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२९ माघ, २०७७
11th Feb, 2021
Sat, August 30, 2025
वि.सं २०८२ भदौ १४,शनिबार

Interest Rates

Effective from 1st Bhadra, 2082

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Call Account (Corporate/Financial Institution)5,000Up to 1.37%
4Anibarya Saving Account-2.75%
5Home Employee Saving Account-2.75%
6Janakalyan Bachat Khata-2.75%
7Mero Share Bachat Khata
500
4.75%
8Garima 5 in 1 Bachat Khata1,0003.75%
9Super Saving Account5,0002.75%
10Staff Saving Account-2.75%
11General Savings Account5002.75%
12Garima Shuva Lava Saving Acount10,0002.95%
13Garima Dampati Saving Account10,0002.95%
14Foreign Remittance Saving Account
1,000
5.75%
15Sworojgar Bachat Khata
5002.75%
16Foreign Employment IPO Account
1,000
5.75%
17Garima PMS Account-4.75%
18All other Saving Account Product100.002.75%

2. Fixed Deposits

CategoryAccount NameTenureInterest Payment FrequencyInterest Rate
IndividualsFixed Deposit3 Months to Below 6 MonthsQuarterly2.75%
Fixed Deposit6 Months to Below 1 YearQuarterly3.00%
Fixed Deposit1 Year to Below 2 YearsQuarterly3.50%
Fixed Deposit2 Years to Below 5 YearsQuarterly4.50%
Fixed Deposit5 Years and AboveQuarterly6.11%
Sunaulo Bhabisya Baal Nikcchep Yojana-Quarterly3.50%
Recurring Deposit-Quarterly3.50%
Garima Swornim Nikcchep Yojana-Quarterly3.50%
Garima Surakshit Nikchhep Yojana**-Quarterly3.25%
Garima Surakshit Nikchhep Yojana**-Maturity3.50%
InstitutionsFixed Deposit6 Months to Below 1 YearQuarterly2.75%
Fixed Deposit1 Year to Below 2 YearsQuarterly3.15%
Fixed Deposit2 Years to Below 5 YearsQuarterly3.50%
Fixed Deposit5 Years and AboveQuarterly5.11%
* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.
** Conditions applied.

3. FCY Deposit

S.N.Account Name

Rate (p.a.)

1Saving AccountsUp to 2.00%
2Fixed Deposit AccountsUp to 3.00%

4. Loan And Advances

S.N.Name of the Loan ProductsPremium over Base Rate (% per annum)
1
Hire Purchase Loan
2.00% to 4.00%
2
Auto Loan
1.00% to 3.00%
3
Business Loan (Term)
0.50% to 2.50%
4Business Loan (Cash Credit)0.50% to 2.50%
5
Education Loan
1.00% to 3.00%
6
Housing Loan
1.00% to 3.00%
7
Personal Loan/ Professional Loan
2.50% to 4.50%
8
Agriculture Loan
1.00% to 3.00%
9
Real Estate/ Mortgage Loan
1.00% to 3.00%
10
Loan against Share
1.50% to 3.50%
11
SME Loan
0.50% to 2.50%
12
Bridge Gap Loan
2.00% to 4.00%
13
Deprived Sector Lending
2.00% to 4.00%
14
Gold Loan
2.00% to 4.00%
15
Microfinance Wholesale Lending
Up to 2.00%
16
Force Loan
5.00%

Base Rate (Asadh End 2082)6.94%


S.N.Name of ProductInterest Rate (% Per Annum)
1
Loan Against Fixed Deposit
Coupon Rate + 2.00%
2
Consortium Loan
As per Consortium Agreement


5. Fixed Rate per annum

ParticularsUpto 7 years7-10 years10-15 yearsAbove 15 Years
Home Loan/SME Loan
11.99% to 13.25%11.99% to 13.50%11.99% to 13.75%11.99% to 13.99%
Hire Purchase/ Auto Loan
15.25% to 16.00%15.25% to 16.00%--
Personal Term/ Mortgage/ Demand Loan
14.00% to 15.75%14.25% to 16.00%14.50% to 16.00%14.75% to 16.00%

                                                                  * Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.

                                                                  ** Conditions applied

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Fd Rates
Fixed Deposits

9.00%

Less Than 2 Cr

Individual Deposit (2 Yrs < 30 Mth)

9.00%

Less Than 2 Cr

Individual Deposit (2 Yrs < 30 Mth) More Rates
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