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Nepal Investment Mega Bank

Class A — Commercial BankPrivateनिक्षेप सुरक्षित

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270
शाखा
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एटीएम
27
Products
Asar 2083
लागू मिति

Rates at a glance

आधार दर
4.80%
Best FD
5.25%
Best savings
4.75%
Home loan from
5.55%

Deposit rates

ProductTypeTenorDepositorRate p.a.
Fixed DepositFixed2yr+individual5.25%
Remittance SavingsRemittance—individual4.75%
Fixed DepositFixed1yr–2yrindividual4.75%
Fixed DepositFixed6mo–1yrindividual4.25%
Fixed DepositFixed3mo–6moindividual3.50%
Fixed DepositFixed5yr+institutional3.50%
Fixed DepositFixed2yr–5yrinstitutional3.00%
Fixed DepositFixed1yr–2yrinstitutional2.75%
Normal SavingsNormal Savings—individual2.75%

Loan rates

ProductEffective rateBasePremium
Housing Loan up to NPR 30 mio—4.80%—
Housing Loan above NPR 30 mio (Real Estate Categorization)6.80%–8.80%4.80%+2.00%–4.00%
Eco Home Loan5.55%–5.55%4.80%+0.75%–0.75%
Fixed Rate Housing Loan up to NPR 30 mio (7 years)7.00% (fixed)4.80%—
Hire Purchase - Individual including EV5.30%–7.30%4.80%+0.50%–2.50%
Hire Purchase - Commercial6.30%–8.30%4.80%+1.50%–3.50%
EV Loan5.80%–7.80%4.80%+1.00%–3.00%
Personal Loan - POD (Personal Overdraft)7.30%–9.30%4.80%+2.50%–4.50%
Personal Loan - PML (Personal Mortgage Loan)6.30%–8.30%4.80%+1.50%–3.50%
Margin Lending (OD / Time Loan against shares)5.80%–7.80%4.80%+1.00%–3.00%
Loan against Fixed Deposit (Coupon Rate + premium or Base Rate, higher)6.05%–8.05%4.80%+1.25%–3.25%
Loan Against Pledge of Gold / Silver7.80%–9.80%4.80%+3.00%–5.00%
Education Loan7.30%–9.30%4.80%+2.50%–4.50%
Cash Credit / Working Capital Loan (Overdraft)6.30%–8.80%4.80%+1.50%–4.00%
Short Term / Working Capital Loan5.05%–8.30%4.80%+0.25%–3.50%
Term Nature Loan (Long/Medium Term, Business)6.05%–8.80%4.80%+1.25%–4.00%
SME / MSME / Agro / Retail - Fixed Rate 1 year7.33% (fixed)4.80%—
SME / MSME / Agro / Retail - Fixed Rate 5 years8.33% (fixed)4.80%—
Project / Corporate Financing - Fixed Rate 1 year7.00% (fixed)4.80%—
Specified Productive Sector Loans (incl. Agriculture)—4.80%—
Trust Receipt / Import Loan5.30%–7.80%4.80%+0.50%–3.00%
Export Pre/Post Shipment Credit Loan (LCY)5.80%–8.30%4.80%+1.00%–3.50%

Cards

CardNetworkAPRAnnual feeGrace days
NIMB Visa Classic Credit Card Classicvisa24.00%——
NIMB Visa Gold Credit Card Goldvisa24.00%——

Products & Services

Deposits

14
Lotus Savings Account

A general-purpose savings account for all customer segments with low minimum balance.

  • Minimum balance NPR 2,500 inside Kathmandu Valley
  • Minimum balance NPR 1,000 outside Valley
  • Interest 3.00% p.a.
  • Free NIMB Smart mobile & e-banking
  • VISA or MasterCard debit card
  • Cheque book on request
  • DEMAT and credit card eligibility
E-Zee Savings Account

A premium savings account with higher minimum balance and full feature set.

  • Minimum balance NPR 50,000
  • Interest 3.00% p.a.
  • Free cheque book on request
  • VISA and MasterCard debit cards
  • NIMB Smart mobile & e-banking
  • Integrated DEMAT facility
  • Credit card from NPR 50,000 limit
E-Zee Student Savings Account (ESA)

A savings account designed for students.

  • Interest 3.00% p.a.
  • NIMB Smart mobile & e-banking
  • Debit card facility
KetaKeti Bachat Khata

A children's savings account for minors below 18 years.

  • For children below 18 years
  • Interest 3.00% p.a.
  • NPR 100 welcome deposit on first account
  • Linkable to NIMB Smart app
  • ConnectIPS interbank transfers
  • VISA/MasterCard debit card under guardian
Triple Benefit Plus Savings Account

A one-window account combining savings, Demat and broker accounts for stock investors.

  • Minimum balance NPR 500
  • Interest 3.00% p.a.
  • Free Demat, MeroShare & Broker registration
  • Free C-ASBA and CRN registration
  • Free cheque book on request
  • VISA or MasterCard debit card
  • Free NIMB Smart & e-commerce registration
Afnai Bachat Khata

A basic savings account that can be opened with as little as NPR 1.

  • Open with NPR 1
  • Interest 3.00% p.a.
  • Mobile & internet banking
  • Debit card facility
Janani Janmabhumi Savings Account

A remittance-focused dual savings account (LCY and FCY variants) for Nepalis earning abroad.

  • Interest 5.00% p.a.
  • Available in local and foreign currency
  • Targeted at remittance customers
  • Mobile & internet banking
Prithvi Remittance Account

A savings account tied to inward remittance with a higher interest rate.

  • Interest 5.00% p.a.
  • For remittance-receiving customers
  • Mobile & internet banking
NIMB Green Future Savings Account

A savings account with a slightly higher rate.

