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You Are Here: Home » Publications » Rates & Charges » Interest Rates

Interest Rates


With effect from June 27, 2017


Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Bachat   6
Siddhartha Bal Bachat   6
Siddhartha Bishesh Bachat   6
Siddhartha eSewa Bachat   6
Siddhartha Insurance Bachat
  6
Siddhartha Kantipur Savings
  6
Siddhartha Mega Savings   6
Siddhartha Nari Bachat
  6
Siddhartha Branchless Banking
  6
Siddhartha Investors' Savings
  6
Siddhartha Jestha Nagarik Bachat
  6
Siddhartha Remit
  6
Siddhartha Super Salary
  6
Siddhartha Students Savings
  6
Siddhartha Hello Paisa Bachat   6
Siddhartha Sarvottam Bachat   6.25
Siddhartha Swornim Bachat   8
 
With effect from January 27, 2017

 Normal Fixed Deposits

Institutional        

(% p.a.)

Others

 (% p.a.)

3 months - below 6 months 1.5 2
6 months - below 1 year 2.5 3
1 year  5.5 5.75
Above 1 year 6 6.25

Fixed Deposit Interest Rate (% p.a.)

Siddhartha Awakash Muddati Khata (1 year)

(For Individual Customers Only)

6.5
Siddhartha Premium Muddati Khata (2 years) 7 *
 
With effect from May 25, 2017
Siddhartha 180 Days Fixed Deposit 10 *
With effect from June 19, 2017
Structured Fixed Deposit :
6 months to 18 months 11*


*The above rates are not applicable to Institutional Customers as defined by NRB

Other terms & conditions of the deposits products remain unchanged

With effect from June 21, 2016
Foreign Currency Deposits
Deposits Interest Rate (% p.a.)
Siddhartha USD Savings 1
Siddhartha Remit USD Savings 1.25
Siddhartha GBP Savings 0.5
Siddhartha Euro Savings 0.5
Other FCY Deposit & Fixed Deposits available on request


Loans and Advances             
With effect from aPRIL 25, 2017

Description  % p.a
Overdraft/Cash Credit Prime Others
Industry/Trading 10.5 - 11.5 13 - 14
Import Loan
Industry/Trading 10 - 11 12.5 - 14
Working Capital Loan
Industry/Trading 10.5 - 11.5 13 - 14
Short Term Loan
Industry/Trading 10.5 - 11.5 13 - 14
Term Loan
Industry/Trading 11 - 12 13 - 14
Home Loan 10.5 - 11.5 13 - 14
Auto Loan/Hire Purchase Loan 10.5 - 11.5 13 - 14
Siddhartha Personal EMI Loan 12.5 14
Education Loan 11.5 - 12.5 13 - 14
Mortgage Loan 
Overdraft 11.5 - 12.5 14
Term Loan/Short Term Loan 11.5 - 12.5 13 - 14
Export Finance 
Under L/C in USD 5 - 6 8 - 9
Under L/C in NPR 10.5 - 11.5 14
Without L/C in USD 6 - 7 9 - 10
Without L/C in NPR 11 - 12  14
Loan Against :
Fixed Deposit

Own: Coupon rate plus 3% or Minimum 11.5% p.a.

Other Bank: Coupon rate plus 3% or Minimum 12 % p.a.

Foreign Currency Deposits at SBL 11 12
Government Bonds 11.5 12 - 13
First Class Bank Guarantees 12 14
Other Bank Guarantees 11 - 12 14
Loan against Shares 12.5 14
FCY Loan Denominated in USD 5 - 6 9 - 10
Consortium Loan As per consortium decision
Deprived Sector 10 - 11 12 - 14
Others 12.5 14 
 
Note: Above rates may not be applicable for default and watch list accounts

As of June 28, 2017 10:19:42

Currency Unit Buying Selling
Cash Other
GBP 1 130.83 131.49 132.8
USD 1 102.49 103 103.6
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