Interest Rates

Effective from 3rd Kartik, 2078

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Corporate Call5,000Up to 2.25%
4Financial Institution Call5,000Up to 2.25%
5Personal Saving 1004.50%
6Anibarya Saving-4.50%
7Bhabisya Surakchhit1004.50%
8Home Employee Saving-4.50%
9Garima Nari Saving1004.50%
10Welfare Saving04.50%
11Super Saving5,0004.50%
12Remittance Saving Account1004.50%
13Staff Saving-4.50%
14General Savings Account5004.50%
15Public Saving1004.50%
16Social Development Account1004.50%
17Garima Shuva Lava Saving Acount10,0006.25%
18Garima Dampati Saving Account10,0006.25%
19Garima Sajilo Savings Account**1004.50%
20Mero Share Bachat Khata
5006.00%
21Foreign Remittance Saving Account**
1000
7.50

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate 
IndividualFixed Deposit3 months and aboveQuarterly/Maturity9.50%
Foreign Remittance FD Account**  
3 months and aboveQuarterly/Maturity
10.50%
Sunaulo Bhabisya Baal Nikcchep-Quarterly9.50%
Recuring Fixed Deposit-Quarterly9.50%
InstitutionsFixed Deposit3 months and aboveQuarterly/Maturity8.50%

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

S.NDeposit Amount (NPR)Quarterly InterestAt Maturity InterestDaily Medical & Treatment FacilityAccidental InsuranceSurgical Facility MinorSurgical Facility MediumSurgical Facility Major
110,000 to 99,9999.25%9.50%N/A1,00,000N/AN/AN/A
21,00,000 to 1,99,9999.25%
9.50%
6001,00,0007,00014,00021,000
32,00,000 to 2,99,9999.25%
9.50%
1,2002,00,0007,00014,00021,000
43,00,000 to 3,99,9999.25%
9.50%
1,8003,00,0007,00014,00021,000
54,00,000 and Above9.25%
9.50%
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 (Ashwin End 2077)8.73%
Consumer Personal loan (Fixed Rate per annum)Up to 5 years5-10 years10-15 yearsAbove 15 Years
Home Loan11.50% to13.00%12.00% to14.00%12.25 to 14.10%12.50 to 14.25%
Hire Purchase/ Auto Loan12.00% to 13.50%12.50% to 14.00% - -
Personal Term/ Mortgage/ Demand Loan11.50% to 13.50%11.75% to 13.75% 12.00 to 14.00%12.50 to 14.50%
Education Loan11.00% to 12.50%11.50% to 12.75%12.00 to 13.00% -
Baideshik Rojgar Karja11.00% to 13.50%11.50% to 14.00% - -
* 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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