Interest Rates

Deposit and Lending Interest Rates with effect from March 14, 2024 (Chaitra 01, 2080)

  Deposit and Lending Interest Rates with effect from March 14, 2024 (Chaitra 01, 2080)
Product Rate Saving Deposit Interest Rate(% p.a) Min. Balance
  Prabhu Foreign Unnati Savings (Remittance) 6.00% 0
  Prabhu Unnati Savings (Remittance) 6.00% 0
  Prabhu Shramik Bachat Khata 6.00% 0
  Prabhu Visistha Savings 5.00% 0
{{salary-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{no}} Prabhu Salary Savings 3.00% 0
{{special-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{no}} Prabhu Special Savings 3.00% 0
{{foreign-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{yes}} Prabhu Foreign Savings 3.00% 0
{{asirbad-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{no}} Prabhu Ashirbad Bachat 3.00% 0
{{goodluck-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{no}} Prabhu Goodluck Savings 3.00% 0
  Prabhu Chetana Bachat Khata 3.00% 100
{{welcome-savings}}-{{3.00;3.00;NRs. 0;Quarterly}}-{{yes}} Prabhu Welcome Savings 3.00% 0
  Prabhu Muaabja Saving 3.00% 0
{{khutruke-savings}}-{{3.00;3.00;NRs. 1000;Quarterly}}-{{yes}} Prabhu Khutruke Savings 3.00% 1000
  Prabhu Senior Citizens Savings 3.00% 1000
  Prabhu G2P Savings 3.00% 0
{{normal-saving}}-{{3.00;3.00;NRs. 1000;Quarterly}}-{{yes}} Prabhu Normal Savings 3.00% 1000
  Prabhu Online Trading Savings 3.00% 0
  Prabhu Student Savings 3.00% 100
  Prabhu Anudhan Khata 3.00% 0
  Prabhu Shatabdi Saving 5.00% 25000
  Prabhu Hybrid Savings 5.00% 0
  Prabh Nari Saving 3.00% 0
  Prabhu Call Deposit(NPR) Up to 1.50%  0
   
LCY Fixed Deposit Rates
Institutional  
6 Months to 12 Months 5.000%
12 Months to 5 years 5.500%
Above 5 years 6.500%
Individual  
3 Months  to 5 Months 6.000%
6 Months to 12 Months 6.500%
12 Months to 5 years 7.500%
Above 5 years 7.500%
Swarnim Muddati*(For individul only)  
5 Years 7.500%
Prabhu Unnati Muddati* (Remittance)  
3 Months to above 5 years 8.500%
Prabhu Recurring Fixed Deposit*  
6 Months to 12 Months 6.500%
12 Months to 5 years 7.500%
Above 5 years 7.500%
Prabhu Hybrid Bachat Khata(Fixed Deposit)  
12 Months to above 5 years 7.500%
FCY Deposits    
Currencies Minimum Balance  Saving Deposit Fixed Deposit 6 Months and Above (Institutional) Fixed Deposit 3 months and above (Individual) Call Deposit
US Dollar (USD) 50.00 3.00% 4.00% 4.00% 1.500%
Euro (EUR) 50.00 2.00 % 3.00% 3.00% 1.000%
Great Britain Pound (GBP)

50.00

2.00% 3.50% 3.50% 1.000%
Australian Dollar (AUD)

50.00

2.50% 3.50% 3.50% 1.250%
Japanese Yen (JPY) 50.00 1.50% 2.25% 2.25% 0.750%
Chinese Yuan (CNY) 50.00 2.75% 3.75% 3.75% 1.375%
Prabhu NRN and Foreign Institutional  FCY Deposit Rate
(1 Year and Above) Minimum Balance Fixed Deposit 1 year and above  Saving Deposits  Foreign Institutional Fixed Deposit 1 year and above
USD Dollar (USD) USD 1,000.00  4.00% 3.00% 4.00%
Euro (EUR) USD 1,000.00 Equivalent 3.00%  2.00% 3.00%
Great Britain Pound (GBP) 3.50% 2.00% 3.50%
Australian Dollor (AUD) 3.50% 2.50% 3.50%
Japanese Yen (JPY) 2.25% 1.50% 2.25%
Chinese Yuan (CNY) 3.75% 2.75% 3.75%
Loan and Advances         Minimum Premium (% p.a.) on Base Rate                        Maximum Premium (% p.a.) on Base Rate                                           
Export Credit 1.00 3.00
Cash/Cash Eqv. Secured Minimum Premium (% p.a. ) on Base Rate                         Maximum Premium (% p.a.) on Base Rate                                         
Against Own FDR/Cash

