Loan and Advances

Interest Rate of Loan and Advances [ Effective From : 2020-01-30 ]
S.N. Account Type Rates Per Annum
CORPORATE/MID CORPORATE
1 Overdraft Base Rate + up to 6%
2 Trust Receipt/Packing Credit/Cash Credit/STL Base Rate + up to 6%
3 Fixed Term Loan/Project Loan/BGL Base Rate + up to 6%
4 Hire Purchase Base Rate + up to 6%
5 Stock Brocker's Financing Base Rate + up to 6%
SME
1 Overdraft Base Rate + 1% to 6%
2 Trust Receipt /Packing Credit/Cash Credit/STL Base Rate + 1% to 6%
3 Fixed Term Loan/Project Loan /BGL Base Rate + 1.5% to 6%
Retail & Others
1 Home Loan Base Rate + up to 5%
2 Auto Loan Base Rate + 1.5% to 5%
3 Mortgage Loan Base Rate + 2.5% to 6%
4 Education Loan Base Rate + 1.5% to 6%
5 Hire Purchase Base Rate + 2.5% to 6%
6 Global Small Business Loan Base Rate + 2%
7 Global Krishi Karja Base Rate + 4% to 6%
8 Loan against Share Base Rate + 1.25% to 6%
9 Special export Financing Base Rate + up to 4%
10 Loan against FCY deposit Base Rate + up to 2%
11 Loan against fixed deposit of own bank Plus 2% on coupon or Base Rate (which ever is higher)
12 Loan against Government Bond Base Rate of the bank +`1%
13 Microfinance Loan/Global Nari Karja Base Rate + 5% to 6%
14 Deprived Sector Loan (Institutional) Base Rate + 1% to 4%
15 Professional Loan Base Rate + 2.1% to 6%
16 Other Loan Base Rate + 5% to 6%
Base Rate of Poush End 2076 9.64%
* Conditions Apply

Note:
  • Lending rates shall be changed by the same percentage as change in the base rate of the bank published in the Bank's website, on a quarterly basis.
  • Rate on consortium financing will be decided by consortium.
  • Premium rate may be increased by 2% p.a. in the existing Premium rate in case the loan account falls under Watch-list category.
  • Penal charge/fee of +2% p.a. will be applied on the overdue amount/expired loan.
  • **Base rate plus 2% for Global Krishi Karja loan up to NPR 15 Lakhs.
  • Accidental Death Insurance facility is discontinued on Global Navaratna Bachat Khata w.e.f. from the interest rate notice published date.

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