EN
EN
NP

Interest Rates

Effective from September 17, 2022
S.N. Saving Deposit Interest Rate (% p.a.)
1 Siddhartha Platinum Plus Saving Account 9.133
2 Siddhartha Priority Saving Account 9.133
3 Siddhartha Professional Account 9.133
4 Siddhartha Horizon Platinum Saving 9.133
5 Siddhartha Remit Account 8.133
6 Siddhartha Sajilo Bachat Khata 7.133
7 Siddhartha Peacekeeping Savings 7.133
8 Siddhartha RF Saving 7.133
9 Siddhartha Gen-Z Saving 7.133
10 Siddhartha Jeevan Surakshya Bachat Khata 7.133
11 Siddhartha Platinum Saving 7.133
12 Siddhartha Super Salary 7.133
13 Siddhartha Mero Share Khata 7.133
14 Siddhartha Jestha Nagarik Bachat 7.133
15 Siddhartha Swornim Bachat 7.133
16 Siddhartha Bachat Account 7.133
17 Siddhartha Nari Bachat 7.133
18 Branchless Banking Account 7.133
19 Student Savings 7.133
20 Siddhartha Esewa Bachat Khata 7.133
21 Siddhartha Bal Bachat Khata 7.133
22 Siddhartha Social Security Saving 7.133
Call Deposit (NPR) upto 3.566
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 + upto 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 6%
FCY Loan Denominated in USD   Benchmark interest plus mutually agreed premium
Consortium Loan (Fixed & floating interest rate)   As per consortium decision
Deprived Sector Lending    
Wholesale Lending Base Rate + upto 6%
Direct Lending Base Rate + upto 6%
Loan upto Rs 2 crore (as prescribed by NRB) Base Rate + 2%
Others Base Rate + upto 6%
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 12.99 13.49 14.00
Home Loan Above 15 Million 12.99 13.49 14.00
Mortgage Loan 15.00 15.50 16.00
Professional Loan 14.00    
Education Loan 13.50 14.00 14.00
  Upto 5 Years Above 5 years  
Hire Purchase Loan 14.00 14.50  
  Upto 5 Years Above 5 years  
Auto Loan 13.50 14.00  
FIXED INTEREST RATE (% p.a.) FOR OTHER THAN INDIVIDUAL TERM LOANS
Upto 5 years Above 5 years to upto 10 years 10 to 15 years
13.5 to 13.99 14.0 to 14.99 14.5 to 15.0
Quarterly Average Base Rate - 4th Quarter of FY 2078/79    9.34%
Shrawan 2079 Base Rate  9.50%
Shrawan 2079 Interest Spread Rate 4.36%
S.N Fixed Deposit Interest Rate (% p.a.)
1

Individuals

Remittance

 

Tenure : 3 months & above

 

Siddhartha Samriddhi Nichhep Yojana (Recurring Deposit)

 

Tenure: For 5 Years

Tenure: For 10 Years

12.133

13.133

 

 

 

 

 

 

8.44

8.75

2

Institutions

 

Tenure: 3 months & above

 

Siddhartha Shree Briddhi Muddati Khata

 

For Individuals

For Institutions

For Remittance

 

 

10.133(+0.5 for bidding)

 

 

 

12.133

10.133

13.133

Interest Rate of Foreign Currency Deposit (% p.a.)
SN Currency Saving Deposit Fixed Deposit (Individual/Institutional) for 3 months & above Call Deposit
1 USD 5.50 7.15 50% of lowest saving deposit interest rate of respective currency
2 EUR 3.25 4.75
3 GBP 4.25 5.75
4 AUD 4.85 6.35
5 CAD 5.75 7.25
6 JPY 2.40 3.90
7 CNY 6.15 7.65
8 For Other Currencies Policy rate of respective currency plus 250 bps Policy rate of respective currency plus 400 bps
  • FCY Deposit for NRN & Remittance Customers +1 percent additional.
  • Other terms & conditions of the deposit products remain unchanged.
LOANS & ADVANCES   
Description   Interest Rate (% p.a.)
Overdraft/Cash Credit
Industry/Trading Base Rate + upto 6 %
Import Loan
Industry/Trading Base Rate + upto 6%
Working Capital Loan
Industry/Trading Base Rate + upto 6%
Short Term Loan    
Industry/Trading Base Rate + upto 6%
Term Loan
Industry/Trading Base Rate + upto 6%
Bridge Gap Loan Base Rate + upto 6%
Home Loan Base Rate + upto 6%
Auto Loan/Hire Purchase Loan Base Rate + upto 6%
Professional Loan Base Rate + upto 6%
Education Loan Base Rate + upto 6%
Mortgage Loan    
Overdraft Base Rate + upto 6%
Term Loan/Short Term Loan Base Rate + upto 6%
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%
  • 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 quarterly average base rate of the previous quarter.
  • In case of loans eligible under interest subsidy, premium rates shall be applicable as per the circulars issued by NRB.
  • In case of loans where fixed premium prescribed by NRB, such premium shall apply.
  • Penal Interest 2% per annum.
  • Fixed Interest Rates for individual term loan shall be reviewed periodically as permitted by NRB.
  • As per NRB regulation, Banks are allowed to change up to 10% in interest rates which comes in 3 decimals, which has been corrected as above. This will be efferctive from September 17, 2022 (Ashwin 1, 2079).