CIVIL BANK

 

SCHEDULE OF INTEREST RATE effective from 14th April (1st Jestha 2079) INTEREST RATES ON DEPOSITS

A) INTEREST RATES ON DEPOSITS


 
 
 
 
 
 
 

SCHEMES Minimum Balance Interest rate(% Per Annum)
SAVINGS Mero Bachat Khata NPR 500 6.03%
Salary Plus Account NPR 0 6.03%
Kishor Bachat Khata NPR 1,000 6.03%
Nari Bachat Khata NPR 1,000 6.03%
Baristha Bachat NPR 10,000 8.03%
Silver Saving Account                                                                                    NPR 10,000 6.03%
Gold Saving Account NPR 25,000 6.03%
Sansthapak Bachat Khata NPR 1,000 6.03%
Remit Savings Account NPR 1,000 6.03%
Laganikartako Khata 6.03% 6.03%
Platinum Saving Account  NPR 50,000 6.03%
Naya Bachat Khata NPR 75,000 6.03%
Nepali Bachat Khata Nil 6.03%
Sagarmatha Bachat Khata NPR 1,000 6.03%
Chandrasurya Bachat Khata NPR 10,000 6.03%
Online Savings Account Nil 6.03%
Samman Bachat Khata Nil 6.03%
Samriddhi Bachat Khata Nil 6.03%
  Hamro Bachhat Khata NPR 1,000 6.03%
  Surakshya Bachat Khata NPR 5000 6.03%
  Premium Savings Account NPR 10,000 7.03%
  Super Premium Saving Account NPR 25,000 8.03%
  Civil Super Baideshik Rojgaar Khata Nil 9.03%
  Non-Institutional FD    
FIXED Non-Institutional (3 Months and above)   11.03%
Non-Institutional Annuity Deposit   11.03%
Khutruke Khata (Recurring)   9.03%
Civil Remittance Khutruke Khata   10.03%
  Civil Remit FD   12.03%
 

Institutional Deposit:

3 Months and above

 

 

10.03%

 

Institutional FD (Bidding):

3 Months and above
  Upto 10.03%
Foreign Currency Deposits (FCY) USD Savings Account   4.16%
Structured USD Savings Account   5.16%
EUR Savings Account   2.01%
GBP Savings Account   2.01%

Note: Additional 0.10 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.
Interest of 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 Government Bonds  Upto 2.00%
Loan against Civil FD ** Plus 1.00%**
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 (Chaitra 2078) 3.85%
Base Rate (Chaitra 2078) 10.24%
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 19.50%