Standard Chartered Bank Nepal Limited
Savings Deposit
2.75–5.50%- Regular Savings Account 2.75%
- Priority / Premium Savings 3.25%
- SC Remittance Savings 5.50%
Fixed Deposit
2.75–4.50%- Fixed Deposit – 1 Month 2.75%
- Fixed Deposit – 3 Months 3.00%
- Fixed Deposit – 6 Months 3.50%
- Fixed Deposit – 1 Year 4.00%
- Fixed Deposit – 2 Years and Above 4.50%
Call Deposit
2.50%- Call Deposit 2.50%
Current Account
- Current Account —
Home / Housing Loan
8.85–9.85%- Home / Housing Loan — BR + 2.00% to 3.00% 8.85%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 9.35%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 9.85%
Auto / Vehicle Loan
9.35–9.85%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 9.35%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 9.60%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 9.85%
Hire Purchase
9.35%- Hire Purchase Loan — BR + 2.50% to 3.50% 9.35%
Personal / Professional
9.85–10.60%- Personal Term Loan — BR + 3.50% to 4.50% 10.35%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 10.60%
- Professional Loan — BR + 2.75% to 4.00% 9.85%
Education Loan
9.85%- Education Loan — BR + 2.75% to 4.00% 9.85%
- Foreign Education Loan — BR + 3.00% to 4.00% 9.85%
Business / SME / Working Capital
9.35–9.85%- Business / SME Term Loan — BR + 1.75% to 3.50% 9.35%
- Working Capital / OD — BR + 1.25% to 3.50% 9.35%
- Bridge Gap Loan — BR + 2.50% to 4.00% 9.85%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 9.35%
Agriculture Loan
8.85%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 8.85%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 8.85%
Microfinance / Wholesale
7.85%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 7.85%
Gold Loan
9.85%- Gold Loan — BR + 2.50% to 4.00% 9.85%
Foreign Employment Loan
9.85%- Foreign Employment Loan — BR + 2.75% to 4.00% 9.85%
Deprived Sector Loan
9.35–9.85%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 9.85%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 9.35%
Subsidised Loan
7.85%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 7.85%
Real Estate Loan
9.85%- Real Estate Loan — BR + 2.50% to 4.00% 9.85%
Other Loans
9.35–9.85%- 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% 9.85%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 9.35%