Himalayan Bank Limited
Savings Deposit
2.75–5.00%- Normal Savings Account 2.75%
- Bishesh Bachat (Premium Savings) 3.00%
- Subidha / Exclusive Privilege Savings 4.00%
- HBL Nari Bachat (Women Savings) 3.25%
- Shareholders Savings 3.00%
- Himal Remit Savings 5.00%
Fixed Deposit
2.80–5.50%- Fixed Deposit – Up to 6 Months 2.80%
- Fixed Deposit – 6 Months to 1 Year 3.50%
- Fixed Deposit – 1 Year to 2 Years 4.25%
- Fixed Deposit – 2 Years to 3 Years 4.50%
- Fixed Deposit – 3 Years and Above 4.50%
- Remittance Special Fixed Deposit 5.50%
- FCY USD Fixed Deposit 3.25%
Call Deposit
2.75%- Call Deposit 2.75%
Recurring Deposit
4.50%- 3-Year Recurring Deposit 4.50%
Current Account
- Current Account —
Home / Housing Loan
9.65–10.65%- Home / Housing Loan — BR + 2.00% to 3.00% 9.65%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.15%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 10.65%
Auto / Vehicle Loan
10.15–10.65%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.15%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.40%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 10.65%
Hire Purchase
10.15%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.15%
Personal / Professional
10.65–11.40%- Personal Term Loan — BR + 3.50% to 4.50% 11.15%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.40%
- Professional Loan — BR + 2.75% to 4.00% 10.65%
Education Loan
10.65%- Education Loan — BR + 2.75% to 4.00% 10.65%
- Foreign Education Loan — BR + 3.00% to 4.00% 10.65%
Business / SME / Working Capital
10.15–10.65%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.15%
- Working Capital / OD — BR + 1.25% to 3.50% 10.15%
- Bridge Gap Loan — BR + 2.50% to 4.00% 10.65%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.15%
Agriculture Loan
9.65%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 9.65%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 9.65%
Microfinance / Wholesale
8.65%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 8.65%
Gold Loan
10.65%- Gold Loan — BR + 2.50% to 4.00% 10.65%
Foreign Employment Loan
10.65%- Foreign Employment Loan — BR + 2.75% to 4.00% 10.65%
Deprived Sector Loan
10.15–10.65%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 10.65%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.15%
Subsidised Loan
8.65%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 8.65%
Real Estate Loan
10.65%- Real Estate Loan — BR + 2.50% to 4.00% 10.65%
Other Loans
10.15–10.65%- Loan against Fixed Deposit — Coupon + 2% (or BR, whichever higher) —
- Loan against Govt / NRB Securities — Coupon + 2% —
- Loan against Life Insurance Policy — BR + 2.75% to 4.00% 10.65%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.15%