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Interest Rates

Rates of Interest to be effective from 1st February 2011
DEPOSITS
% Per annum
Minimum Balance (in NPR) *
 
 
 
Saving Deposits
 
 
Sulav Bachat/Lagani
6.00
500
Sambriddhi Bachat
6.00
500
Little Stars Saving
6.00
500
BOA Karmachari Bachat Khata
6.00
500
BOA Shareholders' Account
7.00
1,000
Payroll Saving
7.00
-
Nari Shakti Bachat
7.00
1,000
BOA Dhanabarsa Bachat Khata
8.00
5,000
USD Saving Account
1.00
 
GBP/EURO Saving Account
1.00
 
Fixed Deposits
 
 
1 month
5.00
 
3 months
8.00
 
6 months
10.00
 
1 Year and above
11.50
 
BOA Dhanabarsa Muddati
12.00
 
Call Deposits
Up to 10.50%
 

*Account Balance in excess of the indicated minimum balance shall only be available for withdrawal.

 
 
 
% Per annum
LOANS & ADVANCE
Level -1*
Level -2*
Level -3*
Overdraft / Cash Credit
13-14%
14-16%
16-18%
Importers Loan (Trust Receipt)
12-13%
13-14%
14-16%
Working Capital / Demand / Short Term Loan Working Capital / Demand / Short Term Loan
13-14%13-14%
14-16%14-16%
16-18%16-18%
Structured Demand Loan
13-14%
14-16%
16-18%
Term Loan
13-14%
14-16%
16-18%
Home Loan
 
 
 
Upto 5 years
13-14%
14-15%
15-16%
Above 5 Years
14-15%
15-16%
16-18%
Loan against Property
14-15%
15-16%
16-18%
Auto Loans
14-15%
15-17%
17-21%
Equipment Financing
14-15%
15-16%
16-18%
Export Loans
12-13%
13-14%
14-15%
Loan against Shares (Margin Lending)
14-15%
15-16%
16-18%
Loans in FCY
+3.00% on Libor
Deprived Sector Loan
9-12%
12-15%
15-20%
Loan against 1st Class Bank Guarantee
+2.00% or 12.00% whichever is higher
Loan against Government Bond
Loan against own Fixed Deposit Receipt
Loan against Fixed Deposit Receipt of Other Banks
Other Loans
16-21%

*Interest Rates are subject to change without advance notice.