NIC Asia Bank Limited
Savings Deposit
2.75–4.25%- Regular Savings (All Standard Products) 2.75%
- Sathi Bachat Khata (Premium Savings) 3.25%
- Senior Citizen Savings 3.25%
- Women Savings (NIC Asia Nari Bachat) 3.25%
- Sarbashrestha Remit Savings 4.25%
Fixed Deposit
2.75–4.75%- Fixed Deposit – 3 Months to 2 Years 2.75%
- Fixed Deposit – Above 2 Years to 3 Years 3.01%
- Fixed Deposit – Above 3 Years to 5 Years 3.26%
- Fixed Deposit – 5 Years and Above 4.75%
Call Deposit
2.75%- Call Deposit 2.75%
Current Account
- Current Account —
Home / Housing Loan
10.05–11.05%- Home / Housing Loan — BR + 2.00% to 3.00% 10.05%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.55%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 11.05%
Auto / Vehicle Loan
10.55–11.05%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.55%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.80%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 11.05%
Hire Purchase
10.55%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.55%
Personal / Professional
11.05–11.80%- Personal Term Loan — BR + 3.50% to 4.50% 11.55%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.80%
- Professional Loan — BR + 2.75% to 4.00% 11.05%
Education Loan
11.05%- Education Loan — BR + 2.75% to 4.00% 11.05%
- Foreign Education Loan — BR + 3.00% to 4.00% 11.05%
Business / SME / Working Capital
10.55–11.05%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.55%
- Working Capital / OD — BR + 1.25% to 3.50% 10.55%
- Bridge Gap Loan — BR + 2.50% to 4.00% 11.05%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.55%
Agriculture Loan
10.05%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 10.05%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 10.05%
Microfinance / Wholesale
9.05%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 9.05%
Gold Loan
11.05%- Gold Loan — BR + 2.50% to 4.00% 11.05%
Foreign Employment Loan
11.05%- Foreign Employment Loan — BR + 2.75% to 4.00% 11.05%
Deprived Sector Loan
10.55–11.05%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 11.05%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.55%
Subsidised Loan
9.05%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 9.05%
Real Estate Loan
11.05%- Real Estate Loan — BR + 2.50% to 4.00% 11.05%
Other Loans
10.55–11.05%- 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% 11.05%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.55%