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Interest Rates

Effective from 1st poush,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 2.12%
4Financial Institution Call Account5,000Up to 2.12%
5Personal Saving Account1004.25%
6Anibarya Saving Account-4.25%
7Bhabisya Surakchhit Saving Account1004.25%
8Bal Bachat Saving Account
100
4.25%
9Senior Citizen Saving Account
100
4.25%
10Home Employee Saving Account-4.25%
11Garima Nari Saving Account1004.25%
12Janakalyan Bachat Khata-4.25%
13Mero Share Bachat Khata
500
6.25%
14Super Saving Account5,0004.25%
15Remittance Saving Account1004.25%
16Staff Saving Account-4.25%
17General Saving Account5004.25%
18Public Saving Account1004.25%
19Social Development Account1004.25%
20Garima Shuva Lava Saving Acount10,0004.40%
21Garima Dampati Saving Account10,0004.40%
22Garima Sajilo Savings Account**1004.25%
23Foreign Remittance Saving Account**
1000
7.25%
24Sahara Bachat Khata1004.25%
25Sworojgar Bachat Khata
5004.25%
26Foreign Employment IPO Account
1000
7.25%
27Garima PMS Account-6.25%

2. Fixed Deposits

CategoryAccount NameTenureInterest Payment FrequencyInterest Rate (% p.a.)
IndividualFixed DepositBelow 6 MonthsMonthly/Quarterly/Maturity9.00%
Fixed Deposit6 Months to Below 1 YearMonthly/Quarterly/Maturity9.15%
Fixed Deposit1 Year & AboveMonthly/Quarterly/Maturity9.25%
Foreign Remittance FD Account**Below 6 MonthsMonthly/Quarterly/Maturity10.00%
Foreign Remittance FD Account**6 Months to Below 1 YearMonthly/Quarterly/Maturity10.15%
Foreign Remittance FD Account**1 Year & AboveMonthly/Quarterly/Maturity10.25%
Sunaulo Bhabisya Baal Nikcchep Yojana-Quarterly9.25%
Recurring Deposit-Quarterly9.25%
Garima Swornim Nikcchep Yojana-Quarterly9.25%
Garima Surakshit Nikchhep Yojana**-Quarterly9.00%
Garima Surakshit Nikchhep Yojana**-Maturity9.25%
InstitutionsFixed DepositBelow 1 YearMonthly/Quarterly/Maturity7.15%
Fixed Deposit1 Year & AboveMonthly/Quarterly/Maturity7.25%

3. FCY Deposit

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

4. Loan And Advances

S.N.Name of 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/ Professional 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 (Kartik End, 2080)11.26%
S.N.Name of ProductInterest Rate (% Per Annum)
1
Loan Against Fixed Deposit
Coupon Rate + P2.00%
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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