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Forex Rate

Currency Code Unit Cash Below Deno 50 Cash (Deno 50 and above) and Non Cash Selling
US Dollar USD 1 101.74 102.25 102.85
Euro EUR 1 119.37 119.97 121.17
British Pound GBP 1 136.11 136.79 138.16
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Interest rates

DEPOSITS %p.a.
Savings Deposits 3.50 - 5.50
Call Deposits Up to 3.50
Fixed Deposits :
1. Fixed Interest Rate
A. Institutions
1 Month to Below 2 Months 5.50
2 Months to Below 3 Months 6.00
3 Months to Below 6 Months 7.00
6 Months to Below 1 Year 8.00
1 Year and above  8.50
B. Individuals
I. Laghu Muddati Khata
    1 Month 4.00
    3 Months 7.00
    6 Months 8.00
    9 Months 8.50
    1 Year 9.00
II. Premium Fixed Deposit
    1 Year  (Interest Payable at Maturity) 9.25
    1 Year  (Interest Payable Quarterly) 9.00
   2 Years to 3 Years (Interest Payable Annually) 8.75
   2 Years to 3 Years (Interest Payable Quarterly) 8.50
III. Muddati Plus
    3 Months 7.00
    6 Months 7.50
    9 Months 7.50
    1 Year (Interest Payable at Maturity) 9.25
    1 Year (Interest Payable Quarterly) 9.00
    2 Years to 5 Years (Interest Payable Annually) 8.75
    2 Years to 5 Years (Interest Payable Quarterly) 8.50
IV. Samriddha Jeewan Banking Sewa
    1 Year 9.00
    2 Years 9.00
   Above 2 Years up to 3 years 8.50
V. Griha Laxmi Muddati Khata
    3 Months 7.00
    6 Months 7.50
    9 Months 7.50
    1 Year 9.00
    2 Years 9.00
    Above 2 Years up to 3 years . 8.50
VI. Baideshik Rojgar Muddati Khata 
    Below 1 Year 7.50
    1 Year and below 18 Months 8.50
    18 Months and below 2 Years 8.25
    2 Years  8.00
VII. Structured Retail Deposit
   100 days (Special) 6.00
   210 Days (Special) 7.00
   1 Year (Special) 8.50
   15 Months (Special) 9.00
   18 Months (Special) 9.00
    2 years (Special) 9.00
2. Floating Interest Rate
    A. Recurring Deposits (2 - 10 Years)  5.00
    B. Kissan Banking Sewa (Recurring Deposit) (1 - 10 Years)  5.50
LOANS AND ADVANCES %p.a.
1. Working Capital loan Base Rate + upto 6.00
2. Term loan Base Rate + upto 6.00
2. Retail loans
(i) Housing Loan Base Rate + 0.50 to 6.00
ii) Education Loan Base Rate + 0.50 to 6.00
(iii) Hire Purchase Loan Base Rate + 0.50 to 6.00
(iv) Residential Real Estate Loan (Above NPR 10,000,000) Base Rate + 0.50 to 6.00
4. Development Credit Loan (including Deprived Sector Loan)
(i) Direct Financing (Micro Loans) Base Rate + 0.50 to 6.00
(ii) Small Enterprise Loan Base Rate + 1.00 to 6.00
(iii) Agri Business Loan Base Rate + 0.50 to 6.00
5. Loans against Government Bonds, Deposits of Financial Institutions and first class foreign bank guarantee
(i) Loan against Govt. Bonds Base Rate + 0.50 to 6.00
(ii) Loan against Fixed Deposits/Other local currency Deposit of BOK Base Rate +Upto 6.00
(iii) Loan against Fixed Deposits of other Financial Institutions Base Rate + 0.50 to 6.00
(iv) Loan against Foreign Currency Deposits Base Rate + 0.50 to 6.00
v) Loan against First Class Foreign Bank Guarantee Base Rate + 0.75 to 6.00
6. Other Loans
(i) Gold / Ornaments Financing (against Pledge) Base Rate + 1.00 to 6.00
(ii) Loan Against Shares Base Rate + 0.50 to 6.00
(iii) Personal Loan Base Rate + 1.00 to 6.00
7. Unarranged Loans/Forced Loans and uncollected dues Base Rate + 6.00
8. Foreign Currency Loans  
(i) USD Loan LIBOR + 1.50 to 4.00
(ii) Other Foreign Currency Loan 3.00 to 7.00

Base Rate as of Kartik 2074

Base Rate: 10.63%

Interest Rate Spread: 4.16%

 

Notes :

  • Terms and Conditions (including Minimum Balance, Interest Rates) for various Savings Deposits, Call Deposits and Fixed Deposits will be as per the Bank's Rule and informations can be obtained from Bank's Branch Offices and Bank's official website : www.bok.com.np
  • Interest Rates on Foreign Currency Deposits will be provided based on International Market.
  • Interest rates on Loans and Advances are indicative only.
  • 16% p.a. (Including Penal Interest).
  • Overdraft Interest Rate plus 2% p.a. (Penal Interest Rate).
  • Applicable Loan Interest Rate plus 2% p.a. (Penal Interest Rate).
  • Interest Rates on NRB Refinance Loans will be as stated by Nepal Rastra Bank
  • Interest Rates on Loans under Syndicated Finance will be as per the Syndicated Loan Agreement / Arrangement.
  • For Loans against Fixed Deposits, the applicable rates will be 2% over coupon rates of Fixed Deposits or interest rate as per Point No. 6 "Loan against Deposits of BOK", whichever is higher.

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