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

Interest Rates


With effect from April 18, 2017


Deposit (NPR)  Interest Rate (% p. a.)
Siddhartha Bachat   5.75
Siddhartha Bal Bachat   5.75
Siddhartha Bishesh Bachat   5.75
Siddhartha eSewa Bachat   5.75
Siddhartha Insurance Bachat
  5.75
Siddhartha Kantipur Savings
  5.75
Siddhartha Mega Savings   5.75
Siddhartha Nari Bachat
  5.75
Siddhartha Branchless Banking
  5.75
Siddhartha Investors' Savings
  5.75
Siddhartha Jestha Nagarik Bachat
  5.75
Siddhartha Remit
  5.75
Siddhartha Super Salary
  5.75
Siddhartha Students Savings
  5.75
Siddhartha Sarvottam Bachat   6.25
 
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 *
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 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 May 24, 2017 10:14:45

Currency Unit Buying Selling
Cash Other
GBP 1 133.09 133.76 135.1
USD 1 102.98 103.5 104.1
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