The Bank can extend Loan against Fixed Deposit Receipt issued by the Bank itself as well as by other Banks (in Nepal). Generally upto 90% of the value of FDR will be disbursed as Loan. FDR may be denominated in Nepalese Rupees or other convertible foreign currencies as per the list provided by NRB. Whenever, there is significant exchange rate fluctuation, the loan limit extended against the FDR in foreign currency shall be adjusted accordingly. Loan against FDR can be of fixed nature or variable nature.