Loan Interest Rates

Interest Rate List (Effective: 2082/10/01 To 2082/12/30)

S.N.	Product Name	Adjustable Interest Rate			Fixed Rate %
S.N.	Product Name	Base %	Premium %	Interest %	Fixed Rate %
Non Collateral Loans
1	GENERAL LOAN	13.09	1.29	14.38	14.38
2	SEASONAL LOAN	13.09	1.29	14.38	14.38
3	SPECIAL/DISCIPLINE LOAN	13.09	1.29	14.38	14.38
4	SOCIAL LOAN/INDIVIDUAL FAMILY GUARANTY	13.09	1.29	14.38	14.38
5	MICRO ENTERPRISES LOAN	13.09	1.29	14.38	14.38
6	ALTERNATIVE ENERGY LOAN	13.09	1.29	14.38	14.38
7	FOREIGN EMPLOYMENT LOAN	13.09	1.29	14.38	14.38
8	HOME LOAN / LOW COST HOUSING	13.09	1.29	14.38	14.38
9	SELF EMPLOYMENT & INCOME GENERATION	13.09	1.29	14.38	14.38
10	MERO KARJA	13.09	1.29	14.38	14.38
11	E-RICKSHAW / AUTO LOAN	13.09	1.29	14.38	14.38
12	SOLAR WATER PUMP	13.09	1.29	14.38	14.38
Collateral Loans
1	MICRO ENTERPRISES LOAN-COLLATERAL	13.09	1.29	14.38	14.38
2	INDIVIDUAL LOAN	13.09	1.29	14.38	14.38
3	ALTERNATIVE ENERGY LOAN-COLLATERAL	13.09	1.29	14.38	14.38
4	E-RICKSHAW LOAN COLLATERAL	13.09	1.29	14.38	14.38
5	SOLAR WATER PUMP COLLATERAL	13.09	1.29	14.38	14.38
6	HOME LOAN	13.09	1.29	14.38	14.38
7	EDUCATIONAL LOAN	13.09	1.29	14.38	14.38
8	SELF EMPLOYMENT & INCOME GENERATION	13.09	1.29	14.38	14.38
9	MICRO ENTERPRISES LOAN-INDIVIDUAL	13.09	1.29	14.38	14.38

Interest rates will change quarterly as per NRB circulars.
Adjustable interest rates change based on the Base Rate while the premium remains constant.
Fixed interest rates will never change during the entire loan period.