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

Interest Rates

 

With effect from October 25, 2016

 

Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Bachat 1.5
Siddhartha Bal Bachat 3
Siddhartha Nari Bachat 3
Siddhartha Bishesh Bachat 1.5
Siddhartha Mega Savings 1.5
Siddhartha Branchless Banking 3.5
Siddhartha Kantipur Savings 1.5
Siddhartha Investor's Savings 3.5
Siddhartha Students Savings 3.5
Siddhartha Super Salary  3.5
Siddhartha Remit 3.5
Siddhartha Jestha Nagarik Bachat 3.5
Siddhartha Sarvottam Bachat 3.5
Siddhartha Insurance Bachat 2
Siddhartha Hello Paisa Bachat 2
Siddhartha eSewa Bachat  1.5
 
With effect from February 9, 2016

 Fixed Deposits

Institutional        

(% p.a.)

Others

 (% p.a.)

3 months - below 6 months 1.5 2
6 months - below 1 year 2.5 3
With effect from October 25, 2016
1 year  5.5 5.75
Above 1 year 6 6.25
 
With effect from October 25, 2016
Fixed Deposit Interest Rate (% p.a.)
Siddhartha Awakash Muddati Khata (1 year) 6.5
Siddhartha Premium Muddati Khata (2 years) 7
   
                                           With effect from December 14, 2016  
Siddhartha 180 Days Fixed Deposit 8
   
                                           With effect from January 20, 2017  
Structured Fixed Deposit :  
1 Year & Above 8.5
   
Note: The above rates for Siddhartha 180 Days Fixed Deposit and Structured Fixed Deposit 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 October 25, 2016
 
Description  % p.a
Overdraft/Cash Credit Prime Others
Industry/Trading 8.5 - 9.5 11 - 12
Import Loan
Industry/Trading 7.5 - 8.5 9 - 11
Working Capital Loan
Industry/Trading 8 - 9 10 - 12.5
Short Term Loan
Industry/Trading 8 - 9 10 -12.5
Term Loan  
Industry/Trading 9 - 10 11.5 - 12.5
Home Loan 8.5 - 9.5 11 - 12.5
Auto Loan/Hire Purchase Loan 8.5 - 9.5 12 - 12.5
Siddhartha Personal EMI Loan 11 12.5
Education Loan 9.5 - 10.5 12.5
Mortgage Loan 
Overdraft 9.5 - 10.5 11.5 - 12.5
Term Loan/Short Term Loan 9 - 10 12.5
Export Finance   
Under L/C in USD 4 - 5 7 - 8
Under L/C in NPR 8 - 9 11 -12
Without L/C in USD 5 - 6 8 - 9
Without L/C in NPR 8.5 - 9.5  11.5 - 12.5
Loan Against :  
FD of SBL* 7- 9 7 - 9
Foreign Currency Deposits at SBL 7 - 9 9 - 10
FD of other Banks* 9 - 10 11 - 12
Government Bonds 8.5 - 9.5 10 - 11
First Class Bank Guarantees 8.5 - 9.5 10.5 - 11.5
Other Bank Guarantees 10 - 11 12.5
Loan against Shares 9 - 10.5 11 - 12
FCY Loan Denominated in USD 4 - 5 8 - 9
Consortium Loan As per consortium decision
Deprived Sector 4 - 7 9 - 11
Structured Loan 6 - 7 -
Others 11 - 12 12.5 
*or 3% above Fixed Deposit rate, whichever is higher
Note: Above rates may not be applicable for default accounts

As of January 20, 2017 10:21:53

Currency Unit Buying Selling
Cash Other
GBP 1 132.99 133.65 134.99
USD 1 108.06 108.6 109.2
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