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Interest Rates
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