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Interest Rates

Effective from January 15, 2022
S.N. Saving Deposit Interest Rate (% p.a.)
1 Siddhartha Remit Account 6.05
2 Siddhartha Professional Account 5.05
3 Siddhartha Sajilo Bachat Khata 5.05
4 Siddhartha Peacekeeping Savings 5.05
5 Siddhartha RF Saving 5.05
6 Siddhartha Gen-Z Saving 5.05
7 Siddhartha Jeevan Surakshya Bachat Khata 5.05
8 Siddhartha Platinum Saving 5.05
9 Siddhartha Super Salary 5.05
10 Siddhartha Mero Share Khata 5.05
11 Siddhartha Jestha Nagarik Bachat 5.05
12 Siddhartha Swornim Bachat 5.05
13 Siddhartha Bachat Account 5.05
14 Siddhartha Nari Bachat 5.05
15 Branchless Banking Account 5.05
16 Student Savings 5.05
17 Siddhartha Esewa Bachat Khata 5.05
18 Siddhartha Bal Bachat Khata 5.05
19 Siddhartha Social Security Saving 5.05
20 Siddhartha Horizon Platinum Saving 5.05
21 Siddhartha Priority Saving Account 5.05
Call Deposit (NPR) upto 2.525
S.N Fixed Deposit Interest Rate (% p.a.)
1

Individual

Tenure : 3 months & above

Siddhartha Samriddhi Nichhep Yojana (Recurring Deposit)

Tenure: For 5 Years

Tenure: For 10 Years

 



10.05




8.44

8.75

 

2

Institutions

Tenure : 3 months & above

 

9.05

  Foreign Currency Deposit Interest Rate (% p.a.)
1 Siddhartha USD Savings 2
2 Siddhartha Remit USD Savings 2
3 Siddhartha USD Call Deposit Negotiable
4 Siddhartha USD Fixed Deposit (For 1 year) Negotiable
5 Siddhartha GBP Savings 0.5 
6 Siddhartha Euro Savings 0.5
7 Other FCY Deposit & Fixed Deposits Negotiable
8

Siddhartha Special FCY Fixed Deposit Account

- For NRNs and Foreign Institutions

- Minimum balance USD 5,000 or equivalent

- Tenure : 1 year & above

 

USD @ 3.25%

EUR @1.50%

GBP @ 2.00%

AUD @ 2.00%

CAD @ 2.00%

JPY @ 1.50%

CNY @ 2.00%

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 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%
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 5%
FCY Loan Denominated in USD   LIBOR 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 1 crore (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 9.49 10.49 11.25
Home Loan Above 15 Million 9.75 10.75 11.5
Mortgage Loan 11.5 12.5 12.75
Professional Loan 10.99    
Education Loan 10.99 11.49 11.99
  Upto 5 Years Above 5 years  
Hire Purchase Loan 11.25 11.49  
  Upto 5 Years Above 5 years  
Auto Loan 9.99 10.49  
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
11 to 11.99 12 to 13.99 13 to 13.99
Quarterly Average Base Rate - 1st Quarter of FY 2078/79    7.09%
Mangsir 2078 Base Rate  8.44%
Mangsir 2078 Interest Spread Rate 2.69%
  • 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.
  • Penal Interest 2% per annum.
  • Fixed Interest Rates for individual term loan shall be reviewed periodically as permitted by NRB.
  • Renewal Rate for Fixed Deposit through bidding will be 0.1% p.a. above the published rate.
  • Fixed Deposit rate for Remittance +1%  above the published rate.
  • Interest posting frequency for Savings, Fixed and Call Deposit will be quarterly.