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Rates & Tariffs

Exchange Rates

Exchange Rates
Following rates are valid for transactions equivalent to USD 5,000/- only.
Last updated at Thu, Dec 7, 2023 9:13 AM

Currency Name Currency Code Currency Travelers Cheques Telegraphic Transfers
Buying Rate Selling Rate Buying Rate Selling Rate Buying Rate Selling Rate
US Dollar USD 318.50 331.50 319.96 331.50 321.50 331.50
British Pound GBP 396.68 419.50 398.49 419.50 400.41 419.50
Euro EUR 339.63 360.13 341.19 360.13 342.83 360.13
Switzerland Francs CHF 359.79 383.13 361.43 383.13 363.17 383.13
New Zealand Dollar NZD 191.75 206.21 192.63 206.21 193.56 206.21
Japanese Yen JPY 2.1539 2.2725 2.1637 2.2725 2.1741 2.2725
Singapore Dollar SGD 235.50 248.79 236.58 248.79 237.72 248.79
Hong Kong Dollar HKD 40.61 42.60 40.80 42.60 41.00 42.60
Australian Dollars AUD 204.91 219.90 205.85 219.90 206.84 219.90
Canadian Dollars CAD 232.49 245.56 233.55 245.56 234.68 245.56
Danish Krone DKK 45.32 48.56 45.53 48.56 45.75 48.56
Norwegian Kroner NOK 28.75 30.48 28.89 30.48 29.02 30.48
Swedish Krona SEK 30.11 31.94 30.25 31.94 30.39 31.94
Thai Baht THB 8.77 9.66 8.81 9.66 8.86 9.66
United Arab Emirates Dirham AED 84.44 92.80 84.82 92.80 85.23 92.80
Bahraini Dinar BHD 823.08 891.22 0.00 891.22 0.00 891.22
Kuwaiti Dinar KWD 983.87 1091.47 0.00 1091.47 0.00 1091.47
Omani Rial OMR 806.39 872.44 0.00 872.44 0.00 872.44
Saudi Arabian Riyal SAR 82.72 90.81 0.00 90.81 83.50 90.81
Yuan Renminbi CNY 43.87 47.60 0.00 46.95 44.28 46.95
Chinese Yuan Renminbi CNH 43.82 47.55 0.00 46.90 44.24 46.90
Indian Rupee INR 0.00 0.00 0.00 3.98 3.86 3.98

