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२९ माघ, २०७७
11th Feb, 2021
Wed, November 29, 2023
वि.सं २०८० मङ्सिर १३,बुधबार

Interest Rates

Effective from 1st Mangshir 2080

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Corporate Call Account5,000Up to 2.375%
4Financial Institution Call Account5,000Up to 2.375%
5Personal Saving Account1004.75%
6Anibarya Saving Account-4.75%
7Bhabisya Surakchhit Saving Account1004.75%
8Bal Bachat Saving Account
100
4.75%
9Senior Citizen Saving Account
100
4.75%
10Home Employee Saving Account-4.75%
11Garima Nari Saving Account1004.75%
12Janakalyan Bachat Khata-4.75%
13Mero Share Bachat Khata
500
6.75%
14Super Saving Account5,0004.75%
15Remittance Saving Account1004.75%
16Staff Saving Account-4.75%
17General Saving Account5004.75%
18Public Saving Account1004.75%
19Social Development Account1004.75%
20Garima Shuva Lava Saving Acount10,0004.95%
21Garima Dampati Saving Account10,0004.95%
22Garima Sajilo Savings Account**1004.75%
23Foreign Remittance Saving Account**
1000
7.75%
24Sahara Bachat Khata1004.75%
25Sworojgar Bachat Khata
5004.75%
26Foreign Employment IPO Account
1000
7.75%
27Garima PMS Account-6.75%

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate
IndividualFixed DepositBelow 1 YearMonthly/Quarterly/Maturity9.50%
Fixed Deposit1 Year & aboveMonthly/Quarterly/Maturity9.75%
Foreign Remittance FD Account**Below 1 YearMonthly/Quarterly/Maturity10.50%
Foreign Remittance FD Account**1 Year & aboveMonthly/Quarterly/Maturity10.75%
Sunaulo Bhabisya Baal Nikchhep Yojana-Quarterly9.75%
Recuring Deposit-Quarterly9.75%
Garima Swornim Nikchhep YojanaQuarterly9.75%
Garima Surakchhit Nikchhep Yojana1 year & aboveQuarterly9.50%
Garima Surakchhit Nikchhep Yojana1 year & aboveMaturity9.75%
InstitutionsFixed DepositBelow 1 YearMonthly/Quarterly/Maturity7.50%
Fixed Deposit1 Year & aboveMonthly/Quarterly/Maturity7.75%

3. FCY Deposit

S.N.Account Name

Rate

1FCY Depositup to 2%p.a

4. Loan And Advances

S.N.Name of ProductPremium over Base Rate (% per annum)
1
Hire Purchase Loan
1.50% to 3.50%
2
Auto Loan
1.00% to 3.00%
3
Business Loan
1.00% to 3.00%
4
Education Loan
1.00% to 3.00%
5
Housing Loan
0.50% to 2.50%
6
Personal Loan
2.00% to 4.00%
7
Agriculture Loan
1.00% to 3.00%
8
Real Estate Loan
1.50% to 3.50%
9
Loan against Share
1.00% to 3.00%
10
SME Loan
0.50% to 2.50%
11
Bridge Gap Loan
2.00% to 4.00%
12
Deprived Sector Lending
2.00% to 4.00%
13
Gold Loan
2.00% to 4.00%
14
Microfinance Wholesale Lending
Up to 2.00%
15
Force Loan
5.00%

Base Rate (Ashwin End 2080)11.63%


S.N.Name of ProductInterest Rate (% Per Annum)
1
Loan Against Fixed Deposit
Coupon Rate + 2.00%
2
Consortium Loan
As per Consortium Agreement


Fixed Rate per annum

ParticularsUpto 5 years5-10 years10-15 yearsAbove 15 Years
Home 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%
Education Loan
13.75% to 15.75%14.25% to 16.00%14.75% to 16.00%
Baideshik Rojgar Karja
13.75% to 15.75%14.25% to 16.00%

* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.

** Conditions applied

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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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