Base Rate or Coupon Rate whichever is higher plus 2.00

 

Base Rate or Coupon Rate whichever is higher plus 2.00

Against Govt  Bonds
Corporate/ Multinationals Minimum Premium (% p.a.) on Base Rate        Maximum Premium (% p.a.) on Base Rate                                                   
Trust Receipt/STL/ Import Loan 1.50 3.50
Demand Loan2.00 2.00 4.00
Bridge Gap Loan 3.00 5.00
Overdraft 2.00 4.00
Term Loan 2.00 4.00
Hire Purchase Loan 3.00 5.00
Loan Against Share 3.00 5.00
Prabhu SME Loan Minimum Premium (% p.a.) on Base Rate        Maximum Premium (% p.a.) on Base Rate                                                   
Trust Receipt/STL/ Import Loan 2.50 4.50
Demand Loan 3.00 5.00
Bridge Gap Loan 3.00 5.00
Overdraft 3.00 5.00
Term Loan 2.50 4.50
Hire Purchase Loan  3.00 5.00
Loan Against Share 3.00 5.00
Prabhu Sana Byabasaya Karja 1.30 3.30
Microfinance Loan
Direct Lending Minimum Premium (% p.a.) on Base Rate Maximum Premium (% p.a.) on Base Rate
Other Deprived Loan 2.00 4.00
Deprived Subsidized Loan - 2.00
Indirect/Corporate Lending Minimum Premium (% p.a.) on Base Rate  Maximum Premium (% p.a.) on Base Rate
Corporate - 2.00
Other Subsidized Loan Minimum Premium (% p.a.)  on Base Rate  Maximum Premium (% p.a.) on Base Rate
Other Subsidized Loan - 2.00
Consumer Loans Minimum Premium (% p.a.)  on Base Rate  Maximum Premium (% p.a.) on Base Rate
Prabhu Home Loan- Upto Rs. 15 mio **    
Upto 5 Years 2.50 4.50
Above 5 Years - 10 Years 2.75 4.50
Above 10 Years - 15 Years 3.00 4.50
Above 15 Years - 20 Years 3.25 4.50
Above 20 Years - 25 Years 3.50 4.50
Low Cost Housing 2.00 4.00
Education Loan 3.00 5.00
Prabhu Loan Against Property (PLAP) Minimum Premium (% p.a.)  on Base Rate   Maximum Premium (% p.a.) on Base Rate   
Term Loan 3.00 5.00
Individual Revolving Loan 3.00 5.00
Personal Auto Loan**                             Minimum Premium (% p.a.)  on Base Rate  Maximum Premium (% p.a.) on Base Rate
Upto 5 Years 2.00 4.00
Above 5 Years -8 Years 2.50 4.50
Hire Purchase Loan 3.00 5.00
Loan Against Share 3.00 5.00
Real Estate Loan 3.00 5.00
Gold Loan 3.00 5.00
Other Personal Loans 3.00 5.00
Consortium Lending As per consortium decision
FCY denominated Loan                            Negotiable                                                                                                                             
Fixed Lending Rates Up to 5 Years Above 5 years 
Home Loan 12.99% 13.99%
Auto Loan 13.50% 14.50%

*Condition apply, **Bucket Wise

Note:

1. The above interest rates are only indicative and subject to vary staying within the guidelines of NRB.

2. Penal interest of additional 2% p.a. will be applied on the overdue amount or expired loan.

3. Additional 2% premium may be charged incase of watchlist and other degraded account including 3rd party collateral based loans.

4. Bills Under import LC(BLC) and other forced loan will attract additional 2% p.a. on above highest interest premium plus base rate.

5. As per Product Paper.

6.  Interest rates of similar loan products shall be as per NRB guidelines. 

7. Interest rate on lending shall be applicable to new loan.