Service Charges

Service Charges

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Interest Rates On Deposits

Fixed Deposits Savings Deposits Foreign Currency Savings Deposits Foreign Currency Fixed Deposits
Fixed Deposits
Fixed Deposits Min. rate as at
07-12-2023
Annual Effective Rate as at
07-12-2023
1 Month
>Interest Payable at Maturity 9.00 % 9.38 %
3 Months
>Interest Payable Monthly 10.60 % 11.13 %
>Interest Payable at Maturity 11.00 % 11.46 %
6 Months
>Interest Payable Monthly 9.60 % 10.03 %
>Interest Payable at Maturity 10.00 % 10.25 %
9 Months
>Interest Payable Monthly 9.60 % 10.03 %
>Interest Payable at Maturity 10.00 % 10.10 %
1 year
>Interest Payable Monthly 10.50 % 11.02 %
>Interest Payable at Maturity 11.00 % 11.00 %
2 years
>Interest Payable Monthly 10.20 % 10.69 %
>Interest Payable at Maturity 11.25 % 10.68 %
3 years
>Interest Payable Monthly 10.10 % 10.58 %
>Interest Payable at Maturity 11.75 % 10.59 %
4 years
>Interest Payable Monthly 10.20 % 10.69 %
>Interest Payable at Maturity 12.50 % 10.67 %
5 years
>Interest Payable Monthly 10.05 % 10.53 %
>Interest Payable at Maturity 13.00 % 10.53 %
14 Months
>Interest Payable at Maturity 11.00 % 10.90 %
>Interest Payable Monthly 10.50 % 11.02 %
Savings Deposits
Savings Deposits Description Rate as at 07-12-2023
Easy Saver Tier 1 0-999.99
Tier 2 1,000 & above
0.00 %
2.50 %
Big Saver Tier 1 0 - 999.99
Tier 2 1,000 - 49,999.99
Tier 3 50,000 & above
0.00 %
2.00 %
4.00 %
Salary Max Savings Tier 1 0 - 999.99
Tier 2 1,000.00 above
0.00 %
2.50 %
Shilpa Children's Savings Account Tier 1 0- 999.99
Tier 2 1,000 & above
Tier 3 Rewards Interest (Net)
0.00 %
3.00 %
6.00 %
Real Saver Tier 1 0 - 999.99
Tier 2 1,000 and above
Tier 3 Reward Interest (Net)
0.00 %
2.00 %
4.00 %
Vismitha Tier 1 0-1,999.99
Tier 2 2,000 & above
0.00 %
2.50 %
Money Market Savings Tier 1 0 - 999,999.99
Tier 2 1,000,000.00 & above
2.00 %
10.00 %
High End Saver Tier 1 0 - 999,999.99
Tier 2 1,000,000.00 & above
0.00 %
4.00 %
Araliya Savings Tier 1 0 - 999.99
Tier 2 1000.00 & above
Reward Interest (Net)
0.00 %
2.50 %
3.25 %
Aachara Savings Tier 1 0 - 200.00
Tier 2 201.00 & above
0.00 %
4.00 %
Saving Planner - Individual 1 year
2-5 years
6-10 Years
8.00 %
9.00 %
9.00 %
Saving Planner - Minor 1 year
2 - 5 years
6-18 years
8.00 %
9.00 %
9.00 %
Savings Certificate N/A N/A
7.00 %
Big Saver Plus - NDB Tax Caretaker Tier 1 0-99,999.99
Tier 2 100,000 - 999,999.99
Tier 3 1 Million & above
2.00 %
3.50 %
4.00 %
Reverse Planner 5-20 years
9.00 %
NDB Zee Tier 1 0-24,999.99
Tier 2 25,000 -999,999.99
Tier 3 100,000 & Above
3.00 %
4.00 %
5.00 %
Corporate Saver Tier 1 0-999,999.99
Tier 2 1,000,000.00 - 9,999,999.99
Tier 3 10,000,000.00 & above
0.00 %
2.00 %
5.00 %
Foreign Currency Savings Deposits
Foreign Currency Savings Deposits Min. rate as at
07-12-2023
Annual Effective Rate as at
07-12-2023
US Dollar 1.00 % 0.00 %
Sterling Pound 1.00 % 0.00 %
Euro 0.75 % 0.00 %
Australian Dollar 2.00 % 0.00 %
Canadian Dollar 1.00 % 0.00 %
Norwegian Krone 0.25 % 0.00 %
Singapore Dollar 0.25 % 0.00 %
Swedish Krona 0.15 % 0.00 %
Danish Krone 0.10 % 0.00 %
New Zealand Dollar 2.00 % 0.00 %
Hong Kong Dollar 0.25 % 0.00 %
Foreign Currency Fixed Deposits
Foreign Currency Fixed Deposits Annual Effective Rate as at
07-12-2023
Min. rate as at

