Interest Rates

Effective from 1st Shrawan, 2078

1. Current and Saving Deposit Products

S.N. Account Name Min. Balance Interest Rate
1 Current Account* 5,000 0
2 Margin Account- Guarantee N/A 0
3 Corporate Call 5,000 Up to 1.50%
4 Financial Institution Call 5,000 Up to 1.50%
5 Personal Saving  100 3.00%
6 Anibarya Saving - 3.00%
7Bhabisya Surakchhit1003.00%
8 Home Employee Saving - 4.00%
9 Garima Nari Saving 100 3.00%
10 Welfare Saving 0 3.00%
11 Super Saving 5,000 3.00%
12 Remittance Saving Account 100 3.00%
13 Staff Saving - 4.00%
14 General Savings Account 500 3.00%
15 Public Saving 100 3.00%
16 Social Development Account 100 3.00%
17 Garima Shuva Lava Saving Acount 10,000 3.00%
18 Garima Dampati Saving Account 10,000 3.00%
19 Garima Sajilo Savings Account** 100 3.00%
20Mero Share Bachat Khata
5004.50%

2. Fixed Deposits

Category Account Name Tenure Interest Payment Rate 
Individual Fixed Deposit 3 months Quarterly/Maturity 7.50%
6 months Quarterly/Maturity 7.50%
9 months Quarterly/Maturity 7.50%
1 Year  Quarterly/Maturity 8.00%
2 years & above Quarterly/Maturity 8.00%
above 5 year Quarterly/Maturity 8.00%
Sunaulo Bhabisya Baal Nikcchep - Quarterly 8.00%
Recuring Fixed Deposit - Quarterly 8.00%
Institutions Fixed Deposit 3 months Quarterly/Maturity 7.50%
6 months Quarterly/Maturity 7.50%
9 months Quarterly/Maturity 7.50%
1 year Quarterly/Maturity 8.00%
above 1 years  Quarterly/Maturity 8.00%
above 2 year Quarterly/Maturity 8.00%

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

S.N Deposit Amount (NPR) Quarterly Interest At Maturity Interest Daily Medical & Treatment Facility Accidental Insurance Surgical Facility Minor Surgical Facility Medium Surgical Facility Major
1 10,000 to 99,999 7.75% 8.00% N/A 1,00,000 N/A N/A N/A
2 1,00,000 to 1,99,999 7.75%
8.00%
600 1,00,000 7,000 14,000 21,000
3 2,00,000 to 2,99,999 7.75%
8.00%
1,200 2,00,000 7,000 14,000 21,000
4 3,00,000 to 3,99,999 7.75%
8.00%
1,800 3,00,000 7,000 14,000 21,000
5 4,00,000 and Above 7.75%
8.00%
3,000 4,00,000 7,000 14,000 21,000

4. FCY Deposit

S.N. Account Name Rate
1 FCY Deposit up to 2%p.a

5. Loan And Advances

S.N. Name of Products Interest Rate
1 Micro Finance  (Wholesale) As per agreement
2 Loan Against FDR Coupon Rate + 2.00% 
3 Loan Against Deposit Coupon Rate + 2.00% 
4 Consortium Loan As per Agreement
5 All other Loan Products Base Rate + Premium up to 8.00%
  Base Rate (Chaitra End 2077) 8.16%
Consumer Personal loan (Fixed Rate per annum) Up to 5 years 5-10 years 10-15 years Above 15 Years
Home Loan 11.50% to13.00% 12.00% to14.00% 12.25 to 14.10% 12.50 to 14.25%
Hire Purchase/ Auto Loan 12.00% to 13.50% 12.50% to 14.00%  -  -
Personal Term/ Mortgage/ Demand Loan 11.50% to 13.50% 11.75% to 13.75%  12.00 to 14.00% 12.50 to 14.50%
Education Loan 11.00% to 12.50% 11.50% to 12.75% 12.00 to 13.00%  -
Baideshik Rojgar Karja 11.00% to 13.50% 11.50% to 14.00%  -  -
* Only for Electronic Transaction, minimum balance will be NPR 500.00
** Bank will deposit NPR 100.00

**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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