<table style="width: 77.1823%; height: 117.539px;">
<tbody>
<tr style="height: 39.1797px;">
<td style="width: 69.16%; height: 39.1797px;">
<h5>Month</h5>
</td>
<td style="width: 23.7893%; height: 39.1797px;">
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Baisakh 2082
</td>
<td style="width: 23.7893%;">
3.74%
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Chaitra 2081
</td>
<td style="width: 23.7893%;">
3.79%
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Falgun 2081 &nbsp;&nbsp;
</td>
<td style="width: 23.7893%;">
3.88%
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Magh 2081&nbsp; &nbsp;
</td>
<td style="width: 23.7893%;">
3.99%
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Poush 2081&nbsp; &nbsp;
</td>
<td style="width: 23.7893%;">
3.98%&nbsp;
</td>
</tr>
<tr>
<td style="width: 69.16%;">
Interest Spread for the month of Mangsir 2081&nbsp; &nbsp;
</td>
<td style="width: 23.7893%;">
3.94%
</td>
</tr>
<tr style="height: 19.5898px;">
<td style="width: 69.16%; height: 19.5898px;">
Interest Spread for the month of Kartik 2081
</td>
<td style="width: 23.7893%; height: 19.5898px;">
3.86%
</td>
</tr>
<tr style="height: 19.5898px;">
<td style="width: 69.16%; height: 19.5898px;">
Interest Spread for the month of Ashwin 2081
</td>
<td style="width: 23.7893%; height: 19.5898px;">
3.96%
</td>
</tr>
<tr style="height: 19.5898px;">
<td style="width: 69.16%; height: 19.5898px;">
Interest Spread for the month of Bhadra 2081
</td>
<td style="width: 23.7893%; height: 19.5898px;">
3.99%
</td>
</tr>
<tr style="height: 19.5898px;">
<td style="width: 69.16%; height: 19.5898px;">
Interest Spread for the month of Shrawan 2081
</td>
<td style="width: 23.7893%; height: 19.5898px;">
3.98%
</td>
</tr>
</tbody>
</table>

2024/2025(2081/2082)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashadh 2081
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2081
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2081
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2080
</td>
<td>
3.98%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2080
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2080
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2080
</td>
<td>
3.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2080
</td>
<td>
4.51%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2080
</td>
<td>
4.46%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2080
</td>
<td>
4.34%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2080
</td>
<td>
4.15%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2080
</td>
<td>
4.84%
</td>
</tr>
</tbody>
</table>

2023/2024(2080/2081)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashadh 2080
</td>
<td>
4.96%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2080
</td>
<td>
5.04%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2080
</td>
<td>
4.95%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2079
</td>
<td>
5.20%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2079
</td>
<td>
5.21%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2079
</td>
<td>
5.03%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2079&nbsp;
</td>
<td>
4.38%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2079
</td>
<td>
4.30%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2079
</td>
<td>
4.39%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashoj 2079
</td>
<td>
3.86%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2079
</td>
<td>
4.23%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2079
</td>
<td>
4.33%
</td>
</tr>
</tbody>
</table>

2022/2023(2079/2080)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashad 2079&nbsp;
</td>
<td>
4.15%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2079
</td>
<td>
4.30%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2079
</td>
<td>
4.33%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2078
</td>
<td>
3.44%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2078
</td>
<td>
3.80%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2078
</td>
<td>
3.76%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2078
</td>
<td>
3.43%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2078
</td>
<td>
3.51%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2078
</td>
<td>
3.64%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2078
</td>
<td>
2.81%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2078
</td>
<td>
3.71%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2078
</td>
<td>
3.72%
</td>
</tr>
</tbody>
</table>

2021/2022(2078/2079)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashad 2078&nbsp;
</td>
<td>
3.49%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2078
</td>
<td>
3.75%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2078
</td>
<td>
3.72%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2077
</td>
<td>
4.00%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2077
</td>
<td>
4.16%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2077
</td>
<td>
4.35%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2077
</td>
<td>
4.32%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2077
</td>
<td>
4.80%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2077
</td>
<td>
4.93%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2077
</td>
<td>
5.03%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2077
</td>
<td>
5.67%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2077
</td>
<td>
5.90%
</td>
</tr>
</tbody>
</table>

2020/2021(2077/2078)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashad 2077&nbsp;
</td>
<td>
4.43%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2077
</td>
<td>
4.38%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2077
</td>
<td>
4.16%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2076
</td>
<td>
5.35%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2076
</td>
<td>
5.37%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2076
</td>
<td>
5.40%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2076
</td>
<td>
5.31%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2076
</td>
<td>
5.42%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2076
</td>
<td>
5.45%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2076
</td>
<td>
4.99%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2076
</td>
<td>
5.71%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2076
</td>
<td>
5.52%
</td>
</tr>
</tbody>
</table>

2019/2020(2076/2077)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashad 2076&nbsp;
</td>
<td>
4.47%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2076
</td>
<td>
4.73%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2076
</td>
<td>
4.59%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2075
</td>
<td>
4.63%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2075
</td>
<td>
4.53%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2075
</td>
<td>
4.32%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2075
</td>
<td>
3.81%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2075
</td>
<td>
4.13%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2075
</td>
<td>
4.28%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2075
</td>
<td>
4.43%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2075
</td>
<td>
4.19%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2075
</td>
<td>
4.04%
</td>
</tr>
</tbody>
</table>

2018/2019(2075/2076)

<table>
<tbody>
<tr>
<td>
<h5>Month</h5>
</td>
<td>
<h5>Spread Rate(%)</h5>
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashad 2075
</td>
<td>
5.10%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Jestha 2075
</td>
<td>
5.11%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Baisakh 2075
</td>
<td>
4.35%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Chaitra 2074
</td>
<td>
2.98%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Falgun 2074
</td>
<td>
3.37%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Magh 2074
</td>
<td>
3.51%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Poush 2074
</td>
<td>
4.12%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Mangsir 2074
</td>
<td>
3.94%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Kartik 2074
</td>
<td>
3.84%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Ashwin 2074
</td>
<td>
3.25%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Bhadra 2074
</td>
<td>
2.88%
</td>
</tr>
<tr>
<td>
Interest Spread for the month of Shrawan 2074
</td>
<td>
3.20%
</td>
</tr>
</tbody>
</table>

Month	Spread Rate(%)
Interest Spread for the month of Baisakh 2082	3.74%
Interest Spread for the month of Chaitra 2081	3.79%
Interest Spread for the month of Falgun 2081	3.88%
Interest Spread for the month of Magh 2081	3.99%
Interest Spread for the month of Poush 2081	3.98%
Interest Spread for the month of Mangsir 2081	3.94%
Interest Spread for the month of Kartik 2081	3.86%
Interest Spread for the month of Ashwin 2081	3.96%
Interest Spread for the month of Bhadra 2081	3.99%
Interest Spread for the month of Shrawan 2081	3.98%