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२९ माघ, २०७७
11th Feb, 2021
Thu, October 10, 2024
वि.सं २०८१ असोज २४,बिहिबार

Interest Rates

Effective from Ashwin,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 -3.00%
6Home Employee Saving Account-3.00%
7Janakalyan Bachat Khata-3.00%
8Mero Share Bachat Khata500.00
5.00%
9Garima Five in One Bachat Khata
1,000.00
4.00%
10Super Saving
5,000.003.00%
11Staff Saving
-3.00%
12General Savings Account500.003.00%
13Garima Shuva Lava Saving Account
10,000.00
3.20%
14Garima Dampati Saving Account
10,000.003.20%
15Foreign Remittance Saving Account
1,000.006.00%
16Sworojgar Bachat Khata
500.003.00%
17Foreign Employment IPO Account
1,000.006.00%
18Garima PMS Account
-5.00%
19All Other Saving Account Product100.003.00%

2. Fixed Deposits

Category Account NameTenureInterest Payment FrequencyInterest Rate (% p.a.)
IndividualFixed Deposit3 Months to Below 6 MonthsQuarterly4.50%
Fixed Deposit6 Months to Below 1 YearQuarterly5.00 %
Fixed Deposit1 Year & Below 2 YearsQuarterly6.00%
Fixed Deposit2 years & AboveQuarterly6.50%
Sunaulo Bhabisya Baal Nikcchep Yojana-Quarterly6.00%
Recurring Deposit-Quarterly6.00%
Garima Swornim Nikcchep Yojana-Quarterly6.00%
Garima Surakshit Nikchhep Yojana**-Quarterly5.75%
Garima Surakshit Nikchhep Yojana**-Maturity6.00%
InstitutionsFixed Deposit6 Months to Below 1 YearQuarterly4.00%
Fixed Deposit1 Year & Below 2 YearsQuarterly5.00%
Fixed Deposit2 Years & AboveQuarterly5.50%
* 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 2.00%
2Fixed Deposit AccountsUp to 3.00%

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
Upto 3.50%
3
Business Loan
1.00% to 3.00%
4Business Loan (Cash Credit)Upto 2.00%
5
Education Loan
1.00% to 3.00%
6
Housing Loan
1.00% to 3.00%
7
Personal Loan/ Professional Loan
2.00% to 4.00%
8
Agriculture Loan
1.00% to 3.00%
9
Real Estate Loan
1.50% to 3.50%
10
Loan against Share
1.00% to 3.00%
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 (Shrawan End, 2081)8.49 %
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%-

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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