| Effective from September 18, 2023 |
| S.N. | Saving Deposit | Interest Rate (% p.a.) |
| 1 | Siddhartha Sajilo Bachat Khata | 5.00 |
| 2 | Siddhartha Peacekeeping Savings | 5.00 |
| 3 | Siddhartha RF Saving | 5.00 |
| 4 | Siddhartha Gen-Z Saving | 5.00 |
| 5 | Siddhartha Jeevan Surakshya Bachat Khata | 5.00 |
| 6 | Siddhartha Platinum Saving | 5.00 |
| 7 | Siddhartha Super Salary | 5.00 |
| 8 | Siddhartha Mero Share Khata | 5.00 |
| 9 | Siddhartha Jestha Nagarik Bachat | 5.00 |
| 10 | Siddhartha Bachat Account | 5.00 |
| 11 | Siddhartha Nari Bachat | 5.00 |
| 12 | Branchless Banking Account | 5.00 |
| 13 | Student Savings | 5.00 |
| 14 | Siddhartha Esewa Bachat Khata | 5.00 |
| 15 | Siddhartha Bal Bachat Khata | 5.00 |
| 16 | Siddhartha Social Security Saving | 5.00 |
| 17 | Siddhartha Pay and Save Account (Parents) | 5.00 |
| 18 | Siddhartha Pay and Save Account (Child) | 6.00 |
| 19 | Siddhartha Remit Account | 6.00 |
| 20 | Siddhartha Platinum Plus Saving Account | 7.00 |
| 21 | Siddhartha Priority Saving Account | 7.00 |
| 22 | Siddhartha Professional Account | 7.00 |
| 23 | Siddhartha Horizon Platinum Account | 7.00 |
| 24 | SBL Premium Remit Saving Account | 9.00 |
| Call Deposit (NPR) | up to 2.5 | |
| Loan Against | ||
| Fixed Deposit (Own) | Coupon rate +up to 3% or Base Rate + up to1% 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 | + up to 4% |
| Other Bank Guarantees issued by Foreign Banks | Base Rate | + up to 4.5% |
| Loan against Shares | Base Rate | + up to 4.5% |
| 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 | + up to 4.5% |
| Direct Lending | Base Rate | + up to 4.5% |
| Loan upto Rs 2 crore (as prescribed by NRB) | Base Rate | + 2% |
| Others | Base Rate | + up to 4.5% |
| FIXED INTEREST RATE (% p.a.) FOR INDIVIDUAL TERM LOANS | ||
| Types of Loan | Up to 5 years | Above 5 years to upto 10 years | Above 10 years |
| Home Loan | 10.99 | 11.49 | 12.00 |
| Mortgage Loan | 13.00 | 13.50 | 13.50 |
| Professional Loan | 13.00 | ||
| Education Loan | 12.50 | 13.00 | 13.00 |
| Upto 5 Years | Above 5 years | ||
| Hire Purchase Loan | 13.00 | 13.50 | |
| Upto 5 Years | Above 5 years | ||
| Auto Loan | 12.50 | 13.00 | |
| Siddhartha Hamro Ghar Karja | 10.99% p.a. and 10.74% p.a for women ( Fixed for 7 years) | ||
| Electric Vehicle | 11.25% | ||
| 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 | |
| 11.5 to 12.00 | 12.00 to 12.50 | 12.50 to 13.00 | |
| Average Base Rate of Preceding 3 months | 9.90% |
| Shrawan 2080 Base Rate | 9.72% |
| Shrawan 2080 Interest Spread Rate | 4.00% |
| S.N | Fixed Deposit (NPR) | Interest Rate (% p.a.) | |
| 1 | Individuals | ||
| 3 months and above | 9.99 | ||
| 2 | Remittance | ||
| 3 months and above | 10.99 | ||
| 3 | Siddhartha Samriddhi Nichhep Yojana (Recurring Deposit) | ||
| Tenure: For 5 Years | 8.44 | ||
| Tenure: For 10 Years | 8.75 | ||
| 4 |
Institutions |
||
|
6 months and above
|
7.99
|
(+0.5 for bidding) | |
| Interest Rate of Foreign Currency Deposit (% p.a.) | |||
| SN | Currency | Saving Deposit | Fixed Deposit | Call Deposit |
| Individual/Institutional (6 months and above) |
||||
| 1 | USD | 5.75 | 6.75 |
Up to 50% of lowest saving deposit interest rate of respective currency |
| 2 | EUR | 3.00 | 4.00 | |
| 3 | GBP | 3.50 | 4.25 | |
| 4 | AUD | 3.00 | 3.75 | |
| 5 | CAD | 4.00 | 4.50 | |
| 6 | JPY | 0.50 | 0.50 | |
| 7 | CNY | 3.00 | 3.50 | |
| 8 | For Other Currencies | Policy rate of respective currency plus 50 bps | ||
|
||||
| LOANS & ADVANCES | ||
| Description | Interest Rate (% p.a.) | |
| Overdraft/Cash Credit | ||
| Industry/Trading | Base Rate | + up to 4.5 % |
| Import Loan | ||
| Industry/Trading | Base Rate | + up to 4.5% |
| Working Capital Loan | ||
| Industry/Trading | Base Rate | + up to 4.5% |
| Short Term Loan | ||
| Industry/Trading | Base Rate | + up to 4.5% |
| Term Loan | ||
| Industry/Trading | Base Rate | + up to 4.5% |
| Bridge Gap Loan | Base Rate | + up to 4.5% |
| Home Loan | Base Rate | + up to 4.5% |
| Auto Loan/Hire Purchase Loan | Base Rate | + up to 4.5% |
| Professional Loan | Base Rate | + up to 4.5% |
| Education Loan | Base Rate | + up to 4.5% |
| Mortgage Loan | ||
| Overdraft | Base Rate | + up to 4.5% |
| Term Loan/Short Term Loan | Base Rate | + up to 4.5% |
| Export Finance | ||
| Against USD LC | Base Rate | +up to 3.5% |
| Against NPR & other currency LC | Base Rate | + up to 4% |
| Against USD export documents | Base Rate | + up to 4% |
| Against NPR & other curreny export documents | Base Rate | + up to 4.5% |
