Nabil bank pdf interest rate interest rates 03apr2011

Archive Interest Rate. Home Loan. The bank offers up to 4. In return the investor agrees not to withdraw or access their funds for a fixed period of time which could range from 3 months and above. Sunrise Remit Muddati Nabil will pay the highest interest rate of 5.

Since then, it had gradually declined and fallen to an average of If you are interested on adding interest rate of your bank , contact us using our link above. Similarly, Nabil Bank will provide loans with premium above the base rate up to 7 percent. Features Likewise, the fixed deposit will offer as high as an The interest rate on term deposit is 4. The effective annual interest rate is calculated as per the following formula: FD calculation formula. Estimated annual interest.

Based on one's requirements, they offer services from savings, deposit, and fixed. Base Interest Rate is 7. Above 10 years. The interest in this bank, for years FDs, the interest rate is one of the best in the industry. Term Fixed Deposits. With the decision of the bank, the interest rate varies from time to time but is reliable for the services they offer to their customers.

Book a Term Deposit at an interest rate of 5. This product is designed to allow general public and institution who wish to earn higher interest rate by keeping their fund in fixed deposit in the bank. Interest posting frequency for Savings, Fixed and Call Deposit will be quarterly. Loan against Government Bond. The bank will provide up to 6. For You. With 9. Are you getting trouble in finding interest rates of banks in Nepal? The bank revised its interest rates last month on November 3rd, , and is now offering an interest rate of 3.

NPR 9, The effective interest rate on your deposit influences the interest income and yield of your fixed deposit.

Note: Interest rates on consortium lending will be as per the decision of consortium subject to applicable base rate of this bank. Tel: The meeting of the NBA held in Kathmandu on Tuesday decided to remove the 10 percent interest rate cap on fixed deposits for individual depositors. If compounded annually, the interest. The interest rate is fixed for the whole maturity period and, it's usually considered as an extremely safe investment.

Interest Rates. Show estimated interest earned for months Month s Show estimated interest earned for months 3 6 9 Savings Deposit. About Nabil Bank launching Nabil Xtra Fixed Deposit account; to provide monthly interest for its depositors Market Customers can now receive monthly interest for their deposit with this account where the bank has not set any minimum balance requirement, as per the media statement.

With this interest rate, Nabil Bank has continued to offer the highest and most competitive interest rate on individual fixed deposit accounts. Effective From: 1st Mangsir, November 17th, 1. Email: contact bankbyaj. Interest Rate Mega Bank Nepal Limited is one of the premier Financial Institution of Nepal consistently living it's Service Pledge to conduct business by continually creating mutually beneficial relationship with all its stakeholders; Customers, Shareholders, Regulators, Communities and Staff.

With the help of the given table, you can get the best interest rates on FD Fixed Deposit. RBB bank will provide up to 7. Now get all the latest rates of commercial banks of Nepal here in one place and compare. Likewise, in the case of fixed deposits, NIBL will provide up to a 8. Then, let's start!! Apply Now. Renewal Rate for Fixed Deposit through bidding will be 0. The vertical analysis consists of financial Balance sheet, profit and loss Account of a certain period time only, which is known as static analysis.

Likewise, the horizontal analysis consists of a series of statement relating to the number of years are reviewed and analyzed. It is also known as dynamic analysis that measures the change of the position or trend of the business over the number of years. The steps of analysis are as follows. Selection of the information relevant to the decision. Arrangement or the selected information to highlight the significant relationship of the financial yardsticks.

Interpretation and drawing of inferences and conclusions. To evaluate the financial performance of a firm, the analyst needs a certain parameters of the company by which the quantitative relationship and its position come out.

The most widely and effective used tool of the financial analysis is the ratio analysis. The financial ratio is the measurement of relationship between two accounting figures, expressed in mathematical way or the numerical relationship between two variables expressed as i percentage or, ii fraction or iii in proportion of numbers. After calculating various ratios, we need to compare with the certain standard and draw out the conclusion of the result.

