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

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 (6.6 for renewal)

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



7.25


7.5

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

-
USD @ 6 months LIBOR + 4%


GBP @ 2.5 %

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.

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
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