Effective from 1st Ashwin, 2080
1. Current and Saving Deposit Products
S. No. |
Account Name |
Minimum Balance (Rs.) |
Interest Rate(% p.a.) |
|---|---|---|---|
1 |
Current Account* | 5,000 |
0 |
2 |
Margin Account | N/A |
0 |
3 |
Corporate Call | 5,000 |
Up to 3.00 |
4 |
Financial Institution Call | 5,000 |
Up to 3.00 |
5 |
Personal Saving | 100 |
6.00 |
6 |
Anibarya Bachat | - |
6.00 |
7 |
Bhabisya Surakshit | 100 |
6.00 |
8 |
Home Employee Saving | - |
6.00 |
9 |
GarimaNari Saving | 100 |
6.00 |
10 |
Bal Bachat Saving Account | 100 |
6.00 |
11 |
Senior Citizen Saving Account | 100 |
6.00 |
12 |
Janakalyan Bachat Khata | - |
6.00 |
13 |
Mero Share Bachat Khata | 500 |
8.00 |
14 |
Super Saving | 5,000 |
6.00 |
15 |
Remittance Saving Account | 100 |
6.00 |
16 |
Staff Saving | - |
6.00 |
17 |
General Savings Account | 500 |
6.00 |
18 |
Public Saving | 100 |
6.00 |
19 |
Social Development Account | 100 |
6.00 |
20 |
Garima Shuva Lava Saving Account | 10,000 |
6.20 |
21 |
Garima Dampati Saving Account | 10,000 |
6.20 |
22 |
Garima Sajilo Saving Account** | 100 |
6.00 |
23 |
Foreign Remittance Saving Account** | 1,000 |
9.00 |
24 |
Sahara Bachat Khata | 100 |
6.00 |
25 |
Sworojgar Bachat Khata | 500 |
6.00 |
26 |
Foreign Employment IPO Account | 1,000 |
9.00 |
27 |
Garima PMS Account | - |
8.00 |
2. Fixed Deposits
Category |
Account Name |
Tenure |
Interest Payment Frequency |
Interest Rate(% p.a.) |
|---|---|---|---|---|
| Individuals | Fixed Deposit | Below 1 Year |
Monthly/Quarterly/Maturity |
10.90 |
| Fixed Deposit | 1 Year & Above |
Monthly/Quarterly/Maturity |
11.00 |
|
| Foreign Remittance FD Account** | Below 1 Year |
Monthly/Quarterly/Maturity |
11.90 |
|
| Foreign Remittance FD Account** | 1 Year & Above |
Monthly/Quarterly/Maturity |
12.00 |
|
| Sunaulo Bhabisya Baal Nikcchep Yojana | - |
Quarterly |
11.00 |
|
| Recurring Deposit | - |
Quarterly |
11.00 |
|
| Garima Swornim Nikcchep Yojana | - |
Quarterly |
11.00 |
|
| Garima Surakshit Nikchhep Yojana | 1 Year & Above |
Quarterly |
11.00 |
|
| Garima Surakshit Nikchhep Yojana | 1 Year & Above |
Maturity |
11.00 |
|
| Institutions | Fixed Deposit | Below 1 Year |
Monthly/Quarterly/Maturity |
8.90 |
| Fixed Deposit | 1 Year & Above |
Monthly/Quarterly/Maturity |
9.00 |
3. Garima Swasthya Surakshit Nikchhep Yojana (1 Year Fixed Deposit) (Conditions are applicable.)
| S.N | Deposit Amount (NPR) | Quarterly Interest | At Maturity Interest | Hospitalized charged (Bed Facility) | Accidental Insurance | Surgical Facility Minor | Surgical Facility Medium | Surgical Facility Major |
|---|---|---|---|---|---|---|---|---|
| 1 | 10,000.00 to 99,999.00 | 10.75% | 11.00% | N/A | 1,00,000 | N/A | N/A | N/A |
| 2 | 1,00,000.00 to 1,99,999.00 | 10.75% | 11.00% | 600 | 1,00,000 | 7,000 | 14,000 | 21,000 |
| 3 | 2,00,000.00 to 2,99,999.00 | 10.75% | 11.00% | 1,200 | 2,00,000 | 7,000 | 14,000 | 21,000 |
| 4 | 3,00,000.00 to 3,99,999.00 | 10.75% | 11.00% | 1,800 | 3,00,000 | 7,000 | 14,000 | 21,000 |
| 5 | 4,00,000.00 and Above | 10.75% | 11.00% | 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 | Loan Against FDR | Coupon Rate + 2.00% |
| 2 | Loan Against Deposit | Coupon Rate + 2.00% |
| 3 | Consortium Loan | As per Agreement |
| 4 | Force Loan | Base Rate + 8.00% Premium |
| 5 | All other Loan Products | Base Rate + Premium up to 5.00% |
| Base Rate (Asadh End 2080) | 11.78% |
| Consumer Personal loan (Fixed Rate per annum) | Up to 5 years | 5-10 years | 10-15 years | Above 15 Years |
|---|---|---|---|---|
| Home Loan | 11.99% to 14.25% | 11.99% to 14.50% | 11.99% to 14.75% | 11.99% to 15.00% |
| 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 transaction through electronic medium.
** Condition applied
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