Wednesday October 21, 2020
वि.सं २०७७ कार्तिक ०५ बुधबार
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ब्याज दर

Interest Rate Effective From 2077/07/01

INTEREST RATE ON DEPOSIT

PRODUCT INFO PRODUCT INTEREST RATE(PER ANNUM) PAYMENT ON MINIMUM BALANCE
{{normal-saving-account}}-{{4.0;4.0;NRs. 500;Quaterly Basis}}-{{yes}} 1. Normal Saving 4.00% Quarterly Basis Rs. 500
{{muktinath-premium-bachat}}-{{4.5;4.5;NRs. 1000;Quaterly Basis}}-{{yes}} 2. Muktinath Premium Bachat 4.50% Quarterly Basis Rs. 1000
  3.Muktinath Special Premium Bachat 4.50% Quarterly Basis Rs. 2000
{{muktinath-super-premium-saving-account}}-{{5.50;5.50;NRs. 5000;Quaterly Basis}}-{{yes}} 4. Muktinath Super Premium Bachat 5.50% Quarterly Basis Rs. 5000
  5.Current Account - - Rs. 5000
  6.Current Account Other * - - Rs. 1000
{{mahila-pewa-bachat-khata}}-{{4.5;4.5;Nrs. 500;Quaterly Basis}}-{{yes}} 7.Mahila Pewa Bachat 4.50% Quarterly Basis Rs. 500
{{sunaulo-bal-bachat}}-{{4.5;4.5;Nrs. 0;Quaterly Basis}}-{{yes}} 8.Sunaulo Bal Shichha Bachat 4.50% Quarterly Basis -
  9. Baidesik Rojgar Bachat 4.50% Quarterly Basis Rs. 500
  10. Micro Personal Saving 4.50% Quarterly Basis Rs. 100
  11. Other Micro Savings 4.50% Quarterly Basis Rs. 100
{{karmachari-bachat}}-{{4.5;4.5;Nrs. 100;Quaterly Basis}}-{{yes}} 12. Karmachari Bachat 4.50% Quarterly Basis -
{{sharedhani-bachat-khata}}-{{4.5;4.5;Nrs. 100;Quaterly Basis}}-{{yes}} 13. Sharedhani Bachat Khata 4.50% Quarterly Basis Rs. 100
  14. Beema Bachat 4.50% Quarterly Basis Rs. 100
  15. Provident Fund Account 4.50% Quarterly Basis -
  16. Samajik Surakchha Bhatta Khata 4.50% Quarterly Basis -
  17. Aatmanirbhar Bachat Khata 4.50% Quarterly Basis -
{{sajilo-bachat-khata}}-{{4.5;4.5;Nrs. 0;Quaterly Basis}}-{{yes}} 18. Sajilo Bachat 4.50% Quarterly Basis -
{{mero-pahilo-bachat-khata}}-{{5.0;5.0;Nrs. 0;Quaterly Basis}}-{{yes}} 19. Mero Pahilo Bachat Khata 4.50% Quarterly Basis -
  20. Muktinath PMS Khata 4.50% Quarterly Basis Rs.100
  21. Muktinath Jeevan Bardan Bachat Khata 4.75% Monthly Basis Rs.5000
  22.Muktinath Jeevan Bardan Plus Bachat Khata 4.75% Monthly Basis Rs.5000
  23.Muktinath Jeevan Bardan Premium Bachat Khata 4.75% Monthly Basis Rs.5000
  24. Byaktigat Upalabdhi Khata  4.50% Quarterly Basis  
  25.Sansthagat Upalabdhi Khata Up to 2.000% Quarterly Basis  
  26. FCY Deposit ($,£,€) up to 1.50% Quarterly Basis  10
  27.Call Depost Account up to 2.00% Quarterly Basis  

 

FIXED DEPOSIT (Effective from 2077/07/01)

PRODUCT INTEREST RATE(PER ANNUM) PAYMENT ON MINIMUM BALANCE
1. Individual Fixed Deposit Product       
3 Months 7.00%  Quarterly Basis Rs.5000
6 Months 7.50%  Quarterly Basis Rs.5000
9 Months 8.00%  Quarterly Basis Rs.5000
1 Year 8.50%  Quarterly Basis Rs.5000
2 Years 9.00%  Quarterly Basis Rs.5000
3 Years 9.25%  Quarterly Basis Rs.5000
4 Years to 5 Years 9.75%  Quarterly Basis Rs.5000
2. Institutional Fixed Deposit Product      
6 Months 6.50%  Quarterly Basis Rs.5000
9 Months 7.00%  Quarterly Basis Rs.5000
1 Year 8.00%  Quarterly Basis Rs.5000
2 Years 8.50%  Quarterly Basis Rs.5000
3 Years 9.00%  Quarterly Basis Rs.5000
4 Years to 5 Years 9.50%  Quarterly Rs.5000
3.Muktinath Pension Scheme 10.00%  Monthly/Quarterly Rs.50
4.Recurring Deposit 7.00% to 10.00%  Monthly/Quarterly Rs.500


LOAN AND ADVANCE

A.Loan with Floating Interest Rates

PRODUCT FLOATING INTEREST BAND
1. Business Loan Base Rate + Premium up to 4.50%
2. Agriculture Loan Base Rate + Premium up to 4.50%
3. Home Loan (new construction & purchase) Base Rate + Premium up to 4.50%
4. Home Equity Loan Base Rate + Premium up to 4.50%
5. Auto Loan Base Rate + Premium up to 5.00%
6. Hirepurchase Loan(new) Base Rate + Premium up to 5.00%
7. Hirepurchase Loan(old) Base Rate + Premium up to 5.00%
8. Real Estate Loan Base Rate + Premium up to 5.00%
9. Personal Loan Base Rate + Premium up to 5.00%
10.Share Loan Base Rate + Premium up to 4.50%
11.Mortgage Loan Base Rate + Premium up to 5.00%
12.Professional Loan Base Rate + Premium up to 4.50%
13. Muktinath Sulav Byawasaya Karja Base Rate + Premium up to 4.50%
14. Consumer Loan Base Rate + Premium up to 5.00%
15. Gold Loan Base Rate + Premium up to 4.50%
16. Other Loans Base Rate + Premium up to 5.00%
17. Small & Micro Credit (Retail) Base Rate + Premium up to 5.50%
18. Small & Micro Credit (wholesale) Base Rate + Premium up to 2.00%
19. Loan Against Fixed Deposit (upto 90.00%) Coupon Rate Plus 2.00% or Base Rate whichever is higher

B.Fixed Interest Rate for Term Loan of Individual above 1 Year (As per NRB Unified Directive 15/077, clause number 14)

B.1. For  Normal Individual Term Loan
SN Time Period Interest Rate Per Annum
1 Up to 5 Years up to 14.00%
2 More than 5 Years up to 10 Years up to 14.25%
3 More than 10 Years up to 14.50%
B.2. For  Micro Finance Individual Term Loan
SN Time Period Interest Rate Per Annum
1 Up to 5 Years up to 14.50%
2 More than 5 Years up to 10 Years up to 14.75%
3 More than 10 Years up to 15.00%
Base Rate as of Bhadra,2077 9.36%

C. Other Information

i. The fixed interest rate for individual term loan of above 1 year shall remain unchanged for the entire tenure of the loan.
ii. Interest rate applicable on forced loan may vary with risk premium from the published rate.
iii. Interest rate in consortium financing shall be as decided by consortium.
iv. Interest rate in NPA accounts may vary from the published rate.
v. Penal interest of plus 2.00% per annum will be applied on overdue amount.