<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashwin 2083</td><td>3.39%</td></tr><tr><td>Interest Rate Spread Bhadra 2083</td><td>3.50%</td></tr><tr><td>Interest Rate Spread Shrawan 2083</td><td>3.48%</td></tr></tbody></table>

2026/2027(2083/2084)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2083</td><td>3.48%</td></tr><tr><td>Interest Rate Spread Jestha 2083</td><td>3.50%</td></tr><tr><td>Interest Rate Spread Baisakh 2083</td><td>3.46%</td></tr><tr><td>Interest Rate Spread Chaitra 2082</td><td>3.55%</td></tr><tr><td>Interest Rate Spread Falgun 2082</td><td>3.71%</td></tr><tr><td>Interest Rate Spread Magh 2082</td><td>3.67%</td></tr><tr><td>Interest Rate Spread Poush 2082</td><td>3.69%</td></tr><tr><td>Interest Rate Spread Mangsir 2082</td><td>3.71%</td></tr><tr><td>Interest Rate Spread Kartik 2082</td><td>3.75%</td></tr><tr><td>Interest Rate Spread Ashwin 2082</td><td>3.79%</td></tr><tr><td>Interest Rate Spread Bhadra 2082</td><td>3.79%</td></tr><tr><td>Interest Rate Spread Shrawan 2082</td><td>3.73%</td></tr></tbody></table>

2025/2026(2082/2083)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2082</td><td>3.64%</td></tr><tr><td>Interest Rate Spread Jestha 2082</td><td>3.70%</td></tr><tr><td>Interest Rate Spread Baisakh 2082</td><td>3.72%</td></tr><tr><td>Interest Rate Spread Chaitra 2081</td><td>3.83%</td></tr><tr><td>Interest Rate Spread Falgun 2081</td><td>3.99%</td></tr><tr><td>Interest Rate Spread Magh 2081</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Poush 2081</td><td>3.97%</td></tr><tr><td>Interest Rate Spread Mangsir 2081</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Kartik 2081</td><td>3.97%</td></tr><tr><td>Interest Rate Spread Ashwin 2081</td><td>3.96%</td></tr><tr><td>Interest Rate Spread Bhadhra 2081</td><td>3.93%</td></tr><tr><td>Interest Rate Spread Shrawan 2081</td><td>3.93%</td></tr></tbody></table>

2024/2025(2081/2082)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2081</td><td>3.99%</td></tr><tr><td>Interest Rate Spread Jestha 2081</td><td>3.97%</td></tr><tr><td>Interest Rate Spread Baishakh 2081</td><td>3.93%</td></tr><tr><td>Interest Rate Spread Chaitra 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Falgun 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Magh 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Poush 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Mangsir 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Kartik 2080</td><td>3.91%</td></tr><tr><td>Interest Rate Spread Ashwin 2080</td><td>3.87%</td></tr><tr><td>Interest Rate Spread Bhadra 2080</td><td>3.51%</td></tr><tr><td>Interest Rate Spread Shrawan 2080</td><td>3.75%</td></tr></tbody></table>

2023/2024(2080/2081)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2080</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Jestha 2080</td><td>4.20%</td></tr><tr><td>Interest Rate Spread Baishakh 2080</td><td>4.20%</td></tr><tr><td>Interest Rate Spread Chaitra 2079</td><td>4.20%</td></tr><tr><td>Interest Rate Spread Falgun 2079</td><td>4.4%</td></tr><tr><td>Interest Rate Spread Magh 2079</td><td>4.4%</td></tr><tr><td>Interest Rate Spread Poush 2079</td><td>4.31%</td></tr><tr><td>Interest Rate Spread Mangsir 2079</td><td>4.30%</td></tr><tr><td>Interest Rate Spread Kartik 2079</td><td>4.24%</td></tr><tr><td>Interest Rate Spread Ashoj 2079</td><td>3.80%</td></tr><tr><td>Interest Rate Spread Bhadra 2079</td><td>4.27%</td></tr><tr><td>Interest Rate Spread Shrawan 2079</td><td>4.37%</td></tr></tbody></table>

