| Effective from May 15, 2023 |
| S.N. | Saving Deposit | Interest Rate (% p.a.) |
| 1 | Siddhartha Platinum Plus Saving Account | 7.40 |
| 2 | Siddhartha Priority Saving Account | 7.40 |
| 3 | Siddhartha Professional Account | 7.40 |
| 4 | Siddhartha Horizon Platinum Saving | 7.40 |
| 5 | Siddhartha Pay and Save Account (Child) | 6.40 |
| 6 | Siddhartha Remit Account | 6.40 |
| 7 | Siddhartha Sajilo Bachat Khata | 5.40 |
| 8 | Siddhartha Peacekeeping Savings | 5.40 |
| 9 | Siddhartha RF Saving | 5.40 |
| 10 | Siddhartha Gen-Z Saving | 5.40 |
| 11 | Siddhartha Jeevan Surakshya Bachat Khata | 5.40 |
| 12 | Siddhartha Platinum Saving | 5.40 |
| 13 | Siddhartha Super Salary | 5.40 |
| 14 | Siddhartha Mero Share Khata | 5.40 |
| 15 | Siddhartha Jestha Nagarik Bachat | 5.40 |
| 16 | Siddhartha Bachat Account | 5.40 |
| 17 | Siddhartha Nari Bachat | 5.40 |
| 18 | Branchless Banking Account | 5.40 |
| 19 | Student Savings | 5.40 |
| 20 | Siddhartha Esewa Bachat Khata | 5.40 |
| 21 | Siddhartha Bal Bachat Khata | 5.40 |
| 22 | Siddhartha Social Security Saving | 5.40 |
| 23 | Siddhartha Pay and Save Account (Parents) | 5.40 |
| Call Deposit (NPR) | upto 2.70 | |
| 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 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 | + upto 4,5% |
| Direct Lending | Base Rate | + upto 4.5% |
| Loan upto Rs 2 crore (as prescribed by NRB) | Base Rate | + 2% |
| Others | Base Rate | + upto 4.5% |
| 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 | 11.99 | 12.49 | 13.00 |
| Home Loan Above 15 Million | 11.99 | 12.49 | 13.00 |
| Mortgage Loan | 14.00 | 14.50 | 15.00 |
| 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 | 11.75% p.a. fixed for 7 years | ||
| Electric Vehicle | 12 | ||
| 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 | |
| 12.5 to 12.99 | 13.0 to 13.99 | 13.5 to 14.0 | |
| Quarterly Average Base Rate - 3rd Quarter of FY 2079/80 | 10.61% |
| Chaitra 2079 Base Rate | 10.45% |
| Chaitra 2079 Interest Spread Rate | 4.18% |
| S.N | Fixed Deposit (NPR) | Interest Rate (% p.a.) |
| 1 |
Individuals Remittance
Tenure : 3 months and above
Siddhartha Samriddhi Nichhep Yojana (Recurring Deposit)
Tenure: For 5 Years Tenure: For 10 Years |
9.99 10.99
8.44 8.75 |
| 2 |
Institutions
Tenure: 6 months and above
Siddhartha Shree Briddhi Muddati Khata
For Individuals For Institutions For Remittance |
7.99 (+0.5 for bidding)
9.99 7.99 (+0.5 for bidding) 10.99 |
| 3 | Siddhartha Shree Briddhi Plus Muddati Khata | 9.99 |
| Interest Rate of Foreign Currency Deposit (% p.a.) | ||
| SN | Currency | Saving Deposit | Fixed Deposit | Call Deposit |
| Individual/Institutional (3 months and above) |
||||
| 1 | USD | 5.75 | 7.25 | 50% of lowest saving deposit interest rate of respective currency |
| 2 | EUR | 4.00 | 5.50 | |
| 3 | GBP | 4.75 | 6.25 | |
| 4 | AUD | 5.10 | 6.60 | |
| 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 | |
|
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| LOANS & ADVANCES | ||
| Description | Interest Rate (% p.a.) | |
| Overdraft/Cash Credit | ||
| Industry/Trading | Base Rate | + upto 4.5 % |
| Import Loan | ||
| Industry/Trading | Base Rate | + upto 4.5% |
| Working Capital Loan | ||
| Industry/Trading | Base Rate | + upto 4.5% |
| Short Term Loan | ||
| Industry/Trading | Base Rate | + upto 4.5% |
| Term Loan | ||
| Industry/Trading | Base Rate | + upto 4.5% |
| Bridge Gap Loan | Base Rate | + upto 4.5% |
| Home Loan | Base Rate | + upto 4.5% |
| Auto Loan/Hire Purchase Loan | Base Rate | + upto 4.5% |
| Professional Loan | Base Rate | + upto 4.5% |
| Education Loan | Base Rate | + upto 4.5% |
| Mortgage Loan | ||
| Overdraft | Base Rate | + upto 4.5% |
| Term Loan/Short Term Loan | Base Rate | + upto 4.5% |
| 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% |