  • Interest 4.00% p.a.
Nawa Aayam Bachat Khata

A savings account scheme with an enhanced rate.

  • Interest 3.90% p.a.
Individual Fixed Deposit (NPR)

A term deposit for individuals with tenure-based interest paid quarterly.

  • 3 to 6 months: 4.25% p.a.
  • Above 6 months to 1 year: 5.00% p.a.
  • Above 1 to 2 years: 6.00% p.a.
  • Above 2 years: 6.50% p.a.
  • Minimum tenure 3 months
  • Interest paid quarterly
Remittance Fixed Deposit (NPR)

A term deposit for funds received from abroad with higher rates.

  • 1 year: 6.00% p.a.
  • Above 1 to 2 years: 7.00% p.a.
  • Above 2 years: 7.50% p.a.
  • Only for legitimate funds from abroad
FCY Fixed Deposit

A foreign-currency term deposit.

  • USD deposit: 4.00% p.a.
  • Other currencies: 2.50% p.a.
FCY Savings Account

A foreign-currency savings account.

  • USD savings: 3.00% p.a.
  • Other currencies: 1.50% p.a.

Loans

8
Home Loan (Ghar Karja)

An installment housing loan for purchase, construction, renovation or extension of property.

  • Loan NPR 1 million to 200 million
  • LTV up to 60% of fair market value
  • Up to 100% of construction cost (within LTV)
  • Tenure up to 30 years
  • 20 years for 100% remittance income
  • Repaid via EMI or quarterly installments
  • Debt burden ratio max 50% of income
  • Borrower age 25 to 70 years
Personal Loan

A mortgage or overdraft loan to meet personal financial requirements.

  • Mortgage loan NPR 0.5 million to 250 million
  • Overdraft loan NPR 0.5 million to 5 million
  • Tenure up to 30 years (mortgage)
  • Overdraft 1 year revolving
  • LTV up to 50% of fair market value
  • Debt burden ratio max 50% of income
  • Grace period up to 1 year
Auto Loan

A vehicle financing loan for new and used vehicles.

  • Loan NPR 1 million to 25 million
  • Up to 50% of proforma invoice
  • EMI max 50% of gross income
  • Businesses need DSCR of 1.1x
  • For citizens, firms and companies
Loan Against Fixed Deposit

A loan secured by the borrower's fixed deposit as collateral.

  • Up to 90% of fixed deposit value
  • Interest = coupon rate + up to 3% premium
  • Tenure 1 year revolving
  • Cannot exceed FD maturity
  • Overdraft or time-loan repayment
  • For Nepali citizens and entities with FD
Hire Purchase Loan

A vehicle/equipment financing loan on hire-purchase terms.

Business Loan

A financing facility for business and working-capital needs.

Clean Social Loan

An unsecured personal loan for social and personal obligations.

Deprived Sector & Subsidized Loans

Concessional/subsidized lending under NRB deprived-sector requirements.

Cards

5
Debit Card

VISA and MasterCard debit cards linked to NIMB accounts.

  • VISA and MasterCard options
  • Accepted at ATMs, POS and online
  • EMV chip-based security
  • Contactless Tap & Pay
Credit Card

VISA credit cards in domestic and international variants.

  • Gold and Classic domestic variants
  • International credit card available
  • Usable at merchants, e-commerce and ATMs
  • Domestic valid in Nepal, India & Bhutan
  • Limit from NPR 50,000 based on income
Travel Card

A prepaid card pre-loaded with foreign currency for international travel.

  • Loadable with foreign currency
  • VISA/MasterCard accepted globally
  • Usable at ATMs, POS and online
  • For international travel (excludes India/Bhutan)
Virtual Prepaid International Card

A virtual (no physical) prepaid card for online foreign purchases.

  • No physical card issued
  • For online foreign purchases
  • Requires PAN to issue
NIMB Paywear

A wearable contactless payment device.

  • Contactless Tap & Pay payments

Digital & e-services

3
NIMB Smart (Mobile Banking)

The bank's unified mobile, internet and digital-payment app.

  • Balance enquiry & mini-statements
  • Fund transfers within NIMB & other banks
  • QR / Fonepay merchant payments
  • Utility bill payment & mobile recharge
  • Free transfers within NIMB accounts
  • 128-bit SSL encryption
Internet Banking (e-Banking)

Web-based banking portal for account management and transfers.

  • View balance and statements
  • Interbank transfers via ConnectIPS
  • Online bill payments
  • Access from desktop or mobile
NIMB Smart Portal

Desktop web portal for digital banking and investment services.

  • Balance, statements & transfers
  • ConnectIPS transfers
  • Bill payment and recharge

Remittance

2
Prithivi Remit

NIMB's web-based inward/outward remittance system with nationwide payout.

  • Real-time remittance request updates
  • Cash payout or account credit
  • More than 15,000 payout locations
  • Domestic and international agents
Western Union

International money-transfer service available through NIMB.

  • Receive cash within minutes
  • Counter, online and SMS channels
  • 500,000+ outlets in 200+ countries

Trade Finance

3
Letter of Credit (LC)

Documentary credit instrument for settling import/export trade payments.

  • Guarantees payment to the seller
  • For import and export transactions
Bank Guarantee

Guarantees issued to support customer contracts and commitments.

  • Bid bond / tender guarantees
  • Performance guarantees
  • Customs and financial guarantees
Trade Services

NIMB's overall trade-finance product suite for import/export clients.

Digital & e-services

Internet banking
Fonepay QR
connectIPS
RTGS
Locker
Demat / DP
C-ASBA (IPO)
Trade finance (LC)

Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.