Loan Product Rate

Types of Loan %Per Annum
Applicable Base Rate (Average of Asadh, Shrawan & Bhadra) for Ashwin 2080 10.88%
Demand Loan Base rate + up to 5.00%
Export Loan Base rate + up to 5.00%
Overdraft Base rate + up to 5.00%
Term Loan Base rate + up to 5.00%
Short Term Pledge Loan Base rate + up to 5.00%
Importer's Loan Base rate + up to 5.00%
Revolving Cash Credit Base rate + up to 5.00%
Non Revolving Cash Credit Base rate + up to 5.00%
STDL - OC Base rate + up to 5.00%
SME/ Card Merchant Loan Working Capital Base rate + up to 5.00%
SME/ Card Merchant Loan Fixed Term Loan Base rate + up to 5.00%
SME/ Card Merchant Loan Importer's Loan Base rate + up to 5.00%
HBL Small Personal Business Loan WC Working Capital Base rate + up to 5.00%
HBL Small Personal Business Loan (Term Loan) Fixed Term Loan Base rate + up to 5.00%
Educational Institution Financing Working Capital Base rate + up to 5.00%
Educational Institution Financing -Upto 15 Yrs Fixed Term Loan Base rate + up to 5.00%
Deprived Sector (Retail): Base rate + up to 5.00%
Deprived Sector (Institutional): Base rate + up to 5.00%
Home Loan- Upto 10 Years Base rate + up to 5.00%
Home Loan- Above 10 Years Base rate + up to 5.00%
Hire Purchase (Private) Base rate + up to 5.00%
Hire Purchase (Commercial) Base rate + up to 5.00%
Mortgage Loan - Secured Personal Loan Base rate + up to 5.00%
Loan against Share of Company listed in Stock Exchange/ Easy Share Loan Base rate + up to 5.00%
Loan against HBL FD (NPR) Up to 3% above the coupon rate
Loan against FD/ Bond of other Banks Base rate + up to 4.75% but minimum 3% above the coupon rate
Loan against Government Bonds Base rate + up to 4.75% but minimum 3% above the coupon rate
Subidha Loan Base rate + up to 5.00%
Loan in Local Currency against FD (FCY) Base rate + up to 5.00% above coupon rate
Loan against First Class Bank Guarantee - Rated Bank Base rate + up to 5.00%
Loan against First Class Bank Guarantee - Non Rated Bank Base rate + up to 5.00%
Education Loan Base rate + up to 5.00%
HBL Farmer's Loan - Fixed Term Fixed Term Loan Base rate + up to 5.00%
HBL Farmer's Loan - WC Loan Working Capital Base rate + up to 5.00%
USD Denominated Loan 6 Month Libor plus up to 10.00%
Personal Loan against Life Insurance / Endowment Policy Base rate + up to 5.00%
------------------Cosumer Personal Loan (Fixed Rate)------------------
Home Loan (Upto 7 Years) 14.00% per annum
Hire Purchase (Private) - Up to 7 Years 14.00% per annum
Subidha Loan (Upto 7 Years) 14.00% per annum
Education Loan (Upto 7 Years) 14.00% per annum
Mortgage Loan - Secured Personal Loan (Upto 7 Years) 15.00% per annum

Notes :

1. Interest rate applicable on forced loan may very with risk premium form the published rate.
2. Interest rate in consortium financing as decided by consortium.
3. Interest rate in NPA accounts may vary from the published rate.
4. Penal Interest of plus 2% p.a. will be applied on overdue amount.
5. Risk premium upto plus 3% p.a. may be charged to cases attracting additional provisioning as per regulatory requirement.
6. Bills Under import LC (BLC) and other forced loan will attract interest rate of 16% p.a.
7. Interest Payment for all types of deposit will be done on quarterly basis.
8. As per directives of NRB, no pre mature/withdrawal will be allowed for Institutional Fixed Deposit before end of 6 months.