higher
Loan Against Fixed Deposit
Consortium Loan As per consortium decision
Other Loans 13.00% p.a. - 16.00% p.a.
Note : Loan against fixed deposits will be interest rate plus 2.00% p.a. or 9.50% p.a. whichever is higher.
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