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% |
| 7 | Bhabisya Surakchhit | 100 | 3.00% |
| 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% |
| 20 | Mero Share Bachat Khata | 500 | 4.50% |
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
Fd Rates
Product Comparison
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 Open Fixed Deposite