Account Scheme
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Corporate Customers
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Prime Customers
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Other Customers
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Working Capital / Cash Credit
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BR + Up to 2.00%
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BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
Trust receipt
|
BR + Up to 2.00%
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BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
Short Term Demand Loan
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BR + Up to 2.00%
|
BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
Term Loan / Project Finance
|
BR + Up to 2.00%
|
BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
Working Capital / Cash Credit -Multinational
|
BR + Up to 2.00%
|
BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
Pre shipment / Post shipment Loan
|
BR + Up to 2.00%
|
BR + 1.00% - 3.00%
|
BR + 2.00% - 4.00%
|
For FCY Loan New: Interest rate shall be as per agreement subject to applicable NRB guidelines.
|
Loan Against FDR
|
FD Rate + Up to 2.00%
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Or applicable Base Rate whichever is higher
|
Deprived Sector Lending(MFI,NBFC)
|
Corporate Customers
|
Prime Customers
|
BR + Up to 2.00%
|
BR + 2.00% - 4.00%
|
|
BR + Up to 2.00% for Institutions Qualifying under Deprived Sector Lending as per NRB Directives
|
Deprived Sector Lending( Retail)
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BR + 2.00% - 4.00%
|
Personal Loan/Overdraft
|
BR + 1.00% - 3.00%
|
SME Loan
|
Prime Customers
|
Other Customers
|
BR + Up to 2.00%
|
BR + 2.00% - 4.00%
|
NSBL Saral Karja for MSME
|
BR + Up to 2.00%
|
BR + 2.00% - 4.00%
|
NSBL Krishak Sathi Karja
|
BR + 2.00% - 4.00%
|
Auto Loan / Hire Purchase Loan
|
Personal Purpose (EV): BR + 0.25% - 2.25%
Personal Purpose (IC): BR + 0.50% - 2.50%
Official Purpose (EV): BR + 0.25% - 2.25%
Official Purpose (IC):BR + 0.50% - 2.50%
Commercial Purpose (EV): BR + 1.00% - 3.00%
|
Commercial Purpose (IC): BR + 1.00% - 3.00%
|
Loan against Share / Margin lending
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BR + 1.00% - 3.00%
|
Loan against Bonds (Govt. & Other)
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BR + Up to 2.00%
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Or applicable Base Rate whichever is higher
|
Gold Loan
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BR + 2.00% - 4.00%
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FCY Loans (For Payment of Sight LC)
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Interest rate shall be as per agreement and/or MRR plus premium subject to applicable NRB guidelines
|
Interest Spread Rate (Ashwin 2081)New: 3.76% |
Last Three Months AverageBase Rate New: 7.72%
Base Rate (Ashwin 2081)New: 7.53%
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Click here for Interest Rate History |