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	Call Account (Corporate/Financial Institution)	5,000	Up to 1.37%
4	Anibarya Saving Account	-	2.75%
5	Home Employee Saving Account	-	2.75%
6	Janakalyan Bachat Khata	-	2.75%
7	Mero Share Bachat Khata	500	4.75%
8	Garima 5 in 1 Bachat Khata	1,000	3.75%
9	Super Saving Account	5,000	2.75%
10	Staff Saving Account	-	2.75%
11	General Savings Account	500	2.75%
12	Garima Shuva Lava Saving Acount	10,000	2.95%
13	Garima Dampati Saving Account	10,000	2.95%
14	Foreign Remittance Saving Account	1,000	5.75%
15	Sworojgar Bachat Khata	500	2.75%
16	Foreign Employment IPO Account	1,000	5.75%
17	Garima PMS Account	-	4.75%
18	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	2.75%
	Fixed Deposit	1 Year to Below 2 Years	Quarterly	3.00%
	Fixed Deposit	2 Years to Below 5 Years	Quarterly	4.00%
	Fixed Deposit	5 Years and Above	Quarterly	5.76%
	Sunaulo Bhabisya Baal Nikcchep Yojana	-	Quarterly	3.00%
	Recurring Deposit	-	Quarterly	3.00%
	Garima Swornim Nikcchep Yojana	-	Quarterly	3.00%
	Garima Surakshit Nikchhep Yojana**	-	Quarterly	2.75%
	Garima Surakshit Nikchhep Yojana**	-	Maturity	3.00%
Institutions	Fixed Deposit	6 Months to Below 1 Year	Quarterly	2.75%
	Fixed Deposit	1 Year to Below 2 Years	Quarterly	2.75%
	Fixed Deposit	2 Years to Below 5 Years	Quarterly	3.00%
	Fixed Deposit	5 Years and Above	Quarterly	4.76%

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 Product	Proposed Premium % over Base Rate (p.a.)
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%
4	Business 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 Loan	1.00% to 3.00%
10	Loan against Share	1.00% to 3.00%
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	Garima Awas Karja	Up to 2.00%
16	Microfinance Wholesale Lending	Up to 2.00%
17	Force Loan	5.00%
	Average Base Rate (Bhadra End 2082)	6.73%

S.N.	Name of Product	Interest Rate (% p.a.)
1	Loan Against Fixed Deposit	Coupon Rate + Premium up to 2%
2	Consortium Loan	As per Consortium Agreement

C. Fixed Rate (p.a.)

Particulars	Up to 7 years	7-10 years	10-15 years	Above 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%

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