Interest Rates

 

SCHEDULE OF INTEREST RATE effective from 17th September, 2022 (Ashwin 2079) INTEREST RATES ON DEPOSITS

A) INTEREST RATES ON DEPOSITS

 
 
 
 
 
 
 

SCHEMES		Minimum Balance	Interest rate(% Per Annum)
SAVINGS	Mero Bachat Khata	NPR 500	7.133%
	Salary Plus Account	NPR 0	7.133%
	Kishor Bachat Khata	NPR 1,000	7.133%
	Nari Bachat Khata	NPR 1,000	7.133%
	Baristha Bachat	NPR 10,000	9.133%
	Silver Saving Account	NPR 10,000	7.133%
	Gold Saving Account	NPR 25,000	7.133%
	Sansthapak Bachat Khata	NPR 1,000	7.133%
	Remit Savings Account	NPR 1,000	7.133%
	Laganikartako Khata	NPR 1,000	7.133%
	Platinum Saving Account	NPR 50,000	7.133%
	Naya Bachat Khata	NPR 75,000	7.133%
	Nepali Bachat Khata	Nil	7.133%
	Sagarmatha Bachat Khata	NPR 1,000	7.133%
	Chandrasurya Bachat Khata	NPR 10,000	7.133%
	Online Savings Account	Nil	7.133%
	Samman Bachat Khata	Nil	7.133%
	Samriddhi Bachat Khata	Nil	7.133%
	Hamro Bachhat Khata	NPR 1,000	7.133%
	Surakshya Bachat Khata	NPR 5000	7.133%
	Premium Savings Account	NPR 10,000	8.133%
	Super Premium Saving Account	NPR 25,000	9.133%
	Civil Super Baideshik Rojgaar Khata	Nil	10.133%
	Non-Institutional FD
FIXED	Non-Institutional (3 Months and above)		12.133%
	Non-Institutional Annuity Deposit		12.133%
	Khutruke Khata (Recurring)		10.133%
	Civil Remittance Khutruke Khata		11.133%
	Civil Remit FD		13.133%
	Institutional Deposit: 3 Months and above		10.133%
	Institutional FD (Bidding): 3 Months and above		Upto 10.133%
CALL	NPR Call Deposit		3.567%
Foreign Currency Deposits (FCY)	USD		5.50%
	Structured USD Savings Account		5.50%
	EURO		2.75%
	GBP		4.68%
	AUD		4.79%

Note: Additional 0.5%  wil be provided for Insittutional Bidding. Interest on Fixed Deposit shall be posted on Monthly/Quartyerly as per agreement basis
 

B) INTEREST RATES ON LOANS AND ADVANCES* (Floating)

Type of Loan		Risk Premium (% Per Annum) on Base Rate
Corporate Loan
Demand Loan		Upto 7.00%
Export Finance		Upto 7.00%
Overdraft		Upto 7.00%
Term Loan		Upto 7.00%
Short Term Pledge Loan		Upto 7.00%
Short Term Working Capital Loan		Upto 7.00%
Importer's Loan		Upto 7.00%
Hire Purchase Loan(Commercial Vehicle/Heavy Equipment)		Upto 7.00%
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 7.00%
Civil Bank Home Loan (HL)		Upto 6.00%
Civil Bank Hire Purchase Loan
i.  Auto Loan-Private		Upto 7.00%
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 7.00%
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 7.00%
Civil Bank Education Loan		Upto 6.00%
Civil Bank Personal Loan		Upto 8.00%
Loan against Bonds		Upto 2.00%
Loan against Civil Bank 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 (Shrawan 2079)		4.39%
Average Base Rate (Average of Q4 2078/79)		10.46%
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		9.50%