The comparison classified by Weston and Brigham into six types viz , i Liquidity ratios ii leverage ratios, iii Activity ratios iv profitability ratios v Growth ratios and vi Valuation ratios. In this study the following ratios are analyzed. Profitability Ratio 2. Liquidity Ratio 3. Efficiency Ratio 4. Capital structure Ratio 5. Investment ratio The details of the ratios will be discussed in detail in the next chapter.

We can stress enough that financial analysis is an aid that allows those responsible for results to make sound decisions. Pandey says, "A firm should ensure that it does not suffer from lack of liquid. And also that it is not too much highly liquid. The failure of a company to meet its obligations, due to lock of sufficient liquidity will result in bad credit image. A very high degree of liquidity is also bad; idle assets earn nothing. Therefore, it is necessary to strike a proper balance between liquidity and lack of liquid.

It is also important in view of survival and growth of a bank. Review of Some acts relating to Banking in Nepal Commercial Bank Act was formulated to facilitate the smooth run of commercial banks. All the commercial banks are functioning under this act. The bank may determine the location of its head office with the approval of the Rastra Bank.

The bank shall be an autonomous corporate body with the perpetual succession. It may sue or be sued in its own name. Subject to this Act and other current Nepal law, the bank may acquire, use and sell movable and immovable property.

Any bank may open or shift the location of, or close branches depots or other offices with the approval of the NRB. While granting approval, NRB may prescribe condition according to the need, and the foreign bank shall company with the conditions thus prescribed by the NRB. Review of Thesis Various thesis works have done in different aspects of commercial banks such as lending policy, interest rate structure investment policy, resource mobilization, and capital structure etc.

Few banks ascribed it to the economic crisis that occurred in Asia pacific region. No one felt that higher rates on interest on lending to be a major factor. At the some time it should target not only the urban sector, it should go to the rural sector also.

They have to explore all the potential sectors like tourism etc. In this study, he has analyzed financial position of the banks measuring various ratios to elaborate the financial performance. The liquidity, profitability and dividend payout ratio of two banks are on favourable position. This is the comparative study of commercial banks which were not cleared in previous studies.

Chapter 3 Research Methodology Evaluating the financial performance of the selected banks in a micro level and to highlight the efforts of the financial decisions of these banks in the economy at the macro level forms the basic objective of this research.

Research Design Keeping in mind the objective of the study, descriptive cum analytical research design has been followed. The study is based on the wide range of variables and factors influencing financial decisions of the banks. Comparative data banks are presented in such a way so as to make the report informative to the reader. Financial tools Ratios have been used to analyze and interpret the balance sheet, income statement and other accounting information.

Quarterly Economic Bulletin, published by Nepal Rastra bank. Previous Dissertations Web-sites Other than the above-mentioned sources, the information collected through verbal communications with the staff of the related banks has also been used in the study. The recommendation and suggestions, which are derived from the study, by taking the above commercial banks as samples, will be equally useful for the other commercial banks in Nepal.

Ratio analysis points out the problems in any operational areas and provides a basis to recommend corrective actions. Ratio analysis satisfies the interests of creditors, government institutions and other to form their opinion or enable them to have guideline towards effective decision-making.

There is variety in ratio calculation. This ratio shows that if firm need cash amount in short period without any notice, can firm fulfill its need or how it manage the need. Commercial banks need liquidity to meet loan demand and deposit withdrawals.

The following ratios are calculated under the liquidity ratios. Lower current ratio creates difficulties in meeting short run commitments as they mature. If the ratio is too high, the bank has an excessive investment in current assets or is under utilizing short- term credit. High ratio means high idle money, which shows the inefficiency of management, as well as increased cost of capital. This ratio is calculated as. It is inappropriate to use current assets to meet long term high interest bearing liabilities, i.

Activity or Turnover Ratio Activity ratio is a function of the efficiency with which the various assets components are measured. It measures the degree of effectiveness in use of resources or funds by an enterprise. Deposits are used to grant loans and advances. Therefore, the bank should manage its deposits efficiently. This ratio is calculated to determine the utilization of deposits for profit generating purpose on the loans and advances.

