Interest Rates - Loans and Advances
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- Interest Rates – Loans and Advances
Interest Rate Effective From 1st Ashadh 2082 (15th June, 2025)
A. For Individual Borrower availing Term Loan
| Fixed Interest Rate | Floating Interest Band | |
| Credit Facilities | Up to 7 Years | |
| Housing Loan | 9.00% | BR+ 1.00% to BR + 3.00% |
| Vehicle Loan | 9.00% | BR+ 1.00% to BR + 3.00% |
| Hire Purchase | 12.50% | BR+ 1.00% to BR + 3.00% |
| Education Loan | 11.99% | BR+ 1.00% to BR + 3.00% |
| Flexi Loan | 11.99% | BR+ 1.00% to BR + 3.00% |
| Professional Loan | 11.99% | BR+ 1.00% to BR + 3.00% |
| Future Lease Loan | 12.99% | BR+ 1.00% to BR + 3.00% |
| Retail Space Loan | 11.99% | BR+ 1.00% to BR + 3.00% |
| Loan against consumable goods | 12.99% | BR+ 1.00% to BR + 3.00% |
| Loan against Pension | 11.99% | BR+ 1.00% to BR + 3.00% |
| Advance against Life Insurance Policy | 11.99% | BR+ 1.00% to BR + 3.00% |
| Agro Loan | 11.99% | BR+ 1.00% to BR + 3.00% |
| Deprived Sector | 11.99% | BR+ 1.00% to BR + 3.00% |
B. For SME Loans
| Credit Facilities | Fixed Interest Rate | Floating Interest Band |
| Up to 5 Years | ||
| WC-CC/ STL/ DL/ TR | BR+ 1.00% to BR + 3.00% | |
| Term Loans | 11.99% | BR+ 1.00% to BR + 3.00% |
| Margin Lending/ Share Loan | BR+ 1.00% to BR + 3.00% | |
| Deprived Sector | 11.99% | BR+ 1.00% to BR + 3.00% |
| USD denominated FCY loan | As per NRB regulations | |
| Loan against liquid assets (FDR, Govt. Bond/ National Saving Bond) | Up to 2% above coupon rate | |
C. For Corporate Loans
| Credit Facilities | Fixed Interest Rate | Floating Interest Band |
| Up to 5 Years | ||
| WC-CC/ STL/ DL/ TR | BR+ 0.50% to BR + 2.50% | |
| Term Loans | 11.99% | BR+ 1.00% to BR + 3.00% |
| Margin Lending/Share Loan | BR+ 0.50% to BR + 2.50% | |
| Deprived Sector (Others/Institutional) | 11.99% | BR+ 0.50% to BR + 2.50% |
| USD denominated FCY loan | As per NRB regulations | |
| Loan against liquid assets (FDR, Govt. Bond/ National Saving Bond) | Up to 2% above coupon rate | |
| Credit Facilities | Floating Interest Band | |
| Short term Demand Loan | BR + up to 2.00% |
- Relaxation of 1% in ROI shall be extended to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, war victims, single women and disabled individuals under Deprived Sector Loan.
Notes:
- Interest rates on consortium loans shall be as per consortium decision.
- Penal [email protected]% shall be applied in irregular/watch-list/ NPA account.
- The variance on interest rate between same nature loans shall not be greater than that is prescribed by the regulator.
Base Rate Applicable : 5.38% (For Jestha 2082 – Average of last 3 months)
Base Rate: 5.23 % (as on Baishak 2082 end )
Spread Rate: 3.75% (as on Baishak 2082 end)
Click here to see previous Interest Rate details
