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Interest Rates
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% | |