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फोरेक्स दरहरु

मुद्रा कोड एकाइ 50 डेनो भन्दा तल नगद नगद (50 डेनो र माथि) र गैर नगद Selling
US Dollar USD 1 118.9 119.5 120.1
Euro EUR 1 139.01 139.71 141.74
British Pound GBP 1 154.96 155.74 157.69
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समाचार र सूचनाहरु सबै हेर्नुहोस्

व्याजदर

Effective from 21st Shrawan, 2077 (5th August, 2020)

DEPOSITS

% p.a.
1. Savings Deposits 3.00-4.50
2. Call Deposits Up to 2.00
3. Fixed Deposits :
    Fixed Interest Rate
         A. Institutions
            For New:
            3 Months to Less than 6 Months 4.50
            6 Months to Less than 1 Year 5.50
            1 Year and above 6.50
            For Renewal:
           3 Months to Less than 6 Months 4.60
           6 Months to Less than 1 Year 5.60
           1 Year and above 6.60
        B. Individuals
           3 Months to Less than 6 Months  5.25
           6 Months to Less than 1 Year 6.25
           1 Year and above 7.25
    Floating Interest Rate
      A. Recurring Deposits (2 - 10 Years)  6.00
      B. Kissan Banking Sewa (Recurring Deposit) (1 - 10 Years)  6.00
4. FCY Deposit Savings  
    USD Savings Deposit 1.25
LOANS AND ADVANCES %p.a.
1. Working Capital loan Base Rate + upto 5.00
2. Term loan Base Rate + upto 5.00
3. Retail loans
(i) Housing Loan Base Rate + 0.50 to 5.00
ii) Education Loan Base Rate + 0.50 to 5.00
(iii) Hire Purchase Loan Base Rate + 0.50 to 5.00
(iv) Residential Real Estate Loan (Above NPR 15,000,000) Base Rate + 0.50 to 5.00
v)  Housing Loan Fixed Rate  10.49%
4. Development Credit Loan (including Deprived Sector Loan)
(i) Direct Financing (Micro Loans) Base Rate + 0.50 to 5.00
(ii) Small Enterprise Loan Base Rate + 1.00 to 5.00
(iii) Agri Business Loan Base Rate + 0.50 to 5.00
(iv) Interest Subsidized Loan Base Rate + upto 2.00
5. First-class foreign bank guarantee
(i) Loan against Govt. Bonds Base Rate + 0.50 to 5.00
(ii) Loan against Fixed Deposits/Other local currency Deposit of BOK Base Rate + Upto 5.00
(iii) Loan against Fixed Deposits of other Financial Institutions Base Rate + 0.50 to 5.00
(iv) Loan against Foreign Currency Deposits Base Rate + 0.50 to 5.00
v) Loan against First Class Foreign Bank Guarantee Base Rate + 0.75 to 5.00
6. Other Loans
(i) Gold / Ornaments Financing (against Pledge) Base Rate + 1.00 to 5.00
(ii) Loan Against Shares Base Rate + 0.50 to 5.00
(iii) Personal Loan  
a. Without Real Estate Collateral Base Rate + 2.00 to 5.00
b. Other Loans Base Rate + 1.00 to 5.00
7. Unarranged Loans/Forced Loans and uncollected dues Base Rate + 5.00
8. Foreign Currency Loans  
(i) USD TR Loan Six Months LIBOR+ upto 1.25
(ii) Export Pre-Shipment/Post-Shipment Loan 1 year LIBOR+ upto 1.25
(iii) USD Loan ( excluding 8(i) & 8(ii)) LIBOR+1.50 to 4.00
(iv) Other Foreign Currency Loan 3.00 to 7.00
Base Rate as of Ashad 2077: 8.71%
Interest Spread as of Ashad 2077: 3.81%

Notes: 

  1. Terms and Conditions for Deposits will be as per the Bank's Rule and informations can be obtained from Bank's Branch Office.
  2. Individuals stand for natural person.
  3. Interest will be paid Quarterly on deposits (including Fixed Deposits).
  4. BOK Safalta Muddati Khata can be opened for 1 year and above upto 5 years.
  5. Interest Rates on Foreign Currency Deposits will be provided based on International Market other than USD Saving  Deposit.
  6. Interest Rate on Wholesale Financing to Micro Financing Institution and Yuwa Swarojgar Kosh will be on the basis of existing contract.
  7. For Loans against Fixed Deposits, the applicable rates will be 2% over coupon rates of Fixed Deposits or interest rate as per 5(ii)/5(iii) whichever is higher.
  8. Interest on Overdue Loan will be Applicable Loan Interest Rate plus 2% Penal Interest Rate.
  9. Interest Rates on NRB Refinance Loans will be as stated by Nepal Rastra Bank.
  10. Interest Rates on Loans under Syndicated Finance will be as per the Syndicated Loan Agreement / Arrangement.
  11. Housing Loan under Fixed rate is for 1 Year only. After first year, the rate will be Base rate plus 2 %.

 

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