Interest Rates

Effective from 1st Magh , 2079

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Corporate Call5,000Up to 3.50%
4Financial Institution Call5,000Up to 3.50%
5Personal Saving 1007.00%
6Anibarya Saving-7.00%
7Bhabisya Surakchhit1007.00%
8Bal Bachat Saving Account
100
7.00%
9Senior Citizen Saving A/C
100
7.00%
10Home Employee Saving-7.00%
11Garima Nari Saving1007.00%
12Janakalyan Bachant Khata-7.00%
13Mero Share Bachat Khata
500
9.00%
14Super Saving5,0007.00%
15Remittance Saving Account1007.00%
16Staff Saving-7.00%
17General Savings Account5007.00%
18Public Saving1007.00%
19Social Development Account1007.00%
20Garima Shuva Lava Saving Acount10,0007.20%
21Garima Dampati Saving Account10,0007.20%
22Garima Sajilo Savings Account**1007.00%
23Foreign Remittance Saving Account**
1000
10.00%
24Sahara Bachat Khata1007.00%
25Sworojgar Bachat Khata
5007.00%
26Foreign Employment IPO Account
1000
10.00%
27Garima PMS Account-9.00%

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate 
IndividualFixed Deposit3 months and aboveMonthly/Quarterly/Maturity12.00%
Foreign Remittance FD Account**  3 months and aboveMonthly/Quarterly/Maturity13.00%
Sunaulo Bhabisya Baal Nikcchep-Quarterly12.00%
Recuring Fixed Deposit-Quarterly12.00%
Garima Swornim Nikcchep yojana Quarterly12.00%
InstitutionsFixed Deposit3 months and aboveMonthly/Quarterly/Maturity10.00%

3. Garima Malamal Muddati Yojana (Double and Triple Scheme)

ParticularMinumum BalanceInterest Rate
Garima Malamal Muddati Yojana 2x 10,000.00Double in 6 Years, 1 Months and 20 Days
Garima Malamal Muddati Yojana 3x10,000.00Triples in 9 Years, 9 Months and 23 days 

4. Garima Swasthya Surakshit Nikchhep Yojana (1 Year Fixed Deposit) (Conditions are applicable.)

S.NDeposit Amount (NPR)Quarterly InterestAt Maturity InterestHospitalized charged (Bed  Facility)Accidental InsuranceSurgical Facility MinorSurgical Facility MediumSurgical Facility Major
110,000.00 to 99,999.0011.75%12.00%N/A1,00,000N/AN/AN/A
21,00,000.00 to 1,99,999.0011.75%
12.00%
6001,00,0007,00014,00021,000
32,00,000.00 to 2,99,999.0011.75%
12.00%
1,2002,00,0007,00014,00021,000
43,00,000.00 to 3,99,999.0011.75%
12.00%
1,8003,00,0007,00014,00021,000
54,00,000.00 and Above11.75%
12.00%
3,0004,00,0007,00014,00021,000

5. FCY Deposit

S.N.Account NameRate
1FCY Depositup to 2%p.a

6. Loan And Advances

S.N.Name of ProductsInterest Rate
1Loan Against FDR
Coupon Rate + 2.00%
2Loan Against Deposit
Coupon Rate + 2.00% 
3Consortium Loan
As per Agreement 
4Force LoanBase Rate + 8% Premium
5All other Loan ProductsBase Rate + Premium up to 8.00%
 Base Rate (Ashwin End 2079)12.48%
Consumer Personal loan (Fixed Rate per annum)Up to 5 years5-10 years10-15 yearsAbove 15 Years
Home Loan14.00% to 15.75%14.25% to16.00%14.45% to 16.00%14.75% to 16.00%
Hire Purchase/ Auto Loan15.25% to 16.00%15.25% to 16.00% - -
Personal Term/ Mortgage/ Demand Loan14.00% to 15.75%14.25% to 16.00% 14.50% to 16.00% 14.75% to 16.00%
Education Loan13.75% to 15.75%14.25% to 16.00%14.75% to 16.00% -
Baideshik Rojgar Karja13.75% to 15.75%14.25% to 16.00% - -
* Minimum Balance of Rs.500 only to customers doing transaction through electronic medium.
**T&C apply
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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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