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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, Feb 2, 2023 9:55 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 361.00 370.00 358.00 370.00 360.00 370.00
British Pound GBP 437.64 461.98 439.84 461.98 442.30 461.98
Euro EUR 388.89 411.35 390.84 411.35 393.03 411.35
Switzerland Francs CHF 388.32 412.35 390.27 412.35 392.46 412.35
New Zealand Dollar NZD 229.10 245.37 230.25 245.37 231.53 245.37
Japanese Yen JPY 2.7500 2.9013 2.7638 2.9013 2.7793 2.9013
Singapore Dollar SGD 273.94 285.90 272.42 285.90 273.94 285.90
Hong Kong Dollar HKD 45.25 47.37 45.48 47.37 45.73 47.37
Australian Dollars AUD 253.49 267.94 252.08 267.94 253.49 267.94
Canadian Dollars CAD 266.07 280.57 267.41 280.57 268.91 280.57
Danish Krone DKK 51.98 55.62 52.25 55.62 52.54 55.62
Norwegian Kroner NOK 35.67 37.81 35.85 37.81 36.05 37.81
Swedish Krona SEK 34.21 36.24 34.39 36.24 34.58 36.24
Thai Baht THB 10.57 11.67 10.62 11.67 10.68 11.67
United Arab Emirates Dirham AED 96.45 103.56 94.89 103.56 95.42 103.56
Bahraini Dinar BHD 932.94 994.76 0.00 994.76 0.00 994.76
Kuwaiti Dinar KWD 1127.07 1232.10 0.00 1232.10 0.00 1232.10
Omani Rial OMR 915.11 974.99 0.00 974.99 0.00 974.99
Saudi Arabian Riyal SAR 93.71 101.30 0.00 101.30 93.45 101.30
Yuan Renminbi CNY 52.34 56.34 0.00 55.92 52.81 55.92
Chinese Yuan Renminbi CNH 52.31 56.31 0.00 55.88 52.78 55.88
Indian Rupee INR 0.00 0.00 0.00 4.52 4.39 4.52

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
02-02-2023
Annual Effective Rate as at
02-02-2023
1 Month
>Interest Payable at Maturity 12.00 % 12.68 %
3 Months
>Interest Payable Monthly 16.10 % 17.34 %
>Interest Payable at Maturity 17.00 % 18.11 %
6 Months
>Interest Payable Monthly 16.75 % 18.10 %
>Interest Payable at Maturity 18.00 % 18.81 %
9 Months
>Interest Payable Monthly 17.10 % 18.51 %
>Interest Payable at Maturity 18.50 % 18.83 %
1 year
>Interest Payable Monthly 17.50 % 18.97 %
>Interest Payable at Maturity 19.00 % 19.00 %
2 years
>Interest Payable Monthly 16.20 % 17.46 %
>Interest Payable at Maturity 19.00 % 17.47 %
3 years
>Interest Payable Monthly 15.10 % 16.19 %
>Interest Payable at Maturity 19.00 % 16.23 %
4 years
>Interest Payable Monthly 14.50 % 15.50 %
>Interest Payable at Maturity 19.50 % 15.50 %
5 years
>Interest Payable Monthly 13.95 % 14.88 %
>Interest Payable at Maturity 20.00 % 14.87 %
Savings Deposits
Savings Deposits Description Rate as at 02-02-2023
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 & above
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 %
14.50 %
High End Saver & Corporate 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 2-5 years
1 year
6-10 Years
15.00 %
15.00 %
14.00 %
Saving Planner - Minor 2 - 5 years
6-18 years
1 year
15.00 %
14.00 %
15.00 %
Savings Certificate N/A N/A
7.00 %
Big Saver Plus - NDB Tax Caretaker Tier 1 0-99,999.99
Tier 2 100,000 - 9999,999.99
Tier 3 1 Million & above
2.00 %
3.50 %
4.00 %
Reverse Planner 5-20 years
14.00 %
NDB Zee Tier 1 0-999.99
Tier 2 1,000 & above
0.00 %
3.00 %
Foreign Currency Savings Deposits
Foreign Currency Savings Deposits Min. rate as at
02-02-2023
Annual Effective Rate as at
02-02-2023
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
02-02-2023
Min. rate as at

02-02-2023
US Dollar
>01 Month 5.00 % 0.00 %
>03 Months 5.75 % 0.00 %
>06 Months 6.50 % 0.00 %
>12 Months (Monthly) 6.50 % 0.00 %
>12 Months (Maturity) 6.75 % 0.00 %
>24 Months (Monthly) 7.50 % 0.00 %
>24 Months (Maturity) 8.50 % 0.00 %
>36 Months 8.50 % 0.00 %
>48 Months 9.00 % 0.00 %
>60 Months 9.50 % 0.00 %
Sterling Pound
>01 Month 3.00 % 0.00 %
>03 Months 4.25 % 0.00 %
>06 Months 4.50 % 0.00 %
>12 Months (Maturity) 5.00 % 0.00 %
>12 Months (Monthly) 4.75 % 0.00 %
>24 Months 5.00 % 0.00 %
>36 Months 5.25 % 0.00 %
>48 Months 5.50 % 0.00 %
>60 Months 6.00 % 0.00 %
Euro
>01 Month 2.50 % 0.00 %
>03 Months 3.50 % 0.00 %
>06 Months 4.00 % 0.00 %
>12 Months 4.50 % 0.00 %
>24 Months 5.00 % 0.00 %
>36 Months 5.25 % 0.00 %
>48 Months 5.50 % 0.00 %
>60 Months 6.00 % 0.00 %
Australian Dollar
>01 Month 3.25 % 0.00 %
>03 Months 4.00 % 0.00 %
>06 Months 4.50 % 0.00 %
>12 Months 5.00 % 0.00 %
>24 Months 6.00 % 0.00 %
>36 Months 6.00 % 0.00 %
>48 Months 6.50 % 0.00 %
>60 Months 7.00 % 0.00 %
Canadian Dollar
>01 Month 2.00 % 0.00 %
>03 Months 2.00 % 0.00 %
>06 Months 2.25 % 0.00 %
>12 Months 2.50 % 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
02-02-2023
Max. rate as at
02-02-2023
Others as at
02-02-2023
Home Loans
> Home Loans (Variable interest rate) 29.50% 31.0% 0%
Pawning
> Pawning 25% 25% 0%
Personal Loans
> General personal loan 30.50% 32.00% 0%
> Special rate for doctors 29.50% 30.00% 0%
Unit trust backed facilities
> Overdraft 19.75% 0% 0%
Solar Vantage Loans (ADB)
Aachara Loans
> Aachara Loans 29.95% 29.95% 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 25% 25% 0%
Salary Max Loan
> Salary Max Loan 29.50% 29.50% 0%
Refinance Schemes
Refinance Schemes Min. rate as at
02-02-2023
Max. rate as at
02-02-2023
Others as at
02-02-2023
Central Bank Refinance Schemes
Refinance Schemes Min. rate as at
02-02-2023
Max. rate as at
02-02-2023
Others as at
02-02-2023
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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