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२९ माघ, २०७७
11th Feb, 2021
Sat, June 14, 2025
वि.सं २०८२ जेठ ३१,शनिबार

Interest Rates

Effective from 3rd Kartik, 2078

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Corporate Call5,000Up to 2.25%
4Financial Institution Call5,000Up to 2.25%
5Personal Saving 1004.50%
6Anibarya Saving-4.50%
7Bhabisya Surakchhit1004.50%
8Home Employee Saving-4.50%
9Garima Nari Saving1004.50%
10Welfare Saving04.50%
11Mero Share Bachat Khata
500
6.00%
12Super Saving5,0004.50%
13Remittance Saving Account1004.50%
14Staff Saving-4.50%
15General Savings Account5004.50%
16Public Saving1004.50%
17Social Development Account1004.50%
18Garima Shuva Lava Saving Acount10,0006.25%
19Garima Dampati Saving Account10,0006.25%
20Garima Sajilo Savings Account**1004.50%
21Foreign Remittance Saving Account**
1000
7.50%

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate 
IndividualFixed Deposit3 months and aboveQuarterly/Maturity9.50%
Foreign Remittance FD Account**  
3 months and aboveQuarterly/Maturity
10.50%
Sunaulo Bhabisya Baal Nikcchep-Quarterly9.50%
Recuring Fixed Deposit-Quarterly9.50%
InstitutionsFixed Deposit3 months and aboveQuarterly/Maturity8.50%

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

S.NDeposit Amount (NPR)Quarterly InterestAt Maturity InterestDaily Medical & Treatment FacilityAccidental InsuranceSurgical Facility MinorSurgical Facility MediumSurgical Facility Major
110,000 to 99,9999.25%9.50%N/A1,00,000N/AN/AN/A
21,00,000 to 1,99,9999.25%
9.50%
6001,00,0007,00014,00021,000
32,00,000 to 2,99,9999.25%
9.50%
1,2002,00,0007,00014,00021,000
43,00,000 to 3,99,9999.25%
9.50%
1,8003,00,0007,00014,00021,000
54,00,000 and Above9.25%
9.50%
3,0004,00,0007,00014,00021,000

4. FCY Deposit

S.N.Account NameRate
1FCY Depositup to 2%p.a

5. Loan And Advances

S.N.Name of ProductsInterest Rate
1Micro Finance  (Wholesale)As per agreement
2Loan Against FDRCoupon Rate + 2.00% 
3Loan Against DepositCoupon Rate + 2.00% 
4Consortium LoanAs per Agreement
5All other Loan ProductsBase Rate + Premium up to 8.00%
 Base Rate (Ashwin End 2078)8.73%
Consumer Personal loan (Fixed Rate per annum)Up to 5 years5-10 years10-15 yearsAbove 15 Years
Home Loan11.50% to13.00%12.00% to14.00%12.25 to 14.10%12.50 to 14.25%
Hire Purchase/ Auto Loan12.00% to 13.50%12.50% to 14.00% - -
Personal Term/ Mortgage/ Demand Loan11.50% to 13.50%11.75% to 13.75% 12.00 to 14.00%12.50 to 14.50%
Education Loan11.00% to 12.50%11.50% to 12.75%12.00 to 13.00% -
Baideshik Rojgar Karja11.00% to 13.50%11.50% to 14.00% - -
* Minimum Balance of Rs.500 only to customers doing transaction through electronic medium.
**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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