It measures the utilization of deposits in investment. Higher the ratio, better the utilization of collected fund and generates regular income to the banks. It shows the long-term solvency of the firm. It judges the long-term financial position of the firm. Following ratios are calculated here, a. This ratio measures the share of the total assets financed by outsider fund. This relationship describing the lenders contribution for each rupee of owners contribution is called debt equity ratios.

The operating efficiency of the bank and its ability to ensure adequate return to its shareholders depends ultimately on the profit earned by the bank. To measure the efficiency of the banks following major profitability ratios are calculated. Return on investment is also called return on asset. It seeks to measure the effectiveness with which the firm has employed it total resources. Bank has to pay interest on interest bearing deposits and receive interest through its investment on loans, advances and others.

It measures the effectiveness of the management with respect to both its operating and financial decision. It shows how much investors are willing to pay per dollar of reported profits. After reviewing the relevant Literatures and highlighting the Research Methodology now the Analysis part of the research is gong to be undertaken.

Chapter Four Presentation and Analysis of Data Subject matter and objectives of this study have been introduced in the first chapter.

In this unit relevant data have been presented and analyzed with reference to financial performance of selected commercial bank Financial analysis is a process of evaluating relationships between component parts of financial statements, i.

Various financial tools are used in this research for analysis. Although there are more than ratios, only some selected ratios are used in this study. Important ratios can be calculated from balance sheet and profit and loss account and thus calculated financial ratios can be useful for analyzing and assessing the performance and position of the bank, which reflect the relative strength and weaknesses of any particular bank over others.

With too much liquidity, the possibility of its misuse becomes high. On the other hand, too little may lead to sever cash problems, which can result in liquidity to pay debts in time. Following ratios are analyzed in the liquidity ratio.

This chapter is the main part of my study. This chapter will be of great relevance for my study, as all the findings, conclusions and recommendations are going to be derived from the calculations done in this section.

The analysis of data consist of organizing, tabulating and performing financial as well as statistical analysis. A higher ratio indicates greater assurance of ability to pay current liabilities. A current ratio of is generally considered to be an acceptable standard though it is only a rule of thumb standard. A low ratio indicates that the corporation may not be able to meet short-term obligations.

NBL has the declining Trend of current ratio, from 1. The comparative graph of current ratios of the selected banks has been presented below. A high ratio represents a greater ability to cover their deposits and vice versa. This ratio is determined by dividing cash and bank balance by total deposits. The average for the review period was 8. The customer of NBL bank has more safety. The graph of cash and bank balance to total deposit ratio of the banks have been presented below.

The average ratio was The ratio ranged between The comparative graph of the above table is presented below. NBL Bank had enough liquidity to refund its whole non-interest bearing deposit at any time. On the other hand, NABIL was utilizing its cost free deposit in profit generating purpose, which yields high return as well as risk of insolvency for the bank.

A bank must insure that it is liquid enough to face heavy deposit withdrawal. It has to maintain adequate balance in the form of cash and bank balance in order to honor large withdrawals by its customers. However, very high ratio of NBL indicates the unwise investment decision, i. The comparative graph of cash and bank balance to interest earning deposit ratio has been presented below. Activity or Turnover Ratio The ratios indicate the efficiency with which a corporation employs its resources.

Activity ratios are employed to evaluate the efficiency with which the firm manages and utilizes its assets. From these ratios it is known that whether the funds employed have been used efficiently in the business activities or not. Following ratios are used under activity ratio. The core banking function is to mobilize the funds from the depositors to the borrowers. Banks make profit by lending or utilizing the deposited funds by charging a higher rate of interest to the borrowers than they pay to the depositors.

Hence they are known to be efficient in utilizing the funds if they can advance a greater proportion of the deposited fund into risk assets. The comparative ratios of the two banks have been tabulated below. It had been successful in advancing the favorable position of its deposit towards loans and advances.

Investment function or funds management is gaining widespread importance in the banking sector. Treasury of the bank is involved in investing the surplus fund with the bank in the income generating investments. Further, advantage of investing in company fixed deposits is that one can analyse the company before investing in it because companies accepting deposits are old-established reputed companies with proven track records.

