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You Are Here: Home » Publications » Rates & Charges » Interest Rates

Interest Rates


With effect from June 27, 2017


Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Bachat   6
Siddhartha Bal Bachat   6
Siddhartha Bishesh Bachat   6
Siddhartha eSewa Bachat   6
Siddhartha Insurance Bachat
  6
Siddhartha Kantipur Savings
  6
Siddhartha Mega Savings   6
Siddhartha Nari Bachat
  6
Siddhartha Branchless Banking
  6
Siddhartha Investors' Savings
  6
Siddhartha Jestha Nagarik Bachat
  6
Siddhartha Remit
  6
Siddhartha Super Salary
  6
Siddhartha Students Savings
  6
Siddhartha Hello Paisa Bachat   6
Siddhartha Sarvottam Bachat   6.25
Siddhartha Swornim Bachat   8
 
With effect from January 27, 2017

 Normal Fixed Deposits

Institutional        

(% p.a.)

Others

 (% p.a.)

3 months - below 6 months 1.5 2
6 months - below 1 year 2.5 3
1 year  5.5 5.75
Above 1 year 6 6.25

Fixed Deposit Interest Rate (% p.a.)

Siddhartha Premium Muddati Khata (2 years)

7 *

With effect from July 26, 2017

 

Siddhartha Awakash Muddati Khata (1 year)

(For Individuals above 40 years)

10
 
With effect from May 25, 2017
Siddhartha 180 Days Fixed Deposit 10 *
With effect from July 26, 2017
Structured Fixed Deposit :
6 months to 1 year 11*


*The above rates are not applicable to Institutional Customers as defined by NRB

Other terms & conditions of the deposits products remain unchanged

With effect from June 21, 2016
Foreign Currency Deposits
Deposits Interest Rate (% p.a.)
Siddhartha USD Savings 1
Siddhartha Remit USD Savings 1.25
Siddhartha GBP Savings 0.5
Siddhartha Euro Savings 0.5
Other FCY Deposit & Fixed Deposits available on request


Loans and Advances             
With effect from July 19, 2017

Description    % p.a
Overdraft/Cash Credit    

Industry/Trading

Base Rate + upto 4.5 %
Import Loan

Industry/Trading

Base Rate + upto 3.5%
Working Capital Loan

Industry/Trading

Base Rate + upto 3.5%
Short Term Loan

Industry/Trading

Base Rate + upto 3.5%
Term Loan

Industry/Trading

Base Rate + upto 5%

Bridge Gap Loan

Base Rate + upto 5%

Home Loan

Base Rate + upto 5%

Auto Loan/Hire Purchase Loan

Base Rate + upto 5%

Siddhartha Personal EMI Loan

Base Rate + upto 6%

Education Loan

Base Rate + upto 5.5%

Mortgage Loan 

Overdraft

Base Rate + upto 5.5%

Term Loan/Short Term Loan

Base Rate + upto 5%

Export Finance 


Against USD LC

Base Rate +upto 3.5%

Against NPR & other currency LC

Base Rate + upto 4%

Against USD export documents

Base Rate + upto 4%

Against NPR & other curreny export documents

  Base Rate +upto 4.5%
Loan Against :
Fixed Deposit (Own)

 

Coupon rate +1.5% to +3% or Base Rate whichever higher

Fixed Deposit (Others)

Coupon rate +2% to +5% or Base Rate whichever higher

Foreign Currency Deposits at SBL

Base Rate + up to 3%
Government Bonds  

Coupon rate +2% to 5% or Base Rate whichever higher

First Class Bank Guarantees

Base Rate + upto 4%

Other Bank Guarantees

Base Rate + upto 4.5%

Loan against Shares

Base Rate +upto 6%

FCY Loan Denominated in USD

  LIBOR plus mutually agreed premium

Consortium Loan

As per consortium decision

Deprived Sector

(MFI & NMFC)

Base Rate + upto 4%

Deprived Sector

(Direct Lending)

Base Rate + upto 6%

Others

Base Rate +upto 6% 

Asadh 2074 Base Rate


10.38%
 

Note:

  1. Above rates may not be applicable for default accounts
  2. The effective applicable interest rates on loans shall be automatically revised with effect from the first working day of Shrawan, Kartik, Magh and Baisakh each year as triggered by the change in the Base Rate published by the Bank on each previous quarter end.
  3. In case of loans against NRB refinance, interest rates shall be applicable as per NRB Guidelines
  4. An additional risk premium up to +2 % may be charged to watch list accounts

As of July 27, 2017 10:17:10

Currency Unit Buying Selling
Cash Other
GBP 1 133.3 133.97 135.31
USD 1 101.79 102.3 102.9
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