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Forex Rate

Currency Code Unit Cash Below Deno 50 Cash (Deno 50 and above) and Non Cash Selling
US Dollar USD 1 109.3 109.85 110.45
Euro EUR 1 127.57 128.21 129.49
British Pound GBP 1 143.02 143.74 145.18
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Interest rates

DEPOSITS %p.a.
Savings Deposits 3.50 - 5.50
Call Deposits Up to 3.50
Fixed Deposits :
1. Fixed Interest Rate
A. Institutions
1 Month to Below 2 Months 7.00
2 Months to Below 3 Months 7.50
3 Months to Below 6 Months 8.50
6 Months to Below 1 Year 9.50
1 Year and above  10.00
B. Individuals
I. Muddati Plus
3 Month 9.50
100 days 10.00
6 Month 10.25
210 days 10.50
9 Month 10.50
1 Year 10.50
15 Month 10.50
18 Month 10.50
2 Year 10.50
2 Year to 5 Years 9.50
C. Structured Fixed Deposits upto 1 year 10.50
2. Floating Interest Rate
    A. Recurring Deposits (2 - 10 Years)  5.00
    B. Kissan Banking Sewa (Recurring Deposit) (1 - 10 Years)  5.50
LOANS AND ADVANCES %p.a.
1. Working Capital loan Base Rate + upto 6.00
2. Term loan Base Rate + upto 6.00
2. Retail loans
(i) Housing Loan Base Rate + 0.50 to 6.00
ii) Education Loan Base Rate + 0.50 to 6.00
(iii) Hire Purchase Loan Base Rate + 0.50 to 6.00
(iv) Residential Real Estate Loan (Above NPR 10,000,000) Base Rate + 0.50 to 6.00
4. Development Credit Loan (including Deprived Sector Loan)
(i) Direct Financing (Micro Loans) Base Rate + 0.50 to 6.00
(ii) Small Enterprise Loan Base Rate + 1.00 to 6.00
(iii) Agri Business Loan Base Rate + 0.50 to 6.00
5. Loans against Government Bonds, Deposits of Financial Institutions and first class foreign bank guarantee
(i) Loan against Govt. Bonds Base Rate + 0.50 to 6.00
(ii) Loan against Fixed Deposits/Other local currency Deposit of BOK Base Rate + Upto 6.00
(iii) Loan against Fixed Deposits of other Financial Institutions Base Rate + 0.50 to 6.00
(iv) Loan against Foreign Currency Deposits Base Rate + 0.50 to 6.00
v) Loan against First Class Foreign Bank Guarantee Base Rate + 0.75 to 6.00
6. Other Loans
(i) Gold / Ornaments Financing (against Pledge) Base Rate + 1.00 to 6.00
(ii) Loan Against Shares Base Rate + 0.50 to 6.00
(iii) Personal Loan Base Rate + 1.00 to 6.00
7. Unarranged Loans/Forced Loans and uncollected dues Base Rate + 6.00
8. Foreign Currency Loans  
(i) USD Loan LIBOR + 1.50 to 4.00
(ii) Other Foreign Currency Loan 3.00 to 7.00

Base Rate as of Jestha 2075 : 10.53%

Interest Rate Spread as of Jestha 2075 : 4.59%

Notes: 

1. Terms and Conditions for above Deposits will be as per the Bank's Rule and informations can be obtained from Bank's Branch Office.
2. Structured Fixed Deposits will be applicable for bulk deposits of individuals and other customers.
3. Interest will be paid Quarterly for Fixed Deposits.
4. Interest Rates on Foreign Currency Deposits will be provided based on International Market.
5. Interest Rate on Wholesale Financing to Micro Financing Institution and Yuwa Swarojgar Kosh will be on the basis of existing contract.
6. For Loans against Fixed Deposits, the applicable rates will be 2% over coupon rates of Fixed Deposits or interest rate as per 5(ii)/5(iii) whichever is higher.
7. Interest on Overdue Loan will be Applicable Loan Interest Rate plus 2% Penal Interest Rate.
8. Interest Rates on NRB Refinance Loans will be as stated by Nepal Rastra Bank
9. Interest Rates on Loans under Syndicated Finance will be as per the Syndicated Loan Agreement / Arrangement.

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