Recently, nomination facility has been introduced in company fixed deposits. Types of Fixed Deposits Fixed Deposits require a customer to place cash in a savings account held with a financial institution for a particular time frame at a given interest rate. Early withdrawals from Fixed Deposits tend to result in a significant penalty. A holiday account, also called a Christmas club account, is a type of fixed deposit account.

A fixed deposit, as its name implies, is a fixed sum of money that is held in a savings account for a pre-decided period of time--earning a fixed rate of interest. The time period for a fixed deposit varies from 15 days to 1, days three years and its interest rate varies between 3 percent and 7.

A fixed deposit account typically yields a greater interest rate than a regular account, owing to its fixed time period. Fixed deposits are also called time or term deposits. Certificate of Deposit A certificate of deposit CD is a type of fixed deposit account that can be purchased in varying amounts from a credit union, traditional bank or other depository institution.

A CD is a commercial paper that confirms the monetary value of the deposit made, its maturity date and the interest applicable on the amount loaned. Certificates of deposit mature in one month, three months, six months, 12 months one year , 36 months three years and 60 months five years.

Interest rates accrued on certificates of deposit are quoted on a yearly annual basis. A revolving term deposit renews itself automatically for another term of an equal length after its loan period expires. Depositors can put money in a revolving term account through a cashless transfer from an existing account or by direct transfer. The terms on revolving fixed deposits range between one week to 12 months. Unchanging term deposit An unchanging term deposit, also called a single term deposit, does not renew automatically after its maturity date.

An unchanging fixed term deposit can be opened from one month, three months, six months, 12 months, 24 months and 36 months. Holiday Account A holiday account, also called a Christmas Club account, is a special type of fixed term deposit that allows a depositor to put aside, and add, small denomination funds till the account matures. Cash cannot be withdrawn from the account till it reaches its expiration date. A holiday account can be thought of as a short-term savings account that secures a depositor during a holiday season.

Some financial institutions and banks require a minimum initial deposit before they can open a holiday account. Christmas club accounts accrue monthly interest, the entire amount of which is paid when the account matures, typically right before Christmas. Different types of fixed deposits Consumers and companies throughout the world use Fixed Deposits to save money for future use from time frames varying between one month and several years.

The term Fixed Deposit is especially popular in India for this retail financial product, but they are also called Term Deposits. Although the terms of specific Fixed Deposits can vary significantly among financial institutions and countries, Fixed Deposits generally differ from checking and savings accounts because they cannot be used as money by allowing the account holder to make withdrawals without incurring a significant penalty.

They also differ from such accounts by having a fixed maturity date after which funds are either returned or rolled over. Risk of fixed deposit Substantial investment security is provided by Fixed Deposits held with reputable and insured financial institutions, but as a result of this perceived lack of risk, they usually only offer a rather low nominal rate of return or interest to the holder on deposits. Interest rates available on Fixed Deposits tends to be higher than with regular savings accounts since funds are not readily available until maturity, but returns are usually lower than those available with riskier investments like some corporate stocks and bonds.

Time deposit A Time Deposit requires the placement of cash in a savings account at a fixed rate of interest for a certain term or time period. Funds generally cannot be withdrawn from a Time Deposit prior to the end of its term without incurring a penalty.

Type of time deposit Time Deposits are used around the world by consumers and businesses to save money for use in the future. Financial institutions offering Time Deposits to retail clients are usually required to follow the applicable banking regulations in the country in which they operate.

In the India , funds deposited in Time Deposits are protected up to a certain amount by the financial deposit in India when the Time Deposit is made with a financial institution that is also an F D I member. Also, because of the requirement to leave Time Deposit funds alone for a period of time or pay a penalty, Time Deposits tend to pay out a higher rate of interest than normal savings accounts.

Nevertheless, this return is usually considerably less than can be obtained by investing in riskier products like corporation stocks or bonds. For a period of fixed product 6 months, major banks can follow or anticipate central banks when determining the rates they publish for depositors.

In countries such as India who offer 'term deposits' as savings products from banks, the Reserve Bank of India issues guidance from its meetings and rate decisions indicating reasons for increasing, lower or keeping the same interest rates. These decisions have a major impact on what rates India banks publish. Advantage of fixed deposit 1 A Fixed Deposit Account is one in which the customer deposits a big sum of money Usually a few thousands and upwards.

