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Interest Rates
SCHEDULE OF INTEREST RATE effective from 16th December 2021 (1st Magh 2078) INTEREST RATES ON DEPOSITS
A) INTEREST RATES ON DEPOSITS
| SCHEMES | Minimum Balance | Interest rate(% Per Annum) | |
| SAVINGS | Mero Bachat Khata | NPR 500 | 5.05% |
| Salary Plus Account | NPR 0 | 5.05% | |
| Kishor Bachat Khata | NPR 1,000 | 5.05% | |
| Nari Bachat Khata | NPR 1,000 | 5.05% | |
| Baristha Bachat | NPR 10,000 | 7.05% | |
| Silver Saving Account | NPR 10,000 | 5.05% | |
| Gold Saving Account | NPR 25,000 | 5.05% | |
| Sansthapak Bachat Khata | NPR 1,000 | 5.05% | |
| Remit Savings Account | NPR 1,000 | 5.05% | |
| Laganikartako Khata | NPR 10,000 | 5.05% | |
| Platinum Saving Account | NPR 50,000 | 5.05% | |
| Naya Bachat Khata | NPR 75,000 | 5.05% | |
| Nepali Bachat Khata | Nil | 5.05% | |
| Sagarmatha Bachat Khata | NPR 1,000 | 5.05% | |
| Chandrasurya Bachat Khata | NPR 10,000 | 5.05% | |
| Online Savings Account | Nil | 5.05% | |
| Samman Bachat Khata | Nil | 5.05% | |
| Samriddhi Bachat Khata | Nil | 5.05% | |
| Hamro Bachhat Khata | NPR 1,000 | 5.05% | |
| Surakshya Bachat Khata | NPR 5000 | 5.05% | |
| Premium Savings Account | NPR 10,000 | 6.05% | |
| Super Premium Saving Account | NPR 25,000 | 7.05% | |
| Civil Super Baideshik Rojgaar Khata | Nil | 8.05% | |
| Non-Institutional FD | |||
| FIXED | Non-Institutional (3 Months and above) | 10.05% | |
| Non-Institutional Annuity Deposit | 10.05% | ||
| Khutruke Khata (Recurring) | 8.05% | ||
| Institutional Fixed Deposit (3 months and above) | 9.05% | ||
| Civil Remit FD | 11.05% | ||
|
Institutional FD (Bidding) 3 Months and above |
Upto 9.05% |
||
| Foreign Currency Deposits (FCY) | USD Savings Account | 4.16% | |
| Structured USD Savings Account | 5.16% | ||
| EUR Savings Account | 2.01% | ||
| GBP Savings Account | 2.01% | ||
Note: Additional 0.10 percent wil be provided in case of renewal with wenhancement of Insittutional Fixed Deposit. Interest Rates on FCY Fixed Deposit and FCY Call Deposits are negotiable.
Interest of Fixed Deposit shall be posted on Quartyerly Basis
B) INTEREST RATES ON LOANS AND ADVANCES* (Floating)
| Type of Loan | Risk Premium (% Per Annum) on Base Rate | |
|---|---|---|
| Corporate Loan | ||
| Demand Loan | Upto 6.00% | |
| Export Finance | Upto 6.00% | |
| Overdraft | Upto 6.00% | |
| Term Loan | Upto 6.00% | |
| Short Term Pledge Loan | Upto 6.00% | |
| Short Term Working Capital Loan | Upto 6.00% | |
| Importer's Loan | Upto 6.00% | |
| Hire Purchase Loan(Commercial Vehicle/Heavy Equipment) | Upto 6.00% | |
| Real Estate Loan - Land Development | Upto 8.00% | |
| Real Estate Loan - Housing/Commercial Complex Development | Upto 8.00% | |
| Civil Bank SME and Mid-Corporate Loan | Upto 6.00% | |
| Civil Bank Home Loan (HL) | Upto 6.00% | |
| Civil Bank Hire Purchase Loan | ||
| i. Auto Loan-Private | Upto 6.00% | |
| ii. Auto Loan-Commercial/Other Hire Purchase Loan | Upto 8.00% | |
| Civil Bank Personal Mortgage Loan (Revolving) |
Upto 8.00% | |
| Civil Bank Personal Mortgage Loan (Non Revolving) |
||
| i. Up to 5 years | Upto 6.00% | |
| ii. Above 5 years | Upto 8.00% | |
| Margin Lending (against ordinary Shares of acceptable companies) | Upto 8.00% | |
| Saurya Shakti Karja | Upto 3.50% | |
| Civil Bank Gold/Silver Loan | Upto 6.00% | |
| Civil Bank Education Loan | Upto 6.00% | |
| Civil Bank Personal Loan | Upto 8.00% | |
| Loan against Government Bonds | Upto 2.00% | |
| Loan against Civil FD ** | Plus 2.00%** | |
| Loan against Convertible FCY Deposits | Upto 3.00% | |
| Overdraft Card | Upto 8.00% | |
| Hastakala Karja | Upto 8.00% | |
| Micro Credit | Risk Premium (% Per Annum) on Base Rate | |
| Micro Group Guarantee Based loans | Upto 7.00% | |
| Medium, Small and Micro Enterprise Loans | Upto 5.00% | |
| Micro Rural Housing Loans | Upto 5.00% | |
| Micro HP (Deprived Sector Loan) | Upto 5.00% | |
| Deprived Sector (Institutional Loans/MFIs) | Upto 5.00% | |
| Interest Rate Spread (Mangsir 2078) | 3.04% | |
| Base Rate (Mangsir 2078) | 9.07% | |
| Note: Interst Rate on Consortium Loans will be as per Consortium Decision * Conditions Apply ** Coupon Rate plus 2%, whichever is higher. | ||
| C) INTEREST RATES ON LOANS AND ADVANCES (FIXED) | ||
| Home Loan (Upto 5 years) | Base Rate + 4.50% | |
| Home Loan (Above 5 years) | Base Rate + 5.50% | |
| Auto Loan (Upto 7 years) | Base Rate + 6.00% | |
| Personal Mortgage Loan (Upto 5 Years) | Base Rate + 6.00% | |
| Personal Mortgage Loan (Above 5 Years) | Base Rate + 7.00% | |
| Base Rate (BR) of last quarter shall be applied in Fixed Rate | ||
| Interest rate on default/ forced loan | 17.00% | |