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Interest Rates
Rates of Interest to be effective from May 2013
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Base Rate as of Baishak end 2070
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9.80 %
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DEPOSITS
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% Per annum
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Minimum Balance(in NPR)*
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Saving Deposits
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Sulav Bachat/Lagani
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3.00
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500
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Sambriddhi Bachat
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3.00
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500
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Little Stars Saving
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4.00
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500
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BOA Karmachari Bachat Khata
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3.50
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500
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| BOA Remit Khata | 3.50 | - |
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BOA Shareholders' Account
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4.00
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1,000
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Payroll Saving
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3.50
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-
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Nari Shakti Bachat
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5.00
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1,000
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BOA Dhanabarsa Bachat Khata
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5.00
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5,000
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USD Saving Account
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1.00
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GBP/EURO Saving Account
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1.00
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Fixed Deposits
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1 month
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2.00
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3 months
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4.00
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6 months
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5.00
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Individual (1 Year and above)
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8.00
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Structure Deposit (up to 2 Year)
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9.50
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Call Deposits
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Negotiable
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*Account Balance in excess of the indicated minimum balance shall only be available for withdrawal.
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% Per annum
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LOANS & ADVANCE
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Level -1*
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Level -2*
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Level -3*
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Overdraft / Cash Credit
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12-13.5%
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13.5-15%
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Importers Loan (Trust Receipt)
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11-12%
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12-14%
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Working Capital / Demand / Short Term Loan Working Capital / Demand / Short Term Loan
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11-13%
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13-15%
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Structured Demand Loan
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13-14%
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14-15%
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Term Loan
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13-14%
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14-16%
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Home Loan
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11.49-13.99%
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14-15%
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Upto 5 years
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Above 5 Years
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Loan against Property
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13-14%
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14-16%
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Auto Loans
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11.50-12.50%
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12.5-15%
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Equipment Financing
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14-14.5%
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15-16%
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Export Loans
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11-12%
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12-13%
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Loan against Shares (Margin Lending)
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12-13%
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13-15%
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Loans in FCY
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+3.00% on Libor
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Deprived Sector Loan
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9-12%
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12-15%
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| Loan against 1st class Bank Guarantee | 9% | ||
| Loan against Government Bond | |||
| Loan against own Fixed Deposit Receipt | FD Rate or 9 % which ever is higher | ||
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Loan against Fixed Deposit Receipt of Other Banks
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+ 2.00% or 11 % which ever is higher | ||
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Loan Against Gold
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13-14%
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Other Loans
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15-18%
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*Interest Rates are subject to change without advance notice.
