September 23rd 2017
७ असोज २०७४

Interest Rates

1. Current and Saving Deposit Products

Sn Account Name Min. Balance Interest Rate
1 Current Account 5,000.00 0
2 Margin Account- Guarantee N/A 0
3 Personal Call 1,000 Maximum-6%
4 Corporate Call 5,000 Maximum-6%
5 Financial Institution Call 5,000 Maximum-6%
6 Personal Saving  100 6
7 Group Saving - 6
8 Home Employee Saving - 7
9 GarimaNari Saving 100 6
10 Welfare Saving 100 6.50
11 Super Saving 5000 6
12 Remittance Saving Account 100 6
13 Staff Saving - 7
14 General Savings Account 500 6.25
15 Public Saving 100 6
16 Social Development Account 100 6
17 Garima Shuva Lava Saving Acount 10000 8
 

2. Garima Swasthya Surakshit Nikchhep Yojana (2 Year Fixed Deposit) (Conditions are applicable.)

S.N. Deposit Amounts
(Rs.)
Quarterly Interest At Maturity Interest Daily Medical & Treatment Facility
 (Rs.)
Accidental Insurance Surgical Facility Minor Surgical Facility Medium Surgical Facility Major
1 1,00,000 7.5 8 600 1,00,000 7,000 14,000 21,000
2 2,00,000 7.5 8 1200 2,00,000 7,000 14,000 21,000
3 3,00,000 7.5 8 1800 3,00,000 7,000 14,000 21,000
4 4,00,000 and Above 7.5 8 3000 4,00,000 7,000 14,000 21,000

3. Fixed Deposits

S.N. Account Name
Minimum Amount
Interest Payment on Quarterly
Interest Payment At Maturity
1 FD 3 Months 10,000   9
2 FD 6 Months 10,000   9
3 FD 9 Months 10,000   9
4 FD 1 Year 10,000 11 11.50
5 FD 2-5 Years 10,000 10 11.00
6 FD Above 5 Years 10,000 As per agreement  
7 Special Fixed Deposit  (One Year) 20,00,000 11.25 11.75
8 FD 200 Days 1,00,000   10
9 FD 300 Days 1,00,000   10.50
10 Recuring Saving 100 11  
11 Sunaulo Bhabishya Nikchhep Yojana 500 11  

4. Loan And Advances

S.N. Name of Products Interest Rate (% P.A.)
1 Personal Overdraft Base Rate+Premium upto 5%
2 Business Overdraft Base Rate+Premium upto 5%
3 Agriculture Loan Base Rate+Premium upto 5%
4 Low Cost Housing Base Rate+Premium upto 5%
5 Education Loan Base Rate+Premium upto 5%
6 Small and Medium Enterprise (SME)  Base Rate+Premium upto 5%
7 BaideshikRojgar Base Rate+Premium upto 5%
8 Micro Finance (Group Guarantee) Base Rate+Premium upto 9%
9 Micro Finance  (Wholesale) As per agreement
10 Deprived Sector Loan (With Collateral) Base Rate+Premium upto 5%
11 Personal Term Loan Base Rate+Premium upto 5%
12 Housing Loan Base Rate+Premium upto 5%
13 Hirepurchase Loan Base Rate+Premium upto 5%
14 Auto Loan Base Rate+Premium upto 5%
15 Margin Lending Base Rate+Premium upto 5%
16 GarimaYuva Uddamshil (Conditions Apply) Base Rate+Premium upto 5%
17 Service Business Loan Base Rate+Premium upto 5%
18 Business Term Loan Base Rate+Premium upto 5%
19 Demand Loan Base Rate+Premium upto 5%
20 Working Capital Loan Base Rate+Premium upto 5%
21 Industrial Loan Base Rate+Premium upto 5%
22 Real Estate Loan Base Rate+Premium upto 5%
23 Loan Against FDR Coupon Rate + 2% or Base Rate whichever is higher
24 Loan Against Deposit Coupon Rate + 2% or Base Rate whichever is higher
25 Social Loan Base Rate+Premium upto 5%
26 Gold Loan Base Rate+Premium upto 5%
27 Consumption Loan Base Rate+Premium upto 5%
  Base Rate (Jesth 2074) 12.50%

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