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

Interest Rates


With effect from January 27, 2017


Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Bachat 1.5
Siddhartha Bal Bachat 3
Siddhartha Nari Bachat 3
Siddhartha Bishesh Bachat 1.5
Siddhartha Mega Savings 1.5
Siddhartha Branchless Banking 3.5
Siddhartha Kantipur Savings 1.5
Siddhartha Investor's Savings 3.5
Siddhartha Students Savings 3.5
Siddhartha Super Salary  3.5
Siddhartha Remit 3.5
Siddhartha Jestha Nagarik Bachat 3.5
Siddhartha Sarvottam Bachat 3.5
Siddhartha Insurance Bachat 2
Siddhartha Hello Paisa Bachat 2
Siddhartha eSewa Bachat  1.5

 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 *
Siddhartha 180 Days Fixed Deposit 8 *
Structured Fixed Deposit :
6 months to 18 months 11.5 *


*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 January 27, 2017

Description  % p.a
Overdraft/Cash Credit Prime Others
Industry/Trading 9.5 - 10.5 12.5
Import Loan
Industry/Trading 9 - 10 11.5 - 12.5
Working Capital Loan
Industry/Trading 9.5 - 10.5 12.5
Short Term Loan
Industry/Trading 9.5 - 10.5 12.5
Term Loan
Industry/Trading 10 - 11 12.5
Home Loan 9.5 - 10.5 12.5
Auto Loan/Hire Purchase Loan 9.5 - 10.5 12.5
Siddhartha Personal EMI Loan 11.5 12.5
Education Loan 10.5 - 11.5 12.5
Mortgage Loan 
Overdraft 10.5 - 11.5 12.5
Term Loan/Short Term Loan 10.5 - 11.5 12.5
Export Finance 
Under L/C in USD 4 - 5 7 - 8
Under L/C in NPR 9.5 - 10.5 12.5
Without L/C in USD 5 - 6 8 - 9
Without L/C in NPR 10 - 11  12.5
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 10 11
Government Bonds 10.5 11 - 12
First Class Bank Guarantees 11 12.5
Other Bank Guarantees 10 - 11 12.5
Loan against Shares 11.5 12.5
FCY Loan Denominated in USD 4 - 5 8 - 9
Consortium Loan As per consortium decision
Deprived Sector 7 - 9 11 - 12.5
Others 9.5 - 10.5 12.5 
 
Note: Above rates may not be applicable for default and watch list accounts

As of February 19, 2017 10:18:44

Currency Unit Buying Selling
Cash Other
GBP 1 131.49 132.15 133.47
USD 1 106.37 106.9 107.5
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