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Interest Rates
SCHEDULE OF INTEREST RATE effective from 03th Oct 2019
A)INTEREST RATES ON DEPOSITS
| SCHEMES | Minimum Balance | Interest rate(% Per Annum) | |
| SAVINGS | Civil Bank Mero Bachat Khata | NPR 500 | 6.00% |
| Civil Bank Salary Plus Account | NPR 0 | 6.00% | |
| Civil Kishor Bachat Khata | NPR 1,000 | 6.00% | |
| Civil Bank Nari Bachat Khata | NPR 1,000 | 6.00% | |
| Civil Bank Ama Buwa Bachat Khata | NPR 10,000 | 6.00% | |
| Civil Bank Silver Saving Account | NPR 10,000 | 6.00% | |
| Civil Bank Gold Saving Account | NPR 25,000 | 6.00% | |
| Civil Bank Sansthapak Bachat Khata | NPR 1,000 | 6.00% | |
| Civil Bank Remit Savings Account | NPR 1,000 | 6.00% | |
| Civil Bank Laganikartako Khata | NPR 10,000 | 6.50% | |
| Civil Bank Platinum Saving Account | NPR 50,000 | 6.00% | |
| Civil Naya Bachat Khata | NPR 75,000 | 6.00% | |
| Civil Nepali Bachat Khata | NIL | 6.00% | |
| Civil Sagarmatha Bachat Khata | NPR 1,000 | 6.00% | |
| Civil Chandrasurya Bachat Khata | NPR 10,000 | 6.00% | |
| Civil Online Savings Account | Nil | 6.00% | |
| Civil Samman Bachat Khata | Nil | 6.50% | |
| Samriddhi Bachat Khata | Nil | 6.00% | |
| Hamro Bachhat Khata | NPR 1,000 | 6.50% | |
| Surakshya Bachat Khata | NPR 5000 | 6.50% | |
| FIXED | Non-Institutional | ||
| Upto 1 year | 9.25% | ||
| Above 1 year | 9.25% | ||
| Institutional Fixed Deposit | |||
| Upto 1 year | 8.50% | ||
| Above 1 year | 8.50% | ||
| Renewal Only | 8.60% | ||
| Foreign Currency Deposits (FCY) | USD Savings Account | 4.00% | |
| Structured USD Savings Account | 4.00% | ||
| 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 5.5% | |
| Civil Bank Home Loan | Upto 5% | |
| Civil Bank Hire Purchase Loan | ||
| i. Auto Loan-Private | Upto 5% | |
| ii. Auto Loan-Commercial | Upto 6% | |
| iii. Other Equipment | Upto 6% | |
| 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 2.5% | |
| 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 2.0%** | |
| Loan against Convertible FCY Deposits | Upto 3% | |
| Overdraft Card | Base Rate + 6.89% | |
| Hastakala Karja | Base Rate + 4% | |
| Micro Credit | Risk Premium (% Per Annum) on Base Rate | |
| Micro Group Guarantee Based loans | Upto 6.89% | |
| Security based Micro Enterprise Loans | Upto 6.00% | |
| Micro Rural Housing Loans | Upto 6.00% | |
| Micro HP (deprived sector loan) | Upto 5.00% | |
| Deprived Sector (Institutional Loans/MFIs) | Upto 2.00% | |
| Deprived Sector Loans (Cooperatives/NGOs) | Upto 3.00% | |
| Interest Rate Spread (Poush 2076) | 4.90% | |
| Base Rate (Poush 2076) | 10.98% | |
Note: 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