National Circular No.

2079-80/264
Origin Ref : TFO/12/2079-80 Date : 12th May, 2023
Subject : Interest Rates

Effective from 15th May 2023 (1st Jestha 2080), interest rates on deposit and lending products shall be as
under:
Interest Rates effective from 15th May 2023 shall be applicable for following deposit and loan products

Premium over Base Rate (%

DEPOSITS (LCY) Interest Rate (% p.a.) Loans (Contd…)
p.a.)

A. Savings Deposit: A. Business Loan (contd…)

- Nabil General Savings Account 5.40
Nabil Premium Nari Bachat Khata 5.40 New Loans Renewals

Nabil Corporate Staff Savings Account 5.40 II. TR/Import Loan

Nabil Bachat Yojana 5.40 Multinational 3.25-5.00 3.50-5.00
Nabil Jestha Bachat Khata 5.40 Prime 3.50-5.00 3.75-5.00
Nabil Bal Bachat Khata 5.40 Others 3.75-5.00 4.00-5.00
Nabil Remittance Savings Account 5.40 III. Working Capital Term Loan
Nabil Social Security Savings Account 5.40 Multinational 3.50-5.00 3.75-5.00
Nabil Gen N Account 5.40 Prime 3.75-5.00 4.00-5.00
Nabil Sahuliyat Khata 5.40 Others 4.00-5.00 4.25-5.00
Corporate General Savings 5.40 IV. Short Term Loan (STL)
Nabil Gen Alpha Account 5.40 Multinational 3.25-5.00 3.50-5.00
Nabil Gaurav Bachat Khata 5.40 Prime 3.75-5.00 3.75-5.00
Nabil Shareholders Savings Account 5.90 Others 3.75-5.00 4.00-5.00
Nabil Premium Payroll Savings Account 5.90 V. Structured Short Term/Time Loan 3.75-5.00 3.75-5.00
Corporate Premium Savings 6.40 4.25-5.00
Nabil Gold Savings Account 7.40 7 Institutional Auto Finance 4.75-5.00 4.75-5.00
Corporate Super Savings 7.40 8 Equity Mortgage Loan 3.00-5.00 3.00-5.00
Nabil Gold Payroll Savings 7.40 9 Channel Financing 3.50-5.00 3.50-5.00
Nabil Dhukka Bachat Khata 7.40 10 Nabil Sakchhyam Karza 3.25-5.00 3.75-5.00
Nabil Premium Remittance Account 8.40 11 Nabil Nari Karja 3.75-5.00 3.75-5.00
12 Nabil Sajilo Karja 3.75-5.00 3.75-5.00
B. Fixed Deposit 13 Nabil Sajilo Express Karja 2.00
Individual 14 Nabil Kishan Karza 4.00-5.00 4.00-5.00
- 3 Months and Above 9.99 15 Nabil Udhyamshil Karza
'Nabil Remittance Fixed Deposit Account 10.99 16 Fixed Rate Business Term Loans
- Cumulative Fixed Deposit (1 Year) 9.99 Up to 5 years 13.50%
Above 5 to 10 years 13.75%
Institutional Above 5 to 10 years 14.00%
- 6 months and Above 7.99
B. Retail Loan
Nabil Akshaya Kosh Muddati Negotiable 1 Housing 3.25-5.00
2 Mortgage 3.75-5.00
C. Call Deposit upto 2.70 3 Auto
I. Private 3.25-5.00
Fixed Deposit (3 months and above
for Individual and 6 months and
II. Commercial 4.25-5.00
above for Institutions) Interest Rate Call Interest Rate (%
FCY DEPOSIT (% p.a.) p.a.)
Currency Saving Interest Rate (% p.a.) III. Tractor Loan 4.25-5.00
USD Saving 1.50% 5% Upto 0.75% IV. Electric Vehicle
Nabil USD Special Savings A/c 1.75% a.Private 2.50-5.00
Nabil USD Elite Savings A/c 3% 1% Upto 0.25% b.Commercial 4.25-5.00
GBP 0.50% 0.50% Upto 0.12% 4 Education 3.75-5.00
EUR 0.25% 0.50% Upto 0.05% 5 Personal Overdraft 4.50-5.00
JPY 0.10% 0.50% Upto 0.05% 6 Corporate Employees Loan 0.00-5.00
AUD 0.10% 7 Nabil Personal Loan/OD for Employees 4.50-5.00
8 Nabil Sahayatri Karja 4.50-5.00
9 Gold Loan 4.00-5.00
NRN Fixed Deposit (Minimum Balance USD 1,000.00 or equivalent & Minimum Tenor 1 year) 10 Nabil Fone Loan 5.00
- USD 5.00 11 Fixed Rate Education Loan 13.99%#
- AUD 3.00 12 Fixed Rate Retail Loan Products#
- GBP 3.00
Up to 5 years
Premium over base rate (% p.a.) Housing and Mortgage 13.49%
Other Retail loans 14.49%
BUSINESS LOAN
LCY LOANS New Loans Renewals Auto Loans 13.49%
A. Directed Sector Above 5 years to 7 years
1 Energy 3.25-5.00 3.75-5.00 Auto 14.49%
Agriculture (except specified sector
3.25-5.00 3.75-5.00 Above 5 years to 10 years
as per NRB Directive)
Loans to the specified sector as per NRB Directive
2.00 2.00 Housing and Mortgage 14.09%
(up to NPR 20 million)
SME Loan up to NPR 10 million (except specified
3.50-5.00 3.75-5.00 Above 10 years to 15 years
sector as per NRB Directive)

