| S.No. |
Loan Heading |
Rate Per Annum |
1. Export Finance
|
| 1.1 |
Gold and Silver Loan |
BR+4.16 |
| 1.2 |
Export Finance in Domestic Currency |
BR+0.10 to BR+0.21 |
| 1.3 |
Post Shipment & Pre-Shipment (in USD) |
One Year LIBOR Rate + 2.69% |
2. Trust Receipt
|
| 2.1 |
Trust Receipt (NPR) |
BR+1.19 to BR+1.80 |
| 2.1 |
Trust Receipt (USD) |
Six Month LIBOR Rate + 2.69% |
3. Term Loan
|
| 3.1 |
Industrial/Commercial |
BR+2.55 to BR+3.16 |
| 3.2 |
Real Estate - Housing Plan |
BR+3.19 to BR+3.80 |
| 3.3 |
Real Estate - Commercial Complex |
BR+2.19 to BR+2.80 |
4. Working Capital
|
| 4.1 |
Hypothecation |
BR+3.05 to BR+3.66 |
| 4.2 |
Overdraft |
BR+3.05 to BR+3.66 |
| 4.3 |
Pledge loan |
BR+3.05 to BR+3.66 |
| 4.4 |
Demand |
BR+3.05 to BR+3.66 |
| 4.5 |
Mortgage Loan |
|
| 4.5.1 |
Mortgage Working Capital Loan |
BR+3.05 to BR+4.66 |
| 4.5.2 |
Mortgage Term Loan |
BR+3.05 to BR+4.66 |
| 4.6 |
Sajilo Byabasaya Karja |
BR+3.19 |
| 4.7 |
Sambriddha Byabasaya Karja |
BR+2.00 to BR+3.66 |
| 4.8 |
Laghu Udhyam Karja |
BR+2.00 |
| 4.9 |
Anniversary Business Loan |
6.99% or BR+0.18 whichever is higher |
| 4.10 |
Entrepreneurship Term Loan -Lumbini Province |
7.75% (Fixed Rate for 3 Years) |
5. Deprived Sector Loan
|
| 5.1 |
Individual |
BR+1.55 to BR+2.16 |
| 5.2 |
Institutional (Wholesale) - Revolving |
BR+0.19 to BR+1.30 |
| 5.3 |
Institutional (Wholesale) - Term loan |
BR+0.19 to BR+1.30 |
| 5.4 |
Institutional (Retail) - Revolving |
BR+1.19 to BR+1.80 |
| 5.5 |
Institutional (Retail) -Term Loan |
BR+1.19 to BR+1.80 |
6. Agriculture Loan
|
| 6.1 |
Agriculture Loan |
BR+2.00 |
7. Other Loan
|
| 7.4 |
Hire Purchase loan |
BR+2.55 to BR+4.16 |
| 7.1 |
Loan against first class bank guarantee |
BR+1.55 to BR+2.16 |
| 7.2 |
Loan against FD receipt |
Coupon Rate + 2.00 |
| 7.3 |
Loan against Govt. Securities |
Coupon Rate + 2.00 or 1 year Fixed Deposit rate, whichever is higher |
| 7.5 |
Sahuliyatpurna Karja |
BR+2.00 |
| 7.6 |
Entrepreneurship Term Loan - Lumbini Province |
7.75% (Fixed Rate for 3 Years) |
| 7.7 |
NBL Com. agri. & Livestock Term Loan - Karnali Province |
BR+2.00 |
| 7.8 |
NBL Com. agri. & Livestock WC - Karnali Province |
BR+2.00 |
| 7.9 |
NBL Byebasaye Jiban Rakchya Term Loan - Gandaki Province |
BR+3.00 |
8. Interest on Retail Loans
|
| 8.1 |
Auto Loan |
|
| 8.1.5 |
Nepalaxmi Auto Loan |
BR+1.55 to BR+2.16 |
| 8.1.6 |
NBL Professional Auto Loan |
BR+1.55 to BR+2.16 |
| 8.4.2 |
10 years term |
BR+3.05 to BR+4.16 |
| 8.4.1 |
5 years term |
BR+2.55 to BR+3.66 |
| 8.4.3 |
15 years and above term |
BR+3.55 to BR+4.33 |
| 8.5 |
Personal Overdraft |
|
| 8.2.4 |
Professional Home Loan |
BR+1.55 to BR+2.16 |
| 8.4 |
Personal Term Loan |
|
| 8.3.4 |
20 years term |
BR+2.00 |
| 8.3.3 |
15 years term |
BR+1.50 |
| 8.3.2 |
10 years term |
BR+1.25 |
| 8.3.1 |
5 years term |
BR+1.00 |
| 8.3 |
Shulav Aawas Karja |
|
| 8.2.5 |
Nepalaxmi Home Loan |
BR+1.55 to BR+2.16 |
| 8.9.2 |
Flexi Overdraft |
BR+3.05 to BR+4.16 |
| 8.5.1 |
POD - Professional |
BR+3.55 to BR+4.16 |
| 8.5.2 |
POD - Others |
BR+4.05 to BR+4.66 |
| 8.6 |
NBL Professional Loan |
|
| 8.6.1 |
Overdraft |
BR+3.19 to BR+4.16 |
| 8.6.2 |
Term Loan |
BR+1.69 to BR+2.66 |
| 8.7 |
Education Loan |
|
| 8.7.1 |
5 years term |
BR+1.05 to BR+1.66 |
| 8.7.2 |
10 years term |
BR+1.55 to BR+2.16 |
| 8.8 |
Margin Lending |
|
| 8.8.1 |
Up to 5 Million |
BR+4.05 to BR+5.02 |
| 8.8.2 |
5 Million above up to 50 Million |
BR+3.55 to BR+4.52 |
| 8.8.3 |
50 Million above up to 100 Million |
BR+3.05 to BR+4.02 |
| 8.8.4 |
100 Million above |
BR+2.05 to BR+3.02 |
| 8.9 |
NBL Flexi Loan |
|
| 8.9.1 |
Flexi Term Loan |
BR+3.05 to BR+3.66 |
| 8.2.3 |
15 years and above term |
BR+3.05 to BR+3.66 |
| 8.1.1 |
Private vehicle 5 years term |
BR+2.55 to BR+3.16 |
| 8.1.2 |
Private vehicle 7 years term |
BR+3.55 to BR+4.16 |
| 8.1.3 |
Private vehicle business use 5 years term |
BR+2.55 to BR+4.16 |
| 8.1.4 |
Commercial vehicle 3-5 years term |
BR+3.55 to BR+4.16 |
| 8.1.7 |
Electrical Vehicle |
BR+2.01 to BR+4.16 |
| 8.2 |
Home Loan |
|
| 8.2.1 |
5 years term |
BR+1.55 to BR+2.16 |
| 8.2.2 |
10 years term |
BR+2.19 to BR+2.80 |
| 8.10 |
Sewagrahi Karja |
BR+upto5.00 |
| 8.11 |
Ghaderi Karja |
BR+3.00 |
| 8.12 |
NBL Pensioner Loan |
BR+2.00 |