2022/2023(2079/2080)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashadh 2079</td><td>4.25%</td></tr><tr><td>Interest Rate Spread Jestha 2079</td><td>4.31%</td></tr><tr><td>Interest Rate Spread Baisakh 2079</td><td>4.36%</td></tr><tr><td>Interest Rate Spread Chaitra 2078</td><td>3.71%</td></tr><tr><td>Interest Rate Spread Falgun 2078</td><td>3.39%</td></tr><tr><td>Interest Rate Spread Magh 2078</td><td>3.64%</td></tr><tr><td>Interest Rate Spread Poush 2078</td><td>3.11%</td></tr><tr><td>Interest Rate Spread Mangsir 2078</td><td>3.17%</td></tr><tr><td>Interest Rate Spread Kartik 2078</td><td>3.60%</td></tr><tr><td>Interest Rate Spread Ashwin 2078</td><td>3.53%</td></tr><tr><td>Interest Rate Spread Bhadra 2078</td><td>3.52%</td></tr><tr><td>Interest Rate Spread Shrawan 2078</td><td>3.59%</td></tr></tbody></table>

2021/2022(2078/2079)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2078</td><td>3.59%</td></tr><tr><td>Interest Rate Spread Jestha 2078</td><td>3.45%</td></tr><tr><td>Interest Rate Spread Baishakh 2078</td><td>3.52%</td></tr><tr><td>Interest Rate Spread Chaitra 2077</td><td>3.86%</td></tr><tr><td>Interest Rate Spread Falgun 2077</td><td>3.78%</td></tr><tr><td>Interest Rate Spread Magh 2077</td><td>3.92%</td></tr><tr><td>Interest Rate Spread Poush 2077</td><td>4.08%</td></tr><tr><td>Interest Rate Spread Mangsir 2077</td><td>4.17%</td></tr><tr><td>Interest Rate Spread Kartik 2077</td><td>4.23%</td></tr><tr><td>Interest Rate Spread Ashwin 2077</td><td>4.40%</td></tr><tr><td>Interest Rate Spread Bhadra 2077</td><td>4.62%</td></tr><tr><td>Interest Rate Spread Shrawan 2077</td><td>4.71%</td></tr></tbody></table>

2020/2021(2077/2078)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2077</td><td>4.03%</td></tr><tr><td>Interest Rate Spread Jestha 2077</td><td>3.70%</td></tr><tr><td>Interest Rate Spread Baishakh 2077</td><td>3.38%</td></tr><tr><td>Interest Rate Spread Chaitra 2076</td><td>4.85%</td></tr><tr><td>Interest Rate Spread Falgun 2076</td><td>4.54%</td></tr><tr><td>Interest Rate Spread Magh 2076</td><td>4.47%</td></tr><tr><td>Interest Rate Spread Poush 2076</td><td>4.58%</td></tr><tr><td>Interest Rate Spread Mangsir 2076</td><td>4.51%</td></tr><tr><td>Interest Rate Spread Kartik 2076</td><td>4.44%</td></tr><tr><td>Interest Rate Spread Aswin 2076</td><td>4.16%</td></tr><tr><td>Interest Rate Spread Bhadra 2076</td><td>4.13%</td></tr><tr><td>Interest Rate Spread Shrawan 2076</td><td>4.17%</td></tr></tbody></table>

2019/2020(2076/2077)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2076</td><td>3.15%</td></tr><tr><td>Interest Rate Spread Jestha 2076</td><td>3.34%</td></tr><tr><td>Interest Rate Spread Baisakh 2076</td><td>3.38%</td></tr><tr><td>Interest Rate Spread Chaitra 2075</td><td>3.64%</td></tr><tr><td>Interest Rate Spread Falgun 2075</td><td>3.65%</td></tr><tr><td>Interest Rate Spread Magh 2075</td><td>3.59%</td></tr><tr><td>Interest Rate Spread Poush 2075</td><td>3.45%</td></tr><tr><td>Interest rate Spread Mangsir 2075</td><td>3.69%</td></tr><tr><td>Interest Rate Spread Kartik 2075</td><td>4.12%</td></tr><tr><td>Interest Rate Spread Ashwin 2075</td><td>4.00%</td></tr><tr><td>Interest Rate Spread Bhadra 2075</td><td>3.85%</td></tr><tr><td>Interest Rate Spread Shrawan 2075</td><td>4.08%</td></tr></tbody></table>

