| Corporate | Manufacturing | Service | Trading |
| Working Capital-Term | 0.50-2.50 | 0.50-2.50 | 0.50-2.50 |
| Working Capital-Revolving | 0.25-2.25 | 0.50-2.50 | 0.25-2.25 |
| Working Capital-TR | 0.15-2.15 | 0.15-2.15 | 0.15-2.15 |
| Cash Credit | 0.25-2.25 | 0.50-2.50 | 0.25-2.25 |
| Term/Hire Purchase | 0.50-2.50 | 0.50-2.50 | 1-3 |
| Mid-Corporate | Manufacturing | Service | Trading |
| Working Capital-Term | 0.75-2.75 | 0.75-2.75 | 0.75-2.75 |
| Working Capital-Revolving | 0.75-2.75 | 0.75-2.75 | 0.75-2.75 |
| Working Capital-TR | 0.50-2.50 | 0.50-2.50 | 0.50-2.50 |
| Cash Credit | 0.75-2.75 | 0.75-2.75 | 0.75-2.75 |
| Term | 0.75-2.75 | 0.75-2.75 | 0.75-2.75 |
| SME/MSME | Manufacturing | Service | Trading |
| Working Capital-Term | 1-3 | 1-3 | 1-3 |
| Working Capital-Revolving | 1-3 | 1-3 | 1-3 |
| Cash Credit | 1-3 | 1-3 | 1-3 |
| Term | 1-3 | 1-3 | 1-3 |
| Project Finance | Manufacturing | Service & Healthcare | Tourism & Hospitality |
| Working Capital-Term | 0.50-2.50 | 0.50-2.50 | 0.25-2.25 |
| Working Capital-Revolving | 0.25-2.25 | | |
| Working Capital-TR | 0.50-2.50 | | |
| Cash Credit | 0.50-2.50 | | |
| Term | 0.50-2.50 | | |
| Energy Financing | Manufacturing | Power Generation | Trading |
| Working Capital-Term | 1-3 | - | 1-3 |
| Working Capital-Revolving | 1-3 | 0.25-2.25 | 1-3 |
| Cash Credit | 1-3 | 0.25-2.25 | 1-3 |
| Term Loan | 1-3 | - | 1-3 |
| Bridge Gap | 1-3 | 0.50-2.50 | - |
| Term-Hydro | - | 0.25-2.25 | - |
| Term-Utility Scale Solar | - | 0.25-2.25 | - |
| Term-Roof Top Solar | | 1-3 | |
| Term-Others | 1-3 | 0.5-2.5 | 1-3 |
| Agriculture | All Sectors | | |
| Working Capital-Term | 1-3 | | |
| Working Capital-Revolving | 1-3 | | |
| Cash Credit | 1-3 | | |
| Term Loan | 1-3 | | |
| Corporate-Agriculture | 0.25-2.25 | | |
| Retail | | | |
| Housing Up to 25 Mio | 0.5-2.5 | | |
| Housing Above 25 Mio | 0.5-2.5 | | |
| Auto Loan | Personal | Business | Public/Commercial |
| Electric Vehicle | 0.5-2.5 | 1-3 | 2-4 |
| ICE Vehicle | 2.5-4.5 | | |
| Land Purchase-Up to 10 Mio | 1-3 | | |
| Land Purchase-Above 10 Mio | 2-4 | | |
| Loan Against Property | 1.50-3.50 | | |
| Margin Lending | 1-3 | | |
| NMB Talab Karja | 2-4 | | |
| Personal Overdraft | 2.5-4.5 | | |
| Other Retail Loan | 2-4 | | |
| Education Loan | 2.5-4.5 | | |
| Micro-Finance (Retail & Wholesale) | 0-2 | | |
| Trade Contract Sales-Funded Lines | 1-3 | | |
| Loan Against Government Securities | Base Rate or Coupon Rate (whichever is higher) plus up to 2% | | |
| Loan Against own FDR | | | |
| Loan & Advances- FCY | | | |
| USD Term Loan/TR Loan | Benchmark Rate plus Up to 3% | | |
| TR Loan | 5.25% | | |
| Fixed Interest Rate Loan Products | Interest Rate (% Per Annum) | | |
| Project Finance | BR+ Up to 2% | | |
| Energy Financing | BR+ Up to 2% | | |
| Fixed Rate Home Loan | | | |
| Sulav Ghar Karja-Upto 10 Yrs Fixed plus Floating | | | 9.99% |
| Note: applicable Floating Rate Premium Post Fixed tenure will be 2.99% | | | |
| Upto 5 Years | 5 to 10 Yrs | Above 10 Yrs |
| Fixed Rate: Other Retail Term Loans | 13.00% | 13.50% | 14.00% |
| NMB Sulav Auto Loan-electric-Up to 5 Yrs | 8.89% | | |
| NMB Sulav Auto Loan-electric-Above 5 to 7 Yrs | 8.99% | | |
| Notes on Approval Authority | | | |
| - The existing interest rate can be continued for the renewal of existing loan accounts; however, the applicable interest rate should be within the range as per above table. This shall not require approval as per stipulated CAD. | | | |
| - Respective DECOs shall have authority to revise the interest rate on existing loan accounts as per their approval CAD | | | |
| - Respective State Heads and above shall have authority to approve interest rate on Loan Against FD and Loan Against G-Sec as: 'BR or Coupon Rate plus 0.25% whichever is higher' to individual clients. For the institutions, the approval must be obtained from respective DCEOs. | | | |
| - * Segment Heads means: Chief-Wholesale Banking, Chief Retail and Small Business Loans, and other Segment Heads corresponding to their Business Verticals | | | |
| - MSME Loans (Renewals and Fresh) up to Rs. 10 Mio shall be booked within BR+2%. | | | |
| Notes in General | | | |
| - Interest rate for Consortium Loan shall be as per Consortium decision | | | |
| - Interest rate for Subsidy Loan shall be as per NRB Directive | | | |
| - Interest rate on loan products directed by NRB for any specific sector shall be as per NRB Directives. | | | |
| - Interest rate for environmentally friendly housing (green homes) will be 0.5% lesser. | | | |
| - Interest rates on loan products do not apply for substandard, below category loan accounts and recovery accounts if not renewed or restructured | | | |
| - Benchmark Rate : as per NRB directive | | | |