2 Deprived Sector Housing and Mortgage 14.49%

Institutional Deprived Sector 2.00 2.00 Nabil Dhukka Ghar Karja
Direct Deprived Sector Lending (DDSL) i) Fixed up to 7 years 10.99%

Loans to the specified sector as per NRB Directive 2.00 ii) Fixed up to 10 years 11.99%

DDSL Auto Loan 4.00-5.00

Low Cost Housing 4.00-5.00 C Loan Against
Other DDSL 4.00-5.00
3 Interest Subsidized Loan as per NRB 2.00 2.00 1 Fixed Deposit (Nabil Bank) 2.00-3.5*
4 Export Finance 2 Fixed Deposit (Other banks) 2.50-3.5*
Prime 3.25-5.00 3.75-5.00 3 1st Class Bank Guarantee 3.00-5.00
Others 3.75-5.00 4.00-5.00 4 Other Bank's Guarantee 4.50-5.00
5 Term Loan 5 Govt. Securities 3.00-5.00
Multinational 3.25-5.00 6 LCY Loan Against FCY Deposit 3.50-5.00
Prime 3.50-5.00 7 Loan Against Share 3.50-5.00
Others 3.75-5.00
6 Working Capital Loan D Other Loans (Different kinds of Loan products from erstwhile UFL) up to 5.00
I Overdraft/Demand Loan/Cash Credit
Multinational 3.25-5.00 3.75-5.00
Prime 3.50-5.00 3.75-5.00
Others 3.75-5.00 4.00-5.00

* Base rate or coupon rate whichever is higher plus premium upto 3.5%.
# Rates are all-in-rates (Base rate plus Premium)

Note:
1. Average Base Rate for the month of Chaitra and LCY Interest rate spread for the month of Chaitra 2079 are
9.99% and 5.15% respectively.

2. The effective applicable loan interest rate shall be automatically revised with effect from the 1st day of every
quarter based on the change in the previous quarter-end (Bikram Sambat Calendar) average base rate as
published by the Bank periodically.

3. Interest rates on consortium loans shall be as decided by consortium meetings.

4. Penal interest shall be charged at 2% above the agreed premium over base rate on all overdue/expired
loans.

5. Interest rate on foreign currency loans shall be determined on deal to deal basis as per market movements
and/or LIBOR plus premium subject to applicable NRB guidelines.

6. Interest rates on loans against NRB refinance shall be as per applicable NRB guidelines.

7. BMs, Cluster Heads and PMs can offer above circulated premium over base rate. In case of offering
discount on premium (new and existing both), approval of CBO/SBU Heads is required to offer effective rate at
BR +3.00% while approval of CEO/SDCEO/DCEO/DGM is required for lower premium.

8. Call deposit interest rate shall be as per agreement subject to applicable NRB guidelines. Please refer NC
2079/80-005 dated 17 July 2022 for authorities to provide call deposit rates.

9. In case of SDB/Excess Limit, interest rate of additional 50 basis points shall be applicable on all the above
mentioned slabs along with LAF under the highest slab.

10. Branch Managers, SBU-Heads and Officials above in the respective reporting lines are allowed to add
upto 0.50% points over the published interest rate in case of NPR institutional FD bidding. In case of FCY
institutional FD bidding, approval of Head Treasury is required to add such addition upto 0.50% points over the
published interest rate.

