CIVIL BANK

 

SCHEDULE OF INTEREST RATE effective from 17th September 2021 (1st Aswin 2078) INTEREST RATES ON DEPOSITS

A) INTEREST RATES ON DEPOSITS

SCHEMES   Minimum Balance Interest rate(% Per Annum)
SAVINGS Mero Bachat Khata   NPR 500 4.25%
Salary Plus Account   NPR 0 4.25%
Kishor Bachat Khata   NPR 1,000 4.25%
Bank Nari Bachat Khata   NPR 1,000 4.25%
Baristha Bachat   NPR 10,000 6.25%
Silver Saving Account                                                                                      NPR 10,000 4.25%
Gold Saving Account   NPR 25,000
Sansthapak Bachat Khata   NPR 1,000 4.25%
Remit Savings Account   NPR 1,000 4.25%
Laganikartako Khata   NPR 10,000 4.25%
Platinum Saving Account    NPR 50,000 4.25%
Naya Bachat Khata   NPR 75,000 4.25%
Nepali Bachat Khata   Nil 4.25%
Sagarmatha Bachat Khata   NPR 1,000 4.25%
Chandrasurya Bachat Khata   NPR 10,000 4.25%
Online Savings Account   Nil 4.25%
Samman Bachat Khata   Nil 4.25%
Samriddhi Bachat Khata   Nil 4.25%
  Hamro Bachhat Khata   NPR 1,000 4.25%
  Surakshya Bachat Khata   NPR 5000 4.25%
  Premium Savings Account   NPR 10,000 5.25%
  Super Premium Saving Account   NPR 25,000 6.25%
  Non-Institutional FD (Monthly or Quarterly Interest Payment)      
FIXED Non-Institutional (3 Months to below 6 Months)     7.55%
Non-Institutional (6 Months to below 1 Year)     8.05%
Non-Institutional (1 Year to below 2 Years)     8.75%
Non-Institutional (2 Years and above)     9.25%
Non-Institutional Annuity Deposit     9.25%
Khutruke Khata (Recurring)     7.25%
Institutional Fixed Deposit (3 months)     7.35%
Institutional Fixed Deposit (6 months to below 1 Year)     8.05%
Institutional Fixed Deposit (1 Year and above)     8.55%
Foreign Currency Deposits (FCY) USD Savings Account     2.50%
Structured USD Savings Account     4.05%
EUR Savings Account     2.00%
GBP Savings Account     2.00%

Note: Additional 0.25 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.
B) INTEREST RATES ON LOANS AND ADVANCES* (Floating)

Type of Loan Risk Premium (% Per Annum) on Base Rate
Corporate Loan  
Demand Loan Upto 5.00%
Export Finance Upto 5.00%
Overdraft Upto 5.00%
Term Loan Upto 5.00%
Short Term Pledge Loan
Short Term Working Capital Loan Upto 5.00%
Importer's Loan
Hire Purchase Loan(Commercial Vehicle/Heavy Equipment) Upto 5.00%
Real Estate Loan - Land Development Upto 5.00%
Real Estate Loan - Housing/Commercial Complex Development Upto 7.00%
Civil Bank SME and Mid-Corporate Loan Upto 5.00%
Civil Bank Home Loan (HL) Upto 3.00%
Civil Bank Hire Purchase Loan  
i.  Auto Loan-Private Upto 4.00%
ii. Auto Loan-Commercial Upto 5.00%
iii. Other Equipment Upto 7.00%
Civil Bank Personal Mortgage Loan
(Revolving)
Upto 7.00%
Civil Bank Personal Mortgage Loan
(Non Revolving)
 
i.  Up to 5 years Upto 5.00%
ii. Above 5 years Upto 7.00%
Margin Lending (against ordinary Shares of acceptable companies) Upto 5.00%
Saurya Shakti Karja Upto 3.50%
Civil Bank Gold/Silver Loan Upto 5.00%
Civil Bank Education Loan Upto 5.00%
Civil Bank Personal Loan Upto 7.00%
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 7.00%
Hastakala Karja Upto 7.00%
Micro Credit Risk Premium (% Per Annum) on Base Rate
Micro Group Guarantee Based loans  Upto 7.00%
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 5.00%
Deprived Sector Loans (Cooperatives/NGOs) Upto 5.00%
Interest Rate Spread (Shrawan 2078) 2.62%
Base Rate (Shrawan 2078) 7.89%
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 + 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%
Base Rate (BR) of last quarter shall be applied in Fixed Rate  
Interest rate on default/ forced loan 17.00%