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

Interest Rates


Effective from November 28, 2019
DEPOSITS
Saving Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Platinum Saving 6.5
Siddhartha Super Salary 6.5
Siddhartha Mero Share Khata 5.5
Siddhartha Jestha Nagarik Bachat
5.5
Siddhartha Swornim Bachat
5.5
Siddhartha Bachat Account
5.5
Siddhartha Nari Bachat
5.5
Branchless Banking Account 5.5
Student Savings 5.5
Siddhartha Esewa Bachat Khata 5.5
Siddhartha Bal Bachat Khata 5.5
Siddhartha Remit Account 5.5
Siddhartha RF Saving 5.5
Siddhartha Sajilo Bachat Khata 6.5
Siddhartha Peacekeeping Savings 6.5

Siddhartha Jeevan Surakshya Bachat Khata

(Minimum Balance Rs. 20,000/-)

6.5
Siddhartha Professional Saving 6.5
Fixed Deposit Interest Rate (% p.a.)

Institutions

Tenure : 3 months & above

  8.5 (8.6 for renewal)

Individual

Tenure : 3 months & above

9.25
 

Foreign Currency Deposit

Interest Rate (% p.a.)
Siddhartha USD Savings 2.75
Siddhartha Remit USD Savings 2.75
Siddhartha USD Call Deposit Negotiable
Siddhartha USD Fixed Deposit (For 1 year) 3.5
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 @ 5.25

- GBP @ 3.25

- EUR @ 2.25

Other terms & conditions of the deposits 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%

Siddhartha Personal EMI Loan

Base Rate + upto 6%

Education Loan

Base Rate + upto 5.5%

Mortgage Loan 

Overdraft

Base Rate + upto 6%

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 higher

Fixed Deposit (Others)

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

Foreign Currency Deposits at SBL

Base Rate + up to 3%
Government Bonds  

Coupon rate +2% to 5% or Base Rate +1% whichever 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 6%

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 6%
Agriculture & small business loan upto Rs 1.5 million (as prescribed by NRB) Base Rate +2%

Others

Base Rate +upto 6% 

Ashwin 2076 Base Rate


10.02%
Ashwin 2076 Interest Spread Rate
5.17%

Note:

  1. Interest on FCY Loans (Pre Shipment, Post Shipment, Industrial Import) shall be as prescribed by NRB from time to time.
  2. 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.
  3. In case of loans approved under NRB refinance, interest rates shall be applicable as per NRB directives.
  4. In case of loans eligible under interest subsidy, premium rates shall be applicable as per the circulars issued by NRB.
  5. An additional risk premium up to 2% p.a. may be charged to Watch List accounts over the prevailing rate.
  6. An additional risk premium up to 2% shall be charged on overdue amount and expired loan.

As of December 16, 2019 10:11:51

Currency Unit Buying Selling
Cash Other
GBP 1 149.95 150.71 152.52
USD 1 112.44 113 113.6
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