Welcome to our bank

NIDC bank

NIDC, being prominently involved for more than 50 years in the Industrial Project Financing, has now set foot in the Development Banking Sector. Centrally located in the heart of the city at Durbar Marg amidst the lush greeneries and h ...   Read More »

Interest Rates

Saving Accounts:
 
Saving Account Type Minimum Balance Interest Rate
Normal Saving Rs. 1,000/- 6.50%
NIDC Special Savings Rs. 20,000/- 7.50%
Karmachari Bachat Rs. 500/- 6.75%
Share Savings Rs. 100/- 6.00%
Mero NIDC Bachat Rs. 0/- 6.25%
NIDC Naari Bachat Rs. 100/- 7.25%
NIDC Dirghayu Bachat Rs. 1,000/- 7.25%
Mero Vabishya Bachat Rs. 500/- 7.25%

    

Fixed Deposit Account:
 
Duration Interest Payable
Quarterly @ Maturity
90 days 6.50% 6.50%
180 days 10.50% 10.75%
365 days 11.25% 11.50%
More than 1 Year upto 2 Years 8.25% 8.50%
More than  2 years 9.00% 9.25%

Call Deposit Scheme

Interest rates on Call Deposits vary from 3.00% to 4.50%.

 

Loans and Advances:
1. AWASH KARJA Annual Int. Rate (%)
1.1 Loan upto 5 years 12.00 -13.50
1.2 Loan upto 10 years 12.50 - 13.50
1.3 Loan above 10 years 13.00 - 14.00
2 Real State Loan (Commercial Purpose) 12.50 - 15.00
3 Small personal business loan 12.00 - 14.50
4 Personal Saral Loan 12.50 - 14.50
5 Vehicle Loan 12.50 - 14.50
6 Personal Overdrafts 13.00-14.50
7 Loan against Share Certificate 12.50-14.50
8 Loan against Gold mortgage  12.00-13.50
9. PERIODIC LOANS Annual Int. Rate (%)
9.1 Long-Term Loan 11.50-14.50
9.2 Mid-Term Loan 10.50-14.50
10 Consortium Loan APCD**
11 Bridge Loan 12.00-14.50
12. WORKING CAPITAL LOANS Annual Int. Rate (%)
12.1 Business Overdrafts 11.50-13.00
12.2 Short Term Demand Loan 11.50-13.00
12.3 Revolving Demand/Cash Loan 11.00-13.00
13. HIRE PURCHASE LOANS Annual Int. Rate (%)
13.1 Vehicle 12.50-15.00
13.2 Business Equipments 13.00-15.00
14 Loans Against self FRD Certificate +2 or Min 11.0% whichever is higher
15 Loan Against Gov. Bonds Coupon+2% or Min 11.0% whichever is higher
16 Education Loan 11.00 - 15.00
17. PRIORITIZED SECTOR/DEPRIVED SECTOR LOANS Annual Int. Rate (%)
17.1 Personal/Retail Loan 9.00-12.00
17.2 Institutional/Wholesale Loan (For 'D' class financial Institutions) 6.00 -10.00
18 OTHER LOANS 12.50 - 14.50
** As per consortium decision

Note:
All above Interest Rates are applicable from 2074/02/08 BS (22nd May 2017 AD) unless otherwise stated.

Energy Efficiency Program

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Contact

NIDC Building
P.O.Box 10, Durbar Marg,
Kathmandu, Nepal
Phone: 977-1-4228322
Fax: 977-1-4227428
Email: nidc@nidc.org.np

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