CIVIL BANK

SCHEDULE OF INTEREST RATE effective from 12th January 2021 (1st Magh 2077) INTEREST RATES ON DEPOSITS

 

SCHEMES   Minimum Balance Interest rate(% Per Annum)
SAVINGS Civil Bank Mero Bachat Khata   NPR 500 3.00%
Civil Bank Salary Plus Account   NPR 0 3.00%
Civil Kishor Bachat Khata   NPR 1,000 3.00%
Civil Bank Nari Bachat Khata   NPR 1,000 3.00%
Civil Bank Ama Buwa Bachat Khata   NPR 10,000 3.00%
Civil Bank Silver Saving Account                                                                                      NPR 10,000 3.00%
Civil Bank Gold Saving Account   NPR 25,000 3.00%
Civil Bank Sansthapak Bachat Khata   NPR 1,000 3.00%
Civil Bank Remit Savings Account   NPR 1,000 3.00%
Civil Bank Laganikartako Khata   NPR 10,000 3.00%
Civil Bank Platinum Saving Account    NPR 50,000 3.00%
Civil Naya Bachat Khata   NPR 75,000 3.00%
Civil Nepali Bachat Khata   Nil 3.00%
Civil Sagarmatha Bachat Khata   NPR 1,000 3.00%
Civil Chandrasurya Bachat Khata   NPR 10,000 3.00%
Civil Online Savings Account   Nil 3.00%
Civil Samman Bachat Khata   Nil 3.00%
Samriddhi Bachat Khata   Nil 3.00%
  Hamro Bachhat Khata   NPR 1,000 3.00%
  Surakshya Bachat Khata   NPR 5000 3.00%
  Premium Savings Account   NPR 10,000 5.00%
FIXED Non-Institutional ( 3 Months to below 6 Months)     5.50%
Non-Institutional (6 Months to below 9 Months)     6.00%
Non-Institutional (9 Months to below 1 Year)     7.00%
Non-Institutional (1 Year and Above)     8.00%
Non-Institutional Annuity Deposit     8.00%
Institutional Fixed Deposit (6 months)     5.10%
Institutional Fixed Deposit (Above 6 months to 12 months)     6.10%
Institutional Fixed Deposit (Above 12 months to 18 months)     6.25%
Institutional FDeposit (Above 18 months)     6.60%
Institutional FD through bidding upto 2 years (New)     7.00%
Institutional FD through bidding above 2 years to below 3 years (New)     7.25%
Institutional FD through bidding 3 years (New)     7.80%
Institutional FD through bidding upto 2 years(Renewal)     7.10%
  Institutional FD through bidding above 2 years to below 3 years (Renewal)     7.35%
  Institutional FD through bidding 3 years and above (Renewal)     7.80%
Foreign Currency Deposits (FCY) USD Savings Account     2.50%
Structured USD Savings Account     3.01%
EUR Savings Account     2.00%
GBP Savings Account     2.00%

Note: Interest Rates on FCY Fixed Deposits and FCY Call Deposits are negotiable
B) INTEREST RATES ON LOANS AND ADVANCES*

Type of Loan Risk Premium (% Per Annum) on Base Rate
Corporate Loan  
Demand Loan Upto 3%
Export Finance Upto 2%
Overdraft Upto 4%
Term Loan Upto 4%
Short Term Pledge Loan Upto 3%
Short Term Working Capital Loan Upto 2%
Importer's Loan Upto 3%
Hire Purchase Loan(Commercial Vehicle/Heavy Equipment) Upto 5%
Real Estate Loan - Land Development Upto 5%
Real Estate Loan - Housing/Commercial Complex Development Upto 5%
Civil Bank SME Loan Upto 5%
Civil Bank Home Loan (Floating)  
Upto 5 years Upto 0.50%
Upto 10 years Upto 1.00%
Upto 15 years Upto 1.50%
Above 15 years Upto  2.00%
Civil Bank Hire Purchase Loan  
i.  Auto Loan-Private Upto 3%
ii. Auto Loan-Commercial Upto 5%
iii. Other Equipment Upto 5%
Civil Bank Personal Mortgage Loan
(Revolving and Non Revolving)
 
i.  Up to NPR 5 million Upto 4%
ii. Above NPR 5 million Upto 5%
Margin Lending (against ordinary Shares of acceptable companies) Upto 5%
Saurya Shakti Karja Upto 2.50%
Civil Bank Gold/Silver Loan Upto 5%
Civil Bank Education Loan Upto 5%
Civil Bank Personal Loan Upto 5%
Loan against Government Bonds  Upto 1%
Loan against Civil FD ** Plus 2%**
Loan against Convertible FCY Deposits Upto 3%
Overdraft Card Base Rate + 5.16%
Hastakala Karja Base Rate + 4%
Micro Credit Risk Premium (% Per Annum) on Base Rate
Micro Group Guarantee Based loans  Upto 5.16%
Security based 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 3.00%
Deprived Sector Loans (Cooperatives/NGOs) Upto 3.00%
Interest Rate Spread (Mangsir 2077) 3.26%
Base Rate (Mangsir 2077) 8.88%
Interest Rates on Loans and Advances (Fixed)  
Home Loan (Upto 5 years) Base Rate + 2.50%
Home Loan (Upto 10 years) Base Rate + 3.00%
Home Loan (Upto 15 years) Base Rate + 3.50%
Home Loan (Above 15 years) Base Rate + 4.00%
Auto Loan (Upto 7 years) Base Rate + 3.00%
Personal Mortgage Loan (Upto 5 Years) Base Rate + 3.50%
Personal Mortgage Loan (Upto 10Years) Base Rate + 4.00%
Personal Mortgage Loan (Upto 15 Years) Base Rate + 4.50%
Personal Mortgage Loan (Above 15 Years) Base Rate + 5.00%

Note: Interest Rate on Consortium Loans will be as per Consortium Decision.
*Conditions Apply  ** Plus 2.00% on coupon rate or base rate plus 2.00%, whichever is higher