Interest Rates

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 Account	5,000	Up to 2.625%
4	Financial Institution Call Account	5,000	Up to 2.625%
5	Personal Saving Account	100	5.25%
6	Anibarya Saving Account	-	5.25%
7	Bhabisya Surakchhit Saving Account	100	5.25%
8	Bal Bachat Saving Account	100	5.25%
9	Senior Citizen Saving Account	100	5.25%
10	Home Employee Saving Account	-	5.25%
11	Garima Nari Saving Account	100	5.25%
12	Janakalyan Bachat Khata	-	5.25%
13	Mero Share Bachat Khata	500	7.25%
14	Super Saving Account	5,000	5.25%
15	Remittance Saving Account	100	5.25%
16	Staff Saving Account	-	5.25%
17	General Saving Account	500	5.25%
18	Public Saving Account	100	5.25%
19	Social Development Account	100	5.25%
20	Garima Shuva Lava Saving Acount	10,000	5.45%
21	Garima Dampati Saving Account	10,000	5.45%
22	Garima Sajilo Savings Account**	100	5.25%
23	Foreign Remittance Saving Account**	1000	8.25%
24	Sahara Bachat Khata	100	5.25%
25	Sworojgar Bachat Khata	500	5.25%
26	Foreign Employment IPO Account	1000	8.25%
27	Garima PMS Account	-	7.25%

2. Fixed Deposits

Category	Account Name	Tenure	Interest Payment	Rate
Individual	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	10.15%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	10.25%
	Foreign Remittance FD Account**	Below 1 Year	Monthly/Quarterly/Maturity	11.15%
	Foreign Remittance FD Account**	1 Year & above	Monthly/Quarterly/Maturity	11.25%
	Sunaulo Bhabisya Baal Nikchhep Yojana	-	Quarterly	10.25%
	Recuring Deposit	-	Quarterly	10.25%
	Garima Swornim Nikchhep Yojana	-	Quarterly	10.25%
	Garima Surakchhit Nikchhep Yojana	1 year & above	Quarterly	10.00%
	Garima Surakchhit Nikchhep Yojana	1 year & above	Maturity	10.25%
Institutions	Fixed Deposit	Below 1 Year	Monthly/Quarterly/Maturity	8.15%
	Fixed Deposit	1 Year & above	Monthly/Quarterly/Maturity	8.25%

3. FCY Deposit

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

4. Loan And Advances

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

Fixed Rate per annum

Particulars	Upto 5 years	5-10 years	10-15 years	Above 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