Interest Rates
| Effective from November 16, 2020 |
| DEPOSITS |
| Saving Deposit (NPR) | Interest Rate (% p. a.) | |
| Siddhartha Platinum Saving | 4 | |
| Siddhartha Super Salary | 4 | |
| Siddhartha Mero Share Khata | 2 | |
|
Siddhartha Jestha Nagarik Bachat |
2 | |
|
Siddhartha Swornim Bachat |
2 | |
|
Siddhartha Bachat Account |
2 | |
|
Siddhartha Nari Bachat |
2 | |
| Branchless Banking Account | 2 | |
| Student Savings | 2 | |
| Siddhartha Esewa Bachat Khata | 2 | |
| Siddhartha Bal Bachat Khata | 2 | |
| Siddhartha Remit Account | 2 | |
| Siddhartha RF Saving | 4 | |
| Siddhartha Sajilo Bachat Khata | 4 | |
| Siddhartha Peacekeeping Savings | 4 | |
|
Siddhartha Jeevan Surakshya Bachat Khata |
4 | |
| Siddhartha Professional Account | 4 | |
| Call Deposit | upto 0.5% | |
| Fixed Deposit (NPR) | Interest Rate (% p.a.) | |
|
Institutions Tenure : 3 months to upto 1 year Tenure : Above 1 year |
6.5 (7.1 for renewal) |
|
|
Individual Tenure : 3 months to below 6 months Tenure : 6 months to upto 1 year Tenure : Above 1 year |
8 |
|
|
Foreign Currency Deposit |
Interest Rate (% p.a.) | |
| Siddhartha USD Savings | 2 % | |
| Siddhartha Remit USD Savings | 2 % | |
| Siddhartha USD Call Deposit | Negotiable | |
| Siddhartha USD Fixed Deposit (For 1 year) | Negotiable | |
| Siddhartha GBP Savings | 0.5 % | |
| Siddhartha Euro Savings | 0.5 % | |
| Other FCY Deposit & Fixed Deposits | Negotiable | |
|
Siddhartha Special FCY Fixed Deposit Account - For NRNs and Foreign Institutions - Minimum balance USD 10,000 or equivalent - Tenure : 2 years & above |
-
EUR @ 2 % |
|
| Other terms & conditions of the deposit products remain unchanged. | ||
|
|
||
| LOANS & ADVANCES | ||
|
|
||
| Description | Interest Rate (% p.a.) | |
| Overdraft/Cash Credit | ||
|
Industry/Trading |
Base Rate | + upto 5 % |
| Import Loan | ||
|
Industry/Trading |
Base Rate | + upto 4% |
| Working Capital Loan | ||
|
Industry/Trading |
Base Rate | + upto 5% |
| Short Term Loan | ||
|
Industry/Trading |
Base Rate | + upto 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% |
|
Professional Loan |
Base Rate | + upto 5% |
|
Education Loan |
Base Rate | + upto 5% |
|
Mortgage Loan |
||
|
Overdraft |
Base Rate | + upto 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 + 1% whichever is higher |
| Fixed Deposit (Others) |
|
Coupon rate +2% to 5% or Base Rate +2% whichever is higher |
|
Foreign Currency Deposits at SBL |
Base Rate | + up to 3% |
| Government Bonds |
Coupon rate +2% to 5% or Base Rate +1.5% whichever is higher |
|
|
First Class Bank Guarantees issued by Foreign Banks |
Base Rate | + upto 4% |
|
Other Bank Guarantees issued by Foreign Banks |
Base Rate | + upto 4.5% |
|
Loan against Shares |
Base Rate | +upto 5% |
|
FCY Loan Denominated in USD |
LIBOR plus mutually agreed premium | |
| Consortium Loan | As per consortium decision | |
|
Deprived Sector Lending: |
||
|
Wholesale Lending |
Base Rate | + upto 4% |
|
Direct Lending |
Base Rate | + upto 5% |
| Loan upto Rs 1.5 million (as prescribed by NRB) | Base Rate | +2% |
|
Others |
Base Rate | +upto 5% |
| FIXED INTEREST RATE (% p.a.) FOR INDIVIDUAL TERM LOANS | |||
| Types of Loan | Upto 5 years | Above 5 years to upto 10 years | Above 10 years |
|---|---|---|---|
| Home Loan Upto 15 Million | 8.99% to 9.99% | 9.25% to 9.99% | 9.5% to 10.50% |
| Home Loan Above 15 Million | 8.99% to 9.99% | 9.50% to 9.99% | 9.99% to 10.75% |
| Mortgage Loan | 9.25% to 9.99% | 9.50% to 10.50% | 10.50% to 11.50% |
| Professional Loan | 9.25% to 9.99% | ||
| Education Loan | 9.99% | 10.50% | 10.99% |
| Others | 10.99% | 11.50% | 11.99% |
|
Hire Purchase Loan |
Upto 5 Years |
Above 5 Years |
|
| 9.99% to 10.99% | 10.99% to 11.99% | ||
|
Auto Loan |
Upto 5 Years |
Above 5 Years |
|
| 8.99% to 9.99% | 9.50% to 10.99% | ||
|
Ashwin 2077 Base Rate |
8.10% | |
| Ashwin 2077 Interest Spread Rate | 4.38% | |
|
Note: 1. The effective applicable interest rates on loans is subject to change with effect from the first day of Shrawan, Kartik, Magh and Baisakh as triggered by the change in the Base Rate of the Bank on each previous quarter end. 2. In case of loans approved under NRB refinance, interest rates shall be applicable as per NRB directives. 3. In case of loans eligible under interest subsidy, premium rates shall be applicable as per the circulars issued by NRB. 4. An additional risk premium up to 2% p.a. may be charged to Watch List accounts over the prevailing rate. 5. An additional risk premium up to 2% shall be charged on overdue amount and expired loan. |
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As of December 3, 2020 04:19:49
| Currency | Unit | Buying | Selling | |
|---|---|---|---|---|
| Cash | Other | |||
| GBP | 1 | 156.79 | 157.58 | 159.47 |
| USD | 1 | 117.36 | 117.95 | 118.55 |
. Developed By Intellisoft Nepal
