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Interest Rate

We are pleased to announce our revised rates of interest* on
Deposits, Loans and Advances to be effective from Tuesday, 7th Ashwin, 2071 (23rd September, 2014)

Savings Deposit % Per Annum Call Deposit % Per Annum
LCY Savings - Normal
2.00 Current Call Account 1.00 - 1.75
LCY Savings - Himal 2.10 Non-Profit Organisation Current Call Account 1.00 - 1.75
LCY Savings - Bishesh 2.25 14 Days 1.75
Premium Savings Account 3.75 1 Month 2.00
Super Premium Savings
4.00 Fixed Deposit % Per Annum
Shareholder's Savings 2.50 3-Year Recurring Deposit 5.00
Himal Remit Savings 3.25 Fixed Deposit Individuals
(% Per Annum)
Institutions
(% Per Annum)
Special Payroll Account 3.50 3 Months 2.75 2.75
Foreign Currency (US Dollars) 0.60 6 Months 3.50 3.25
  1 Year 4.00 3.75
2 Years and above 4.25 4.00
Structured Deposit For all customers (% Per Annum)
1 Year and above 3.85

Interest Rate on Loans and Advances

Type of Loan Prime A Category (%p.a.) Prime B Category (% p.a.) General(% p.a.)
Demand Loan 8.50 - 10.00 10.00 - 11.25 10.50 - 12.00
Export Finance 8.50 - 11.00 11.00 - 12.00 11.75 - 12.75
Overdraft  8.50 - 10.25 10.00 - 11.25 10.50 - 12.00
Term Loan 9.50 - 10.75 11.00 - 11.75 11.25 - 12.50
Short Term Pledge Loan 9.00 - 10.50 10.00 - 11.50 11.00 - 12.00
Importer's Loan 8.00 - 10.50 10.25 - 11.50 10.50 - 12.25
Deprived Sector Loan 5.00 - 7.00 - 7.00
Revolving Cash Credit 8.50 - 11.00 - -
Non Revolving Cash Credit 9.50 - 10.75 11.00 - 11.75 -
Mortgage Loan - Secured Personal Loan 11.50 - 12.50 - -

Type of Loan For all Customers
(% p.a.)
Type of Loan For all Customers
(% p.a.)
Home Loan:
Upto 10 Years:
Above 10 Years:

Fixed Rate Home Loan (Rate fixed for1 year)
Fixed Rate Hire Purchase Loan (Rate fixed for 1 year)

8.50 - 10.50
9.00 - 11.00

8.00

8.50
SME Loan Package/Card Merchant Loan:
WC Loan
Fixed Term Loan
Trust Receipt (120 days)



8.50 - 10.50
9.00 - 10.50
7.75 - 10.00

Hire Purchase
Private:
Commercial:

8.75 - 11.00
10.00 - 12.00
Loan in Local Currency Against FD (FCY) Plus 1.00 or 9.00% whichever is higher
Loan Against HBL FD (NPR) Plus 1.50 Loan Against Government Bonds 3 Months TB Rate + 2.50% or 10.00%, whichever is higher
Loan Against FD of Other Banks Plus 1.50 (Minimum 9.00%)
Educational Institution Financing:
WC Facility:
FT Tenure Upto 10 Years


10.00 - 12.00
10.50 - 12.00
Loan against First Class Bank Guarantee Rated Bank:
10.50 - 12.00
Non Rated Bank:
12.00 - 13.50
Subidha Loan 11.00 - 12.50 USD Denominated Loan 4.50 - 6.00
Loan Against Share of Company listed in Stock Exchange / Easy Share Loan 12.00 - 13.50 HBL Small Personal Business Loan
Term Loan:
Overdraft:


11.50 - 12.50
11.00 - 12.50

* Conditions Apply

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