11. Interest Rate of any products falling under NRB Directed/prescribed Sectors shall be applied as per NRB

(Original Signed)
Gyanendra Prasad Dhungana
Chief Executive Officer
 Interest Rates (For Publication) effective from 15th May 2023 shall be applicable for following deposit and loan products
Premium over Base Rate (%
DEPOSITS (LCY) Interest Rate (% p.a.) Loans (Contd…)
p.a.)
A. Savings Deposit: A. Business Loan (contd…)
Nabil General Savings Account 5.40
Nabil Premium Nari Bachat Khata 5.40 II. TR/Import Loan
Nabil Corporate Staff Savings Account 5.40 Multinational upto 5.00
Nabil Bachat Yojana 5.40 Prime upto 5.00
Nabil Jestha Bachat Khata 5.40 Others upto 5.00
Nabil Bal Bachat Khata 5.40 III. Working Capital Term Loan
Nabil Remittance Savings Account 5.40 Multinational upto 5.00
Nabil Social Security Savings Account 5.40 Prime upto 5.00
Nabil Gen N Account 5.40 Others upto 5.00
Nabil Sahuliyat Khata 5.40 IV. Short Term Loan (STL)
Corporate General Savings 5.40 Multinational upto 5.00
Nabil Gen Alpha Account 5.40 Prime upto 5.00
Nabil Gaurav Bachat Khata 5.40 Others upto 5.00
Nabil Shareholders Savings Account 5.90 V. Structured Short Term/Time Loan upto 5.00
Nabil Premium Payroll Savings Account 5.90 7 Institutional Auto Finance upto 5.00
Corporate Premium Savings 6.40 8 Equity Mortgage Loan upto 5.00
Nabil Gold Savings Account 7.40 9 Channel Financing upto 5.00
Corporate Super Savings 7.40 10 Nabil Sakchhyam Karza upto 5.00
Nabil Gold Payroll Savings 7.40 11 Nabil Nari Karja upto 5.00
Nabil Dhukka Bachat Khata 7.40 12 Nabil Sajilo Karja upto 5.00
Nabil Premium Remittance Account 8.40 13 Nabil Sajilo Express Karja upto 5.00
14 Nabil Kishan Karza 2.00
B. Fixed Deposit 15 Nabil Udhyamshil Karza upto 5.00
Individual 16 Fixed Rate Business Term Loans#
- 3 Months and Above 9.99 Up to 5 years 13.50%
- Nabil Remittance Fixed Deposit Account 10.99 Above 5 to 10 years 13.75%
- Cumulative Fixed Deposit (1 Year) 9.99 Above 10 years 14.00%

Institutional B. RETAIL LOAN

- 6 months and Above 7.99 1 Housing upto 5.00
2 Mortgage upto 5.00
Nabil Akshaya Kosh Muddati Negotiable 3 Auto
I. Private upto 5.00
Call Deposit upto 2.70 II. Commercial upto 5.00
III. Tractor Loan upto 5.00
C FCY DEPOSIT IV. Electric Vehicle
Fixed Deposit (3 months and
above for Individual and 6
Currency Saving Interest Rate (% p.a.) months and above for a.Private 2.50-5.00
Institutions) Interest Rate (% Call Interest
p.a.) Rate (% p.a.)
USD Saving 1.50% b.Commercial 4.50-5.00

Nabil USD Special Savings A/c 1.75% 5% Upto 0.75% 4 Education upto 5.00
Nabil USD Elite Savings A/c 3% 5 Personal Overdraft upto 5.00
GBP 0.50% 1% Upto 0.25% 6 Corporate Employees Loan upto 5.00
EUR 0.25% 0.50% Upto 0.12% 7 Nabil Personal Loan/OD for Employees upto 5.00
JPY 0.10% 0.50% Upto 0.05% 8 Nabil Sahayatri Karja upto 5.00
AUD 0.10% 0.50% Upto 0.05% 9 Gold Loan upto 5.00
10 Nabil Fone Loan 5.00
NRN Fixed Deposit (Minimum Balance USD 1,000.00 or equivalent & minimum Tenor 1 year) 11 Fixed rate Education loan 13.99%#
- USD 5.00 12 Fixed rate Retail Loan Products#
- GBP 3.00 Up to 5 years
- AUD 3.00 Housing and Mortgage 13.49%
Other Retail loans 14.49%
Premium over base rate (%
Auto Loans 13.49%
p.a.)

LCY LOANS BUSINESS LOAN Above 5 years to 7 years

A Directed Sector Auto 14.49%
Energy upto 5.00 Above 5 years to 10 years
Loans to the specified sector as per NRB
1 Directive 2 Housing and Mortgage 14.09%
(up to NPR 20 million)
Agriculture (except specified sector as per
NRB upto 5.00 Above 10 years to 15 years
Directive)
SME Loan up to NPR 10 million
(except specified sector as per NRB upto 5.00 Housing and Mortgage 14.49%
Directive)
2 Deprived Sector Nabil Dhukka Ghar Karja
Institutional Deprived Sector 2.00 Fixed up to 7 years 10.99%
Direct Deprived Sector Lending (DDSL) Fixed up to 10 years 11.99%
Loans to the specified sector as per
2.00
NRB Directive
DDSL Auto Loan upto 5.00 C. Loan Against -
Low Cost Housing upto 5.00 1 Fixed Deposit (Nabil Bank) Upto 3.5*
Other DDSL upto 5.00 2 Fixed Deposit (Other banks) Upto 3.5*
3 Interest Subsidized Loan as per NRB 2.00 3 1st Class Bank Guarantee Upto 5.00
4 Export Finance 4 Other Bank's Guarantee Upto 5.00
Prime upto 5.00 5 Govt. Securities Upto 5.00
Others upto 5.00 6 LCY Loan Against FCY Deposit Upto 5.00
5 Term Loan 7 Loan Against Share upto 5.00
Multinational upto 5.00
Other Loans (Different kinds of loan products from
Prime upto 5.00 D Upto 5.00
erstwhile UFL)
Others upto 5.00
6 Working Capital Loan upto 5.00
I Overdraft/Demand Loan/Cash Credit
Multinational upto 5.00
Prime upto 5.00
Others upto 5.00

* Base rate or coupon rate whichever is higher plus premium upto 3.5%.
# Rates are all-in-rates (Base rate plus Premium)