| A. Interest rate as per loan type | |||||
| S.N | Loan Type |
Changed interest rate (base rate + premium)
|
Fixed interest rate
|
||
| Baserate | Premium | Interest Rate | |||
|
1 |
Non Collateral Loan |
|
|
|
|
|
1.1 |
Normal Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
1.2 |
Education and Cleanliness Loan |
11.59% |
2.91% |
14.5% |
14.5% |
|
1.3 |
Disaster Home Loan |
11.59% |
2.41% |
14% |
14% |
|
1.4 |
Consumer Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
1.5 |
Alternate Energy and Micro Home Loan |
|
|
|
|
|
1.5.1 |
Alternate Energy Loan |
11.59% |
2.91% |
14.5% |
14.5% |
|
1.5.2 |
Micro Home Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
1.6 |
Disipline Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
1.7 |
Special Disipline Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
1.8 |
Emergency Loan |
11.59% |
2.91% |
14.5% |
14.5% |
|
1.9 |
Entrepreneurship Development Loan |
11.59% |
2.91% |
14.50% |
14.50% |
|
2 |
Collateral Based Loan |
|
|
|
|
|
2.1 |
समूह जमानी आधारको धितो कर्जा |
|
|
|
|
|
2.1.1 |
Micro Enterprise Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
2.1.2 |
Collateral Entrepreneurship Development Loan |
11.59% |
2.91% |
14.5% |
14.5% |
|
2.1.3 |
Home Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
2.2 |
Individual Loan |
11.59% |
3.00% |
14.59% |
14.59% |
|
B. Interest rate according to unit based loan type |
|||||
| S.N | Loan Type | Changed interest rate (base rate + premium) | Fixed interest rate | ||
| Baserate | Premium | Interest Rate | |||
|
1 |
Unit Home Loan |
11.59% |
0% |
11.59% |
11.59% |
|
2 |
Group Business Loan |
11.59% |
2.41% | 14% | 14% |
NOTE:-
१. २०८१ चैत्र देखि २०८२ जेष्ठसम्म (पछिल्लो ३ महिना) को औषत आधार दर ११.५९% रहेको छ ।
२. परिवर्तनीय ब्याजदर (Adjustable Interest Rate) मा प्रवाह भएको कर्जाको हकमा कर्जाको प्रस्ताव पत्र (Offer Letter) मा उल्लेख गरिएको प्रिमियम दर कर्जा अवधिभर परिवर्तन गरिने छैन ।
३. स्थिर ब्याजदर (Fixed Interest Rate) मा प्रवाह भएको कर्जाको हकमा कर्जाको प्रस्ताव पत्र (Offer Letter) मा उल्लेख गरिएको ब्याजदर कर्जा अवधिभर परिवर्तन हुने छैन ।
४. मिति २०८२-०४-०१ भन्दा अगाडि प्रवाह भई हाल बक्यौता रहेको कर्जाको हकमा कर्जा प्रवाह भएको बखतको ब्याजदर नै कायम हुनेछ ।
५. दलित, मुक्त कमैया, वादी, हलिया, द्वन्द्व पिडित, एकल महिला, अपाङ्ग तथा जेष्ठ नागरिकहरुको हकमा माथि उल्लेखित व्याजदरमा १ प्रतिशत बिन्दुले ब्याज सहुलियत प्रदान गरिनेछ ।
६. अन्य ब्यवस्था तथा शर्तहरु नेपाल राष्ट्र बैंकबाट लघुवित्त संस्थाहरुलाई जारी गरिएको निर्देशन बमोजिम हुनेछ ।