2018/2019(2075/2076)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad 2075</td><td>3.84%</td></tr><tr><td>Interest Rate Spread Jestha 2075</td><td>3.84%</td></tr><tr><td>Interest Rate Spread Baisakh 2075</td><td>3.97%</td></tr><tr><td>Interest Rate Spread Chaitra 2074</td><td>3.74%</td></tr><tr><td>Interest Rate Spread Falgun 2074</td><td>3.62%</td></tr><tr><td>Interest Rate Spread Magh 2074</td><td>3.45%</td></tr><tr><td>Interest rate Spread Poush 2074.</td><td>3.23%</td></tr><tr><td>Interest Rate Spread Mangsir 2074</td><td>3.27%</td></tr><tr><td>Interest Rate Spread Kartik 2074</td><td>3.39%</td></tr><tr><td>Interest Rate Spread Ashwin, 2074</td><td>3.62%</td></tr><tr><td>Interest Rate Spread Bhadra, 2074</td><td>3.63%</td></tr><tr><td>Interest Rate Spread Shrawan, 2074</td><td>3.46%</td></tr></tbody></table>

2017/2018(2074/2075)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad,2074</td><td>3.19%</td></tr><tr><td>Interest Rate Spread Jestha, 2074</td><td>3.35%</td></tr><tr><td>Interest Rate Spread Baisakh,2074</td><td>3.71%</td></tr><tr><td>Interest Rate Spread Chaitra ,2073</td><td>3.95%</td></tr><tr><td>Interest Rate Spread falgun, 2073</td><td>3.57%</td></tr><tr><td>Interest Rate Spread Magh,2073</td><td>3.57%</td></tr><tr><td>Interest Rate Spread Poush, 2073</td><td>3.49%</td></tr><tr><td>Interest Rate Spread Mangsir,2073</td><td>3.45%</td></tr><tr><td>Interest Rate Spread Kartik,2073</td><td>3.77%</td></tr><tr><td>Interest Rate Spread Ashwin,2073</td><td>3.88%</td></tr><tr><td>Interest Rate Spread Bhadra,2073</td><td>3.97%</td></tr><tr><td>Interest Rate Spread Shrawan,2073</td><td>3.88%</td></tr></tbody></table>

2016/2017(2073/2074)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad,2073</td><td>3.96%</td></tr><tr><td>Interest Rate Spread Jestha, 2073</td><td>4.12%</td></tr><tr><td>Interest Rate Spread Bhaishak,2073</td><td>4.20%</td></tr><tr><td>Interest Rate Spread Chaitra, 2072</td><td>4.39%</td></tr><tr><td>Interest Rate Spread Falgun,2072</td><td>4.23%</td></tr><tr><td>Interest Rate Spread Magh, 2072</td><td>4.35%</td></tr><tr><td>Interest Rate Spread Poush, 2072</td><td>4.17%</td></tr><tr><td>Interest Rate Spread Mangsir, 2072</td><td>4.07%</td></tr><tr><td>Interest Rate Spread Kartik, 2072</td><td>4.02%</td></tr><tr><td>Interest Rate Spread Ashwin, 2072</td><td>4.06%</td></tr><tr><td>Interest Rate Spread Bhadra, 2072</td><td>4.04%</td></tr><tr><td>Interest Rate Spread Shrawan, 2072</td><td>4.01%</td></tr></tbody></table>

2015/2016(2072/2073)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad, 2072</td><td>4.12%</td></tr><tr><td>Interest Rate Spread Jestha, 2072</td><td>4.45%</td></tr><tr><td>Interest Rate Spread Baisakh, 2072</td><td>4.39%</td></tr><tr><td>Interest Rate Spread Chaitra, 2071</td><td>4.47%</td></tr><tr><td>Interest Rate Spread Fagun, 2071</td><td>4.58%</td></tr><tr><td>Interest Rate Spread Magh, 2071</td><td>4.55%</td></tr><tr><td>Interest Rate Spread Poush, 2071</td><td>4.71%</td></tr><tr><td>Interest Rate Spread Mangsir, 2071</td><td>4.88%</td></tr><tr><td>Interest Rate Spread Kartik, 2071</td><td>4.83%</td></tr><tr><td>Interest Rate Spread Ashwin, 2071</td><td>4.82%</td></tr><tr><td>Interest Rate Spread Bhadra, 2071</td><td>4.80%</td></tr><tr><td>Interest Rate Spread Shrawan, 2071</td><td>4.00%</td></tr></tbody></table>

2014/2015(2071/2072)

<table><tbody><tr><td>INTEREST RATE SPREAD</td><td>RATE</td></tr><tr><td>Interest Rate Spread Ashad, 2071</td><td>4.99%</td></tr><tr><td>Interest Rate Spread Jestha, 2071</td><td>5.87%</td></tr></tbody></table>

INTEREST RATE SPREAD	RATE
Interest Rate Spread Ashwin 2083	3.39%
Interest Rate Spread Bhadra 2083	3.50%
Interest Rate Spread Shrawan 2083	3.48%