January 18th 2018
४ माघ २०७४

Interest Rates

1. Current and Saving Deposit Products

Sn Account Name Min. Balance Interest Rate
1 Current Account 5,000.00 0
2 Margin Account- Guarantee N/A 0
3 Personal Call 1,000 Maximum-6.50%
4 Corporate Call 5,000 Maximum-6.50%
5 Financial Institution Call 5,000 Maximum-6%
6 Personal Saving  100 6.50
7 Group Saving - 6.50
8 Home Employee Saving - 7.00
9 GarimaNari Saving 100 6.50
10 Welfare Saving 100 6.50
11 Super Saving 5000 6.50
12 Remittance Saving Account 100 6.50
13 Staff Saving - 7.00
14 General Savings Account 500 6.50
15 Public Saving 100 6.50
16 Social Development Account 100 6.50
17 Garima Shuva Lava Saving Acount 10000 8.00
 

2. Garima Swasthya Surakshit Nikchhep Yojana (2 Year Fixed Deposit) (Conditions are applicable.)

S.N. Deposit Amounts
(Rs.)
Quarterly Interest At Maturity Interest Daily Medical & Treatment Facility
 (Rs.)
Accidental Insurance Surgical Facility Minor Surgical Facility Medium Surgical Facility Major
1 1,00,000 9 9.50 600 1,00,000 7,000 14,000 21,000
2 2,00,000 9 9.50 1200 2,00,000 7,000 14,000 21,000
3 3,00,000 9 9.50 1800 3,00,000 7,000 14,000 21,000
4 4,00,000 and Above 9 9.50 3000 4,00,000 7,000 14,000 21,000

3. Fixed Deposits

S.N. Account Name
Minimum Amount
Interest Payment on Quarterly
Interest Payment At Maturity
1 FD 3 Months 10,000   9.50
2 FD 6 Months 10,000   9.75
3 FD 9 Months 10,000   10.00
4 FD 1 Year 10,000 10.25 10.75
5 FD 2-5 Years 10,0009 9.50 10.50
6 FD Above 5 Years 10,000 As per agreement  
7 Special Fixed Deposit  (One Year) 20,00,000 11 11.50
8 FD 200 Days 1,00,000   11.25
9 FD 300 Days 1,00,000   11.00
10 Recuring Saving 100 10.25  
11 Sunaulo Bhabishya Nikchhep Yojana 500 10.25  

4. Loan And Advances

S.N. Name of Products Interest Rate (% P.A.)
1 Personal Overdraft Base Rate+Premium upto 5%
2 Business Overdraft Base Rate+Premium upto 5%
3 Agriculture Loan Base Rate+Premium upto 5%
4 Low Cost Housing Base Rate+Premium upto 5%
5 Education Loan Base Rate+Premium upto 5%
6 Small and Medium Enterprise (SME)  Base Rate+Premium upto 5%
7 BaideshikRojgar Base Rate+Premium upto 5%
8 Micro Finance (Group Guarantee) Base Rate+Premium upto 9%
9 Micro Finance  (Wholesale) As per agreement
10 Deprived Sector Loan (With Collateral) Base Rate+Premium upto 5%
11 Personal Term Loan Base Rate+Premium upto 5%
12 Housing Loan Base Rate+Premium upto 5%
13 Hirepurchase Loan Base Rate+Premium upto 5%
14 Auto Loan Base Rate+Premium upto 5%
15 Margin Lending Base Rate+Premium upto 5%
16 GarimaYuva Uddamshil (Conditions Apply) Base Rate+Premium upto 5%
17 Service Business Loan Base Rate+Premium upto 5%
18 Business Term Loan Base Rate+Premium upto 5%
19 Demand Loan Base Rate+Premium upto 5%
20 Working Capital Loan Base Rate+Premium upto 5%
21 Industrial Loan Base Rate+Premium upto 5%
22 Real Estate Loan Base Rate+Premium upto 5%
23 Loan Against FDR Coupon Rate + 2% or Base Rate whichever is higher
24 Loan Against Deposit Coupon Rate + 2% or Base Rate whichever is higher
25 Social Loan Base Rate+Premium upto 5%
26 Gold Loan Base Rate+Premium upto 5%
27 Consumption Loan Base Rate+Premium upto 5%
  Base Rate (Mansir 2074) 11.10%

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