CIVIL BANK

SCHEDULE OF INTEREST RATE effective from 15th January, 2023 (Magh 2079) INTEREST RATES ON DEPOSITS

A) INTEREST RATES ON DEPOSITS

SCHEMES Minimum Balance Interest rate(% Per Annum)
SAVINGS Mero Bachat Khata NPR 500 6.42%
Salary Plus Account NPR 0 6.42%
Kishor Bachat Khata NPR 1,000 6.42%
Nari Bachat Khata NPR 1,000 6.42%
Baristha Bachat NPR 10,000 8.42%
Silver Saving Account                                                                                    NPR 10,000 6.42%
Gold Saving Account NPR 25,000 6.42%
Sansthapak Bachat Khata NPR 1,000 6.42%
Remit Savings Account NPR 1,000 6.42%
Laganikartako Khata NPR 1,000 6.42%
Platinum Saving Account  NPR 50,000 6.42%
Naya Bachat Khata NPR 75,000 6.42%
Nepali Bachat Khata Nil 6.42%
Sagarmatha Bachat Khata NPR 1,000 6.42%
Chandrasurya Bachat Khata NPR 10,000 6.42%
Online Savings Account Nil 6.42%
Samman Bachat Khata Nil 6.42%
Samriddhi Bachat Khata Nil 6.42%
  Hamro Bachhat Khata NPR 1,000 6.42%
  Surakshya Bachat Khata NPR 5000 6.42%
  Premium Savings Account NPR 10,000 7.42%
  Super Premium Saving Account NPR 25,000 8.42%
  Civil Super Baideshik Rojgaar Khata Nil 9.42%
  Non-Institutional FD    
FIXED Non-Institutional (3 Months and above)   11.00%
Non-Institutional Annuity Deposit   11.00%
Khutruke Khata (Recurring)   9.42%
Civil Remittance Khutruke Khata   10.42%
  Civil Remit FD   12.00%
 

Institutional Deposit:

3 Months and above

 

 

9.00%
 

Institutional FD (Bidding):

3 Months and above
  9.00%
CALL NPR Call Deposit   3.21%
Foreign Currency Deposits (FCY) USD   5.75%
Structured USD Savings Account   5.75%
EURO   4.00%
GBP   4.75%
  AUD   5.10%

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

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

Type of Loan Risk Premium (% Per Annum) on Base Rate
Corporate Loan  
Demand Loan Upto 6.00%
Export Finance Upto 6.00%
Overdraft Upto 6.00%
Term Loan Upto 6.00%
Short Term Pledge Loan Upto 6.00%
Short Term Working Capital Loan Upto 6.00%
Importer's Loan Upto 6.00%
Hire Purchase Loan(Commercial Vehicle/Heavy Equipment) Upto 6.00%
Real Estate Loan - Land Development Upto 6.00%
Real Estate Loan - Housing/Commercial Complex Development Upto 6.00%
Civil Bank SME and Mid-Corporate Loan Upto 6.00%
Civil Bank Home Loan (HL) Upto 6.00%
Civil Bank Hire Purchase Loan  
i.  Auto Loan-Private Upto 6.00%
ii. Auto Loan-Commercial/Other Hire Purchase Loan Upto 6.00%
Civil Bank Personal Mortgage Loan
(Revolving)
Upto 6.00%
Civil Bank Personal Mortgage Loan
(Non Revolving)
 
i.  Up to 5 years Upto 5.50%
ii. Above 5 years Upto 6.00%
Margin Lending (against ordinary Shares of acceptable companies) Upto 6.00%
Saurya Shakti Karja Upto 3.50%
Civil Bank Gold/Silver Loan Upto 6.00%
Civil Bank Education Loan Upto 6.00%
Civil Bank Personal Loan Upto 6.00%
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 6.00%
Hastakala Karja Upto 6.00%
Micro Credit Risk Premium (% Per Annum) on Base Rate
Micro Group Guarantee Based loans  Upto 6.00%
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 (Mangsir 2079) 4.12%
Average Base Rate (Average of Q1 2079/80) 11.09%
Note: Interst Rate on Consortium Loans will be as per Consortium Decision but not less than base rate * Conditions Apply ** Coupon Rate plus 2%, or Base Rate plus 1 %, 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 + 5.50%
Personal Mortgage Loan (Above 5 Years) Base Rate + 6.00%
Base Rate (BR) of last quarter shall be applied in Fixed Rate  
Interest rate on default/ forced loan Base Rate + 7%