There is actually no limit to the amount of money you can deposit in a FD for a fixed 2 A Fixed Deposit is an agreement between a customer and bank wherein the customer agrees to deposit a fixed sum of money for a specific duration of time. The bank in return accepts the deposit and As long as it can be cashed in at any time, it is still liquid and therefore a current asset. If it cannot be cashed in before maturity, it would be classified as Other Non-Current Assets.

If you're a senior. Another disadvantage of fixed deposits is that it is prone to 4 You can't withdraw the deposited money back until the terms of deposit completes. After 2 years of deposit, U need the deposited money in FD, you can't withdraw back without completion of the deposit amount.

To know the fixed deposit position of R. I To identify the position of fixed deposit on total deposit. To comparing fixed deposit of R. I with total commercial bank and Indian Bank Ltd. To sketch the trend of fixed deposit of R. I To see how far the bank is able to utilize the collection deposit.

To provide suggestion and possible guideline to improve the bank fixed deposit position based on the finding of the study. In sense of profitability then invest less in fixed deposit try to invest in shares if you are a good player in share market. I am a central govt servant, my monthly net salary is , how can i save the tax by investing. At present, there is no scope of short term investment in equity based mutual fund. Go for atleast two or three years please.

Market is at it peak lev. But at least take a look while choosing a category to post. As crr is hiked money will be scarce with bank so who ever wants to take loan it will be dearer but without increasing fixed deposit rate so people.

Research Design: The first step of the study is to collect necessary information and data concerning the study of R. B fixed deposit by contacting the concern staffs. The task will be fulfilling by the collection of secondary data and Primary data and various published information regarding this context. Also called time deposit. Receipt issued by a depository institution such as a bank, credit union, or a finance or insurance company to a depositor who opens a certificate ac Fixed Deposit is the most common form of savings all over the world, specially in India.

A Fixed Deposit involves locking a certain amount of money for a certain time period with a government approved institution, it can be a bank or a corporate offering fixed deposits to raise money for its business, etc. The various data require for the study is collected from concern authorities i. Data required is collected through primary data and secondary data. Primary data is collected from concern authority by asking them question or by taking the interview.

Secondary data is collected from the annual report, banking and financial statistics, quarterly economic bulletin, Papers and magazines, which were published, by R. All the necessary data were collected on various issues from R. I and N. This study is based on secondary data but interview techniques has also been used to collected information on the fixed deposit of the bank.

The collected data are processed by tabulating and arranging in a required form for the sequential analysis of data. Then an attempt has been made to analyze the tabulated data to review the financial aspect of R. For the analysis of data the various statistical tools like percentage change, bar diagrams, pie - chart, time series and correlation will be taken in to use. In this regard, the analysis will be mainly based on financial aspect. Such as 1 week, 2 week, 3 months, 6 months, 9 months and 1 to 5 years.

Fixed deposit is also known as time deposit or time liabilities. Bank uses this sum of money in its investment activities. Out of the total deposit higher percentage comes from fixed deposit account as it most stable of all deposit. As it is permanent sources of funds, bankers use this fund to long-term investments, which gives higher return to the bank.

Bank does not need to maintain higher. The bank pays a higher interest on such deposit. But interest provide by the bank depends upon its time duration. Bank repays the fixed deposit principal together with interest after maturity period.

Fixed deposits can be great for saving money when you don't think it's possible or simply are having a tough time saving period. It's definitely something to think about right now with the economy and the threat of no more Social Security - you should always have a back up plan. Features of the fixed deposits Fixed deposit was received by bank for certain period.

Any additional amount can not be allowed to deposit in the fixed deposit account before the maturity period. Bank repays the fixed deposit to customer principal together with interest after maturity period. I have already published many articles explaining the fixed deposit account and the tax savings involved with the fixed deposit schemes.

This post is intend to list some of the key points which you must be aware before opening the fixed deposit account. I hope you will like the post and will be more informative. Please post your feedback and add if you have any points in your mind. If you like the post, subscribe to our future articles here.

