Interest Rates

Effective from 1st Jestha , 2079

1. Current and Saving Deposit Products

S.N.Account NameMin. BalanceInterest Rate
1Current Account*5,0000
2Margin Account- GuaranteeN/A0
3Corporate Call5,000Up to 3.50%
4Financial Institution Call5,000Up to 3.50%
5Personal Saving 1007.00%
6Anibarya Saving-7.00%
7Bhabisya Surakchhit1007.00%
8Home Employee Saving-7.00%
9Garima Nari Saving1007.00%
10Janakalyan Bachant Khata1007.00%
11Mero Share Bachat Khata
500
9.00%
12Super Saving5,0007.00%
13Remittance Saving Account1007.00%
14Staff Saving-7.00%
15General Savings Account5007.00%
16Public Saving1007.00%
17Social Development Account1007.00%
18Garima Shuva Lava Saving Acount10,0007.20%
19Garima Dampati Saving Account10,0007.20%
20Garima Sajilo Savings Account**1007.00%
21Foreign Remittance Saving Account**
1000
10.00%
22Sahara Saving1007.00%
23Sworojgar Saving Account 
5007.00%
24Bal Bachat Khata
1007.00%
25Senior Citizen Saving A/C
1007.00%

2. Fixed Deposits

CategoryAccount NameTenureInterest PaymentRate 
IndividualFixed Deposit3 months and aboveMonthly/Quarterly/Maturity12.00%
Foreign Remittance FD Account**  3 months and aboveMonthly/Quarterly/Maturity13.00%
Sunaulo Bhabisya Baal Nikcchep-Quarterly12.00%
Recuring Fixed Deposit-Quarterly12.00%
Garima Swornim Nikcchep yojana Quarterly12.00%
InstitutionsFixed Deposit3 months and aboveMonthly/Quarterly/Maturity11.00%


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 99,99911.75%12.00%N/A1,00,000N/AN/AN/A
21,00,000 to 1,99,99911.75%
12.00%
6001,00,0007,00014,00021,000
32,00,000 to 2,99,99911.75%
12.00%
1,2002,00,0007,00014,00021,000
43,00,000 to 3,99,99911.75%
12.00%
1,8003,00,0007,00014,00021,000
54,00,000 and Above11.75%
12.00%
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 (Chaitra End 2078)10.89%
Consumer Personal loan (Fixed Rate per annum)Up to 5 years5-10 years10-15 yearsAbove 15 Years
Home Loan12.25% to14.00%12.50% to14.50%12.70 to 14.75%13.00 to 15.00%
Hire Purchase/ Auto Loan13.50% to 14.50%13.50% to 15.00% - -
Personal Term/ Mortgage/ Demand Loan12.25% to 14.50%12.50% to 14.75% 12.75 to 15.00%13.0 to 15.00%
Education Loan12.00% to 14.00%12.50% to 14.50%13.00 to 15.00% -
Baideshik Rojgar Karja12.00% to 14.00%12.50% to 14.50% - -
* 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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