Interest Rates

Effective from 1st Ashar , 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%
8Home Employee Saving-7.00%
9Garima Nari Saving1007.00%
10Janakalyan Bachant Khata1007.00%
11Mero Share Bachat Khata
500
9.00%
12Super Saving5,0007.00%
13Remittance Saving Account1007.00%
14Staff Saving-7.00%
15General Savings Account5007.00%
16Public Saving1007.00%
17Social Development Account1007.00%
18Garima Shuva Lava Saving Acount10,0007.20%
19Garima Dampati Saving Account10,0007.20%
20Garima Sajilo Savings Account**1007.00%
21Foreign Remittance Saving Account**
1000
10.00%
22Sahara Saving1007.00%
23Sworojgar Saving Account 
5007.00%
24Bal Bachat Khata
1007.00%
25Senior Citizen Saving A/C
1007.00%

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/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 to 99,99911.75%12.00%N/A1,00,000N/AN/AN/A
21,00,000 to 1,99,99911.75%
12.00%
6001,00,0007,00014,00021,000
32,00,000 to 2,99,99911.75%
12.00%
1,2002,00,0007,00014,00021,000
43,00,000 to 3,99,99911.75%
12.00%
1,8003,00,0007,00014,00021,000
54,00,000 and Above11.75%
12.00%
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 (Chaitra End 2078)10.89%
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%13.0 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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