If the total interest is more than Rs. To avoid that please split the fixed deposit and invest in the different banks. It is important to plan the number of years you want to keep the deposit. Banks will charge as penalty if you are foreclosing the deposit account. Please ask the banker for penalty applicable for the foreclosing. Always appoint a nominee for your fixed deposit to avoid the hassle free release of amount after you.

If you are not appointing any nominee, they will have to bring any of the heirs proof certificate to receive the money. This is one of the important consideration while opening a fixed deposit account. When you hear the rate of interest is 8. If the interest is compounded quarterly, then the return rate of interest will be potentially more than the actual one.

If you are not aware that the fixed deposit savings can be used for tax benefits, please learn about the tax savings on fixed deposit. It has limitation of Rs.

Might be useful if you are looking for the same one. Let us discuss two scenarios: Debt Funds are more liquid than Fixed Deposit Debt Funds deliver better post tax returns when compared with fixed deposits In the short term and long term investment horizon, investor earns better post tax returns by investing in debt funds.

Fixed depositgives limited but assured returns. Stocks can give very high returns or even very high losse Debit card is a facility to withdraw your own deposi ed money in the bank.

Credit card as the name denotes, you make advance arrangement with a bank. I think there is no certain limit but one loses the interest on such a big amount as the interest rate is very low in savings bank ac and hence he lo. Loan is a fixed amount and to be paid in a certain period OF time where as in cash credit a limit is fixed and u have to be in that limit always a Fixed deposits are loan arrangements where a specific amount of funds is placed on deposit under the name of the account holder.

At times, the lending institution fixed deposit is placed may be willing to extend a separate loan to the account holder, using the fixed account as collateral.

If the choice of currency is a good one, this means the investor can enjoy a healthy fixed deposit currency rate for the duration of the.

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Escolhas dos editores Todas as revistas. Explorar Podcasts Todos os podcasts. Explorar Documentos. Enviado por Kamlakar Avhad. Denunciar este documento. Fazer o download agora mesmo. Pesquisar no documento. NO Content Pg. Loan Amount Amount in lacs Particulars Notice from office Notice from advocate Cases to bring a charge but under hiring section 91, Cases under hiring but not awarded section 91, Awarded section 91 , Loan holder 71 Total amount Surplus net profit Total amount Of Meeting 20 18 05 05 02 06 06 06 Banking regulation act section 29 and 31 Last Year Amount March Loss Total Deferred tax assets and liabilities are measured at the tax rates that are expected to apply in the year when the assets are realized or the liabilities are settled, based on tax rates and tax laws that have been enacted or substantially enacted at the deferred Tax are as under: Goodwill Goodwill is amortised over 5 years.

Events Occuring after the balance sheet date are taken care The terms on revolving fixed deposits range between one week to 12 months Unchanging term deposit An unchanging term deposit, also called a single term deposit, does not renew automatically after its maturity date.

They also differ from such accounts by having a fixed maturity date after which funds are either returned or rolled over Risk of fixed deposit Substantial investment security is provided by Fixed Deposits held with reputable and insured financial institutions, but as a result of this perceived lack of risk, they usually only offer a rather low nominal rate of return or interest to the holder on deposits. Nevertheless, this return is usually considerably less than can be obtained by investing in riskier products like corporation stocks or bonds 6 month deposit A 6 month term deposit is often referred to as a short term investment due to the short time horizon of less than 1 year.

I To identify the position of fixed deposit on total deposit To comparing fixed deposit of R. A Fixed Deposit involves locking a certain amount of money for a certain time period with a government approved institution, it can be a bank or a corporate offering fixed deposits to raise money for its business, etc Prmaary data 1 Source of data The various data require for the study is collected from concern authorities i.

Secondary data 1 Fixed deposits are money deposited by the customers for a fixed period, which range from 1 week to 5 years. Bank pays a higher interest on such deposit in comparison with other deposit. Fixed deposit account is automatically closed once the deposit matures. Plan the Tenure It is important to plan the number of years you want to keep the deposit.

Appoint a Nominee Always appoint a nominee for your fixed deposit to avoid the hassle free release of amount after you. Check the compound interest policies This is one of the important consideration while opening a fixed deposit account.