Interest Rates

Effective from 1st Ashwin , 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 4.00%
4Financial Institution Call5,000Up to 4.00%
5Personal Saving 1008.00%
6Anibarya Saving-8.00%
7Bhabisya Surakchhit1008.00%
8Bal Bachat Saving Account
100
8.00%
9Senior Citizen Saving A/C
100
8.00%
10Home Employee Saving-8.00%
11Garima Nari Saving1008.00%
12Janakalyan Bachant Khata1008.00%
13Mero Share Bachat Khata
500
10.00%
14Super Saving5,0008.00%
15Remittance Saving Account1008.00%
16Staff Saving-8.00%
17General Savings Account5008.00%
18Public Saving1008.00%
19Social Development Account1008.00%
20Garima Shuva Lava Saving Acount10,0008.20%
21Garima Dampati Saving Account10,0008.20%
22Garima Sajilo Savings Account**1008.00%
23Foreign Remittance Saving Account**
1000
11.00%
24Sahara Bachat Khata1008.00%
25Sworojgar Bachat Khata
5008.00%

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate 
IndividualFixed Deposit3 months and aboveMonthly/Quarterly/Maturity13.00%
Foreign Remittance FD Account**  3 months and aboveMonthly/Quarterly/Maturity14.00%
Sunaulo Bhabisya Baal Nikcchep-Quarterly13.00%
Recuring Fixed Deposit-Quarterly13.00%
Garima Swornim Nikcchep yojana Quarterly13.00%
InstitutionsFixed Deposit3 months and aboveMonthly/Quarterly/Maturity11.00%

3. 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 99,999.0012.75%13.00%N/A1,00,000N/AN/AN/A
21,00,000.00 to 1,99,999.0012.75%
13.00%
6001,00,0007,00014,00021,000
32,00,000.00 to 2,99,999.0012.75%
13.00%
1,2002,00,0007,00014,00021,000
43,00,000.00 to 3,99,999.0012.75%
13.00%
1,8003,00,0007,00014,00021,000
54,00,000.00 and Above12.75%
13.00%
3,0004,00,0007,00014,00021,000

4. FCY Deposit

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

5. Loan And Advances

S.N.Name of ProductsInterest Rate
1Micro Finance  (Wholesale)As per agreement
2Loan Against FDRCoupon Rate + 2.00% 
3Loan Against DepositCoupon Rate + 2.00% 
4Consortium LoanAs per Agreement
5All other Loan ProductsBase Rate + Premium up to 8.00%
 Base Rate (Ashad End 2079)11.41%
Consumer Personal loan (Fixed Rate per annum)Up to 5 years5-10 years10-15 yearsAbove 15 Years
Home Loan12.25% to14.00%12.50% to14.50%12.70 to 14.75%13.00% to 15.00%
Hire Purchase/ Auto Loan13.50% to 14.50%13.50% to 15.00% - -
Personal Term/ Mortgage/ Demand Loan12.25% to 14.50%12.50% to 14.75% 12.75 to 15.00%13.00% to 15.00%
Education Loan12.00% to 14.00%12.50% to 14.50%13.00 to 15.00% -
Baideshik Rojgar Karja12.00% to 14.00%12.50% to 14.50% - -
* 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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