How much Interest on monthly Deposit and Lending Money from Banks and Finance Corporate?

 


First of all we need to know what is the definition of Interest Rate? Click here

Interest Rate is one of the most performed financial act which is happening in every country and society. Interest rate have diverse effect with significant impact on whole economy and  also personal financial life. 

 

There are various types of deposits in which there are lots of categories of interest rate. Rate can affect investors like in stock market directly or indirectly, which is a major focal point for rising stock market in Nepal. Stock market is not only the place for investing and interest rate. Recently people are investing in digital coins like Bitcoin, Hyper fund, Global Infinity which has caused great international investments from our country in huge numbers. There needs to be financial plan for shaping your investment in stock market and digital coins. Investors in stock market, real states, startups and many more should closely watch the interest rate because fund supply in stock market is inversely related with stock market, real state, bitcoins and more.

Here, our team  have prepared the data of monthly average deposit and lending interest rate along with different purpose of deposit and lending of all the Banks & Financial Institutions as published by Nepal  Rastra Bank and Nepal Bank. Data Trend shows that interest rates are in decreasing order rather than previous years.

 

Month

Avg. Deposit Rate

Avg. Lending Rate

Interest Rate Spread

Shrawan, 2077

5.77%

10.47%

4.70%

Bhadra, 2077

5.61%

10.18%

4.57%

Asoj, 2077

5.45%

9.83%

4.38%

Kartik, 2077

5.31%

9.52%

4.21%

Mangsir, 2077

5.14%

9.37%

4.23%

Poush, 2077

5.00%

9.09%

4.09%

Magh, 2077

4.86%

8.89%

4.03%

Falgun, 2077

4.68%

8.73%

4.05%

Chaitra, 2077

4.79%

8.61%

3.82%

Baisakh, 2078

4.81%

8.53%

3.72%

Jestha, 2078

4.72%

8.46%

3.74%

Ashad, 2078

4.76%

8.43%

3.67%

Shrawan, 2078

4.76%

8.48%

3.72%

 

 

 

 

Interest Rates on Deposits

Effective From Poush 01, 2078 (December 16, 2021)

 

Interest Rates on Deposits

 

S.NO.

Deposit Type

Minimum Balance

Rate Per Annum

1 Fixed Deposit

2.1

3 months

25000

2.1.1

Individual

10.05%

2.1.2

Institutional

9.05%

2.1.3

Institutional (Renewal)

9.15%

2.2

Above 3 Months upto 6 Months

25000.00

2.2.1

Individual

10.05%

2.2.2

Institutional

9.05%

2.2.3

Institutional (Renewal)

9.15%

2.3

Above 6 Months upto 1 Year

25000.00

2.3.1

Individual

10.05%

2.3.2

Institutional

9.05%

2.3.3

Institutional (Renewal)

9.15%

2.4

Above 1 Year upto 10 Years

25000.00

2.4.1

Individual

10.05%

2.4.2

Institutional

9.05%

2.4.3

Institutional (Renewal)

9.15%

2.5

Remittance Fixed Deposit (3 months and above)

25000.00

11.05%

2.6

Institutional Fixed Deposit (Bidding)

25,000

9.15%

1.1

Normal Saving

500.00

5.05%

1.2

NBL Diamond Saving

500.00

5.55%

4 Recurring Deposit

3.1

Recurring Deposit

1000

10.05%

5 Employee Welfare Account

4.1

Employee Welfare Account

0.00

6.05%

6 Akchaya Kosh

5.1

Akshaya Kosh

0.00

9.05%

7 NBL Trust Fund

6.1

NBL Trust Fund

0.00

9.05%

1.3

Women Special Saving

500.00

5.55%

9 Call Deposits

7.1

Normal Call Deposits

100000.00

2.525%

10 FCY Saving Deposit

8.1

USD

100.00

2.00%

8.2

EURO

100.00

0.00%

8.3

GBP

100.00

0.40%

8.4

JPY

100.00

0.15%

11 FCY Call Deposits

9.1

USD

100.00

0.75%

12 FCY Fixed Deposit

10.1

USD

500.00

Negotiable

1.4

Yuva Bachat Khata

0.00

5.55

1.5

Santati Saving Account

0.00

5.55%

1.6

NBL Staff Pension Saving

0.00

6.05%

1.7

Remittance Saving Account

0.00

7.05%

1.8

Investor's Saving Account

0.00

5.55%

1.9

Senior Citizens Special Saving

500.00

5.55%

1.10

Professional's Saving

500.00

5.55%

1.11

Social Security Saving Account

0.00

5.55%

1.12

Pension Payment Saving Account

0.00

6.05%

1.13

NBL Special Saving

50000.00

6.05%

1.14

Earthquake Relief Saving

0.00

6.05%

1.15

TU Pension Saving

0.00

6.05%

1.16

NBL Staff Salary Saving

0.00

6.05%

1.17

Salary Saving Account

0.00

6.05%

1.18

Nari Samman Bachat Khata

10000.00

6.05%

1.19

Sambandha Bachat Khata

0.00

6.05%

1.20

Nagarik Batchat Khata

1000.00

6.05%

1.21

Samriddha Nepal Abhiyan Bachat Khata

0.00

6.05%

1.22

Green Saving Deposit

1000.00

6.05%

1.23

Chhori (Beti) Kalyan Bachat Khata

5000.00

6.05%

1.24

Chhori Surakshya Bachat Khata

0.00

6.05%

1.25

Balbalika Bachat Khata

0.00

6.05%

1.26

NBL Shubha Gyan Bachat Khata

0.00

5.05%

1.27

NBL Sahayatri Bachat Khata

500.00

5.05%



 

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