INTEREST RATES

(Effective from Baisakh 1st, 2067) April 13, 2010

Deposits	Rate per annum on daily balance
1. NCC Savings Plus	6.00%
2. Normal Savings	5.25%
3. Mahila Suraksha Bachat Khata	5.75%
4. Bal Suraksha bachat Khata	5.75%
5. Jestha Nagarik Suraksha Bachat.Khata	5.75%
6. Sharedhani Bachat Khata	plus 0.50% on Normal Savings Account
7. Karmachari Bachat Khata	plus 0.50% on Normal Savings Account
8. USD Savings Account	Quote on Request
9. Special Time Deposits	Prime*	Others
	6.00% to 10.50%	4.50% to 6.00%
* Prime STD/Call accounts have to be monitored every day and following rate shall be applied manually by every branch. The interest rate on STD Tier shall be applied based on the total amount of deposit maintained as below (indicative). However approval for the same shall be obtained from CEO.

STD / Call Balance Amount	Interest Rate
Below 1 Crore	up to 6.75%
Above 1 Crore to 2 Crores	up to 7.25%
Above 2 Crores to 4 Crores	up to 7.75%
Exceeding 4 Crores	up to 8.50%
This is indicative rate and shall be applicable as per the balance maintained. The fluctuating rate shall have to be agreed with the clients at the time of accepting the deposits. The rates are subject to change by the CEO depending upon the volume.

Note - For NCC Savings Plus Free ABBS facility is provided for maintaining minimum balance of Rs. 25,000/-
NCC Bank Staff Saving A/C	Additional 0.5% of Normal Saving A/C & shall be paid on Daily Basis.
NCC Bank Retirement Funds	Published 'Fixed Deposit Rate' for 1 year plus 0.5%
Provident Fund Deposits	Published 'Fixed Deposit Rate' for 1 year

Note - NCC Bank staff will be provided with additional 0.5% on their PF deposit.
10. Fixed Deposits	Fixed Rate	Interest Payable
a) 3 Months	8.00%	Quarterly
b) 6 Months	10.00%	Quarterly
c) 1 Year	11.00%	Quarterly

11. Institutional and Others	Fixed Rate	Interest Payable
Institutional and Others	10.00% to 13.00%	Quarterly

LOANS AND ADVANCES***	Prime % Per annum	Others % Per annum
Overdraft	12.00%	15.00%
Cash Credit	12.00%	15.00%
Loan Against NPR Fixed Deposits of NCC Bank	Plus 2%
Loan Against FCY Fixed Deposits	Plus 1%
Loan Against Govt. Bonds	Coupon Rate +2% or 12% whichever is higher
Deprived Sector             Institutional		7.00%
Others		11.00%
Term Loan	12.00%	15.00%
NCC Eazy Loan	12.00%	15.00%
NCC Education Loan		15.00%
Personal Loan / Others	13.00%	17.00%
NCC Home Loan              Upto 5 Years		12.00%
5 to 10 Years		13.00%
Above 10 Years		14.00%
Hire Purchase Loan        Commercial Vehicles	12.50%	15.00%
NCC Vehicle Loan	11.00%	13.00%
Consortium Loan	As per consortium decision
Export Loan	10.50%	12.00%
Trust Receipt Loan	10.50%	12.00%
Demand Loan/Short Term Loan	12.50%	15.00%
Loan Against Gold****	11.50%

Interest on Staff Consumer Loan & Staff Loan Others

6.5%

** Minimum volume to be Rs. 1 crore. To be exercised by CEO depending upon tenure. *** For Regular and New Loans **** Loan not to be provided less than 50% of Gold Value

Toll Free No : 1660-01-45678