Effective from 1st Chaitra,2080
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 1.50% |
4 | Financial Institution Call Account | 5,000 | Up to 1.50% |
5 | Personal Saving Account | 100 | 3.05% |
6 | Anibarya Saving Account | - | 3.05% |
7 | Bhabisya Surakchhit Saving Account | 100 | 3.05% |
8 | Bal Bachat Saving Account | 100 | 3.05% |
9 | Senior Citizen Saving Account | 100 | 3.05% |
10 | Home Employee Saving Account | - | 3.05% |
11 | Garima Nari Saving Account | 100 | 3.05% |
12 | Janakalyan Bachat Khata | - | 3.05% |
13 | Mero Share Bachat Khata | 500 | 5.05% |
14 | Super Saving Account | 5,000 | 3.05% |
15 | Remittance Saving Account | 100 | 3.05% |
16 | Staff Saving Account | - | 3.05% |
17 | General Saving Account | 500 | 3.05% |
18 | Public Saving Account | 100 | 3.05% |
19 | Social Development Account | 100 | 3.05% |
20 | Garima Shuva Lava Saving Acount | 10,000 | 3.25% |
21 | Garima Dampati Saving Account | 10,000 | 3.25% |
22 | Garima Sajilo Savings Account** | 100 | 3.05% |
23 | Foreign Remittance Saving Account** | 1000 | 6.05% |
24 | Sahara Bachat Khata | 100 | 3.05% |
25 | Sworojgar Bachat Khata | 500 | 3.05% |
26 | Foreign Employment IPO Account | 1000 | 6.05% |
27 | Garima PMS Account | - | 5.05% |
28 | Garima Five in One Bachat Khata | 1000 | 4.05% |
2. Fixed Deposits
Category | Account Name | Tenure | Interest Payment Frequency | Interest Rate (% p.a.) |
Individual | Fixed Deposit | Below 6 Months | Monthly/Quarterly/Maturity | 7.00% |
Fixed Deposit | 6 Months to Below 1 Year | Monthly/Quarterly/Maturity | 7.45% | |
Fixed Deposit | 1 Year & Below 2 Years | Monthly/Quarterly/Maturity | 7.75% | |
Fiexed Deposit | 2 years & Above | Monthly/Quarterly/Maturity | 8.05% | |
Sunaulo Bhabisya Baal Nikcchep Yojana | - | Quarterly | 7.75% | |
Recