Rastriya Banijya Bank
Savings Deposit
2.75–4.50%- Regular Savings Account 2.75%
- Bishesh Bachat (Premium Savings) 3.25%
- Senior Citizen Savings 3.50%
- Mahila Bachat (Women Savings) 3.25%
- Remittance Savings 4.50%
Fixed Deposit
3.00–4.25%- Fixed Deposit – 3 to 6 Months 3.00%
- Fixed Deposit – 6 Months to 1 Year 3.50%
- Fixed Deposit – 1 Year to 2 Years 4.00%
- Fixed Deposit – 2 Years and Above 4.25%
Call Deposit
2.50%- Call Deposit 2.50%
Current Account
- Current Account —
Home / Housing Loan
9.50–10.50%- Home / Housing Loan — BR + 2.00% to 3.00% 9.50%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.00%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 10.50%
Auto / Vehicle Loan
10.00–10.50%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.00%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.25%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 10.50%
Hire Purchase
10.00%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.00%
Personal / Professional
10.50–11.25%- Personal Term Loan — BR + 3.50% to 4.50% 11.00%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.25%
- Professional Loan — BR + 2.75% to 4.00% 10.50%
Education Loan
10.50%- Education Loan — BR + 2.75% to 4.00% 10.50%
- Foreign Education Loan — BR + 3.00% to 4.00% 10.50%
Business / SME / Working Capital
10.00–10.50%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.00%
- Working Capital / OD — BR + 1.25% to 3.50% 10.00%
- Bridge Gap Loan — BR + 2.50% to 4.00% 10.50%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.00%
Agriculture Loan
9.50%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 9.50%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 9.50%
Microfinance / Wholesale
8.50%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 8.50%
Gold Loan
10.50%- Gold Loan — BR + 2.50% to 4.00% 10.50%
Foreign Employment Loan
10.50%- Foreign Employment Loan — BR + 2.75% to 4.00% 10.50%
Deprived Sector Loan
10.00–10.50%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 10.50%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.00%
Subsidised Loan
8.50%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 8.50%
Real Estate Loan
10.50%- Real Estate Loan — BR + 2.50% to 4.00% 10.50%
Other Loans
10.00–10.50%- 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% 10.50%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.00%