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२९ माघ, २०७७
11th Feb, 2021
Wed, April 24, 2024
वि.सं २०८१ ब‌ैशाख १२,बुधबार

Interest Rates

Effective from 1st Baishak ,2081

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate (% p . a)
1Current Account*5,000.000
2Margin AccountN/A0
3Corporate Call Account5,000.00Up to 1.50%
4Financial Institution Call Account5,000.00Up to 1.50%
5Anibarya Bachat -3.05%
6Home Employee Saving Account-3.05%
7Janakalyan Bachat Khata-3.05%
8Mero Share Bachat Khata500.00
5.05%
9Garima Five in One Bachat Khata
1,000.00
4.05%
10Super Saving
5,000.003.05%
11Staff Saving
-3.05%
12General Savings Account500.003.05%
13Garima Shuva Lava Saving Account
10,000.00
3.25%
14Garima Dampati Saving Account
10,000.003.25%
15Foreign Remittance Saving Account
1,000.006.05%
16Sworojgar Bachat Khata
500.003.05%
17Foreign Employment IPO Account
1,000.006.05%
18Garima PMS Account
-5.05%
19All Other Saving Account Product100.003.05%

2. Fixed Deposits

Category Account NameTenureInterest Payment FrequencyInterest Rate (% p.a.)
IndividualFixed Deposit3 Months to Below 6 MonthsMonthly/Quarterly/Maturity6.00%
Fixed Deposit6 Months to Below 1 YearMonthly/Quarterly/Maturity6.25%
Fixed Deposit1 Year & Below 2 YearsMonthly/Quarterly/Maturity7.00%
Fiexed Deposit2 years & AboveMonthly/Quarterly/Maturity7.75%
Sunaulo Bhabisya Baal Nikcchep Yojana-Quarterly7.00%
Recurring Deposit-Quarterly7.00%
Garima Swornim Nikcchep Yojana-Quarterly7.00%
Garima Surakshit Nikchhep Yojana**-Quarterly6.75%
Garima Surakshit Nikchhep Yojana**-Maturity7.00%
InstitutionsFixed Deposit6 Months to Below 1 YearMonthly/Quarterly/Maturity5.25%
Fixed Deposit1 Year & Below 2 YearsMonthly/Quarterly/Maturity6.00%
Fixed Deposit2 Years & AboveMonthly/Quarterly/Maturity6.50%
* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.
** Conditions applied

3. FCY Deposit

S.N.Account NameInterest Rate P.a
1Savings AccountsUp to 2%p.a
2Fixed Deposit AccountsUp to 3%p.a

4. Loan And Advances

S.N.Name of ProductPremium over Base Rate (% per annum)
1
Hire Purchase Loan
2.00% to 4.00%
2
Auto Loan
1.50% to 3.50%
3
Business Loan
0.75% to 2.75%
4
Education Loan
1.00% to 3.00%
5
Housing Loan
0.50% to 2.50%
6
Personal Loan/ Professional Loan
2.00% to 4.00%
7
Agriculture Loan
1.00% to 3.00%
8
Real Estate Loan
1.50% to 3.50%
9
Loan against Share
1.00% to 3.00%
10
SME Loan
0.50% to 2.50%
11
Bridge Gap Loan
1.50% to 3.50%
12
Deprived Sector Lending
2.00% to 4.00%
13
Gold Loan
2.00% to 4.00%
14
Microfinance Wholesale Lending
Up to 2.00%
15
Force Loan
5.00%

Base Rate (Falgun End, 2080)10.11%
S.N.Name of ProductInterest Rate (% Per Annum)
1
Loan Against Fixed Deposit
Coupon Rate + Premium up to 2.00%
2
Consortium Loan
As per Consortium Agreement

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%
Education Loan
13.75% to 15.75%14.25% to 16.00%14.75% to 16.00%-
Baideshik Rojgar Karja
13.75% to 15.75%14.25% to 16.00%--

Note

  1. For Remittance Fixed Deposit,1% additional rate shall be provided.
  2. Interest Rate on Credit Card shall be as per Standard Tariff Charges.
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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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