CIVIL BANK

SCHEDULE OF INTEREST RATE effective from 13th October 2020 (1st Kartik 2077) INTEREST RATES ON DEPOSITS

SCHEMES Minimum Balance Interest rate(% Per Annum)
SAVINGS Civil Bank Mero Bachat Khata NPR 500 4.00%
Civil Bank Salary Plus Account NPR 0 4.00%
Civil Kishor Bachat Khata NPR 1,000 4.00%
Civil Bank Nari Bachat Khata NPR 1,000 4.00%
Civil Bank Ama Buwa Bachat Khata NPR 10,000 4.00%
Civil Bank Silver Saving Account                                                                                    NPR 10,000 4.00%
Civil Bank Gold Saving Account NPR 25,000 4.00%
Civil Bank Sansthapak Bachat Khata NPR 1,000 4.00%
Civil Bank Remit Savings Account NPR 1,000 4.00%
Civil Bank Laganikartako Khata NPR 10,000 4.00%
Civil Bank Platinum Saving Account  NPR 50,000 4.00%
Civil Naya Bachat Khata NPR 75,000 4.00%
Civil Nepali Bachat Khata NIL 4.00%
Civil Sagarmatha Bachat Khata NPR 1,000 4.00%
Civil Chandrasurya Bachat Khata NPR 10,000 4.00%
Civil Online Savings Account Nil 4.00%
Civil Samman Bachat Khata Nil 4.00%
Samriddhi Bachat Khata Nil 4.00%
  Hamro Bachhat Khata NPR 1,000 4.00%
  Surakshya Bachat Khata NPR 5000 4.00%
  Premium Savings Account NPR 10000 6.00%
FIXED Non-Institutional ( 3 months to 6 months)   7.75%
Non-Institutional (Above 6 months to below 1 year)   8.00%
Non-Institutional (1 year)   8.75%
Non-Institutional (Two Years and Above)   9.00%
Non-Institutional Annuity Deposit   9.25%
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 and above (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   2.50%
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 Upto 5%
Civil Bank Hire Purchase Loan  
i.  Auto Loan-Private Upto 5%
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 (Bhadra 2077) 4.49%
Base Rate (Bhadra 2077) 9.51%

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