07-12-2023
US Dollar
>01 Month 4.00 % 0.00 %
>03 Months 4.75 % 0.00 %
>06 Months 5.00 % 0.00 %
>12 Months (Monthly) 4.90 % 0.00 %
>12 Months (Maturity) 5.00 % 0.00 %
>24 Months (Monthly) 4.90 % 0.00 %
>24 Months (Maturity) 5.10 % 0.00 %
>36 Months 5.25 % 0.00 %
>48 Months 5.40 % 0.00 %
>60 Months 5.50 % 0.00 %
Sterling Pound
>01 Month 2.00 % 0.00 %
>03 Months 3.25 % 0.00 %
>06 Months 3.75 % 0.00 %
>12 Months (Maturity) 4.25 % 0.00 %
>12 Months (Monthly) 4.15 % 0.00 %
>24 Months 4.25 % 0.00 %
>36 Months 4.25 % 0.00 %
>48 Months 4.25 % 0.00 %
>60 Months 4.25 % 0.00 %
Euro
>01 Month 2.00 % 0.00 %
>03 Months 2.75 % 0.00 %
>06 Months 3.25 % 0.00 %
>12 Months 3.75 % 0.00 %
>24 Months 3.75 % 0.00 %
>36 Months 3.75 % 0.00 %
>48 Months 3.75 % 0.00 %
>60 Months 3.75 % 0.00 %
Australian Dollar
>01 Month 2.50 % 0.00 %
>03 Months 3.25 % 0.00 %
>06 Months 3.75 % 0.00 %
>12 Months 4.49 % 0.00 %
>24 Months 4.50 % 0.00 %
>36 Months 4.50 % 0.00 %
>48 Months 4.50 % 0.00 %
>60 Months 4.50 % 0.00 %
Canadian Dollar
>01 Month 1.25 % 0.00 %
>03 Months 1.50 % 0.00 %
>06 Months 1.75 % 0.00 %
>12 Months 2.00 % 0.00 %
Japanese Yen
>1 Month 1.00 % 0.00 %
>12 Months 2.25 % 0.00 %
>3 Months 1.50 % 0.00 %
>6 Months 2.00 % 0.00 %
Norwegian Krone
>1 Month 1.00 % 0.00 %
>12 Months 2.25 % 0.00 %
>3 Months 1.50 % 0.00 %
>6 Months 2.00 % 0.00 %
New Zealand Dollar
>1 Month 2.00 % 0.00 %
>12 Months 3.50 % 0.00 %
>3 Months 3.00 % 0.00 %
>6 Months 3.25 % 0.00 %
Singapore Dollar
>1 Month 1.00 % 0.00 %
>12 Months 2.00 % 0.00 %
>3 Months 1.25 % 0.00 %
>6 Months 1.50 % 0.00 %
Hong Kong Dollar
>1 Month 0.50 % 0.00 %
>12 Months 2.00 % 0.00 %
>3 Months 1.00 % 0.00 %
>6 Months 1.50 % 0.00 %
Swedish Krona
>1 Month 0.50 % 0.00 %
>12 Months 1.50 % 0.00 %
>3 Months 1.00 % 0.00 %
>6 Months 1.25 % 0.00 %

Interest Rates On Advances

Interest Rates On Advances
Description Min. rate as at
07-12-2023
Max. rate as at
07-12-2023
Others as at
07-12-2023
Home Loans
> Home Loans (Variable interest rate) 14.75% 15.50% 0%
Pawning
> Pawning 15.75% 16.50% 0%
Personal Loans
> General personal loan 24.00% 27.00% 0%
> Special rate for doctors 24.00% 24.00% 0%
Unit trust backed facilities
> Overdraft 19.75% 0% 0%
Solar Vantage Loans (ADB)
Aachara Loans
> Aachara Loans 1-7 Years 18.50% 18.50% 0%
> Aachara Loans 8-15 Years 19.00% 19.00% 0%
Share backed Facilities
> Margin trading 21.75% 0% 0%
> Overdraft 21.75% 0% 0%
Credit Cards
> Silver / Gold 3.00% 0% 0%
> Platinum / Signature 3.00% 0% 0%
> Infinite / Infinite Select 3.00% 0% 0%
Gold Loan
> Gold Loan 15.75% 16.50% 0%
Salary Max Loan
> Salary Max Loan 18.00% 18.00% 0%
Refinance Schemes
Refinance Schemes Min. rate as at
07-12-2023
Max. rate as at
07-12-2023
Others as at
07-12-2023
Central Bank Refinance Schemes
Refinance Schemes Min. rate as at
07-12-2023
Max. rate as at
07-12-2023
Others as at
07-12-2023
SMILE III Revolving Loan Scheme
Agriculture & Animal Husbandry
>Commercial Scale Dairy Development Loan Scheme N/A 8.0 (Fixed Rate) N/A
>new Comprehensive Rural Credit Scheme (NCRCS) N/A 7.0 (Fixed Rate) N/A
>Saubagya Loan Scheme N/A 8.0 (Fixed Rate) N/A
>Small & Medium Enterprises Line of Credit (SMELOC) N/A 13.5 N/A
>Kapruka Ayojana Loan Scheme N/A 9.0 N/A
>E Friends Revolving Loan Scheme N/A 7.0 N/A
>Jaya Isura 6.75% 10.0 N/A
>IFC Agriculture Loan Scheme N/A 10.0 N/A
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