Interest Rates

1. Current and Saving Deposit Products

S.N.	Account Name	Min. Balance	Interest Rate
1	Current Account*	5,000	0
2	Margin Account- Guarantee	N/A	0
3	Corporate Call Account	5,000	Up to 1.37%
4	Financial Institution Call Account	5,000	Up to 1.37%
5	Anibarya Saving Account	-	2.75%
6	Home Employee Saving Account	-	2.75%
7	Janakalyan Bachat Khata	-	2.75%
8	Mero Share Bachat Khata	500	4.75%
9	Garima 5 in 1 Bachat Khata	1,000	3.75%
10	Super Saving Account	5,000	2.75%
11	Remittance Saving Account	100	2.75%
12	Staff Saving Account	-	2.75%
13	Garima Shuva Lava Saving Acount	10,000	2.95%
14	Garima Dampati Saving Account	10,000	2.95%
15	Foreign Remittance Saving Account**	1000	5.75%
16	Sworojgar Bachat Khata	500	2.75%
17	Foreign Employment IPO Account	1000	5.75%
18	Garima PMS Account	-	4.75%
19	All other Saving Account Product	100.00	2.75%

2. Fixed Deposits

Category	Account Name	Tenure	Interest Payment Frequency	Interest Rate
Individuals	Fixed Deposit	3 Months to Below 6 Months	Quarterly	2.75%
	Fixed Deposit	6 Months to Below 1 Year	Quarterly	3.00%
	Fixed Deposit	1 Year to Below 2 Years	Quarterly	3.50%
	Fixed Deposit	2 Years to Below 5 Years	Quarterly	4.50%
	Fixed Deposit	5 Years and Above	Quarterly	6.11%
	Sunaulo Bhabisya Baal Nikcchep Yojana	-	Quarterly	3.50%
	Recurring Deposit	-	Quarterly	3.50%
	Garima Swornim Nikcchep Yojana	-	Quarterly	3.50%
	Garima Surakshit Nikchhep Yojana**	-	Quarterly	3.25%
	Garima Surakshit Nikchhep Yojana**	-	Maturity	3.50%
Institutions	Fixed Deposit	6 Months to Below 1 Year	Quarterly	2.75%
	Fixed Deposit	1 Year to Below 2 Years	Quarterly	3.15%
	Fixed Deposit	2 Years to Below 5 Years	Quarterly	3.50%
	Fixed Deposit	5 Years and Above	Quarterly	5.11%

3. FCY Deposit

S.N.	Account Name	Rate (p.a.)
1	Saving Accounts	Up to 2.00%
2	Fixed Deposit Accounts	Up to 3.00%

4. Loan And Advances

S.N.	Name of the Loan Products	Premium over Base Rate (% per annum)
1	Hire Purchase Loan	2.00% to 4.00%
2	Auto Loan	Up to 3.50%
3	Business Loan (Term)	1.00% to 3.00%
4	Business Loan (Cash Credit)	1.00% to 3.00%
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	1.50% to 3.50%
10	Loan against Share	1.50% to 3.50%
11	SME Loan	1.00% to 3.00%
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 (Jestha End 2082)	6.76%

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

5. Fixed Rate per annum

Particulars	Upto 7 years	7-10 years	10-15 years	Above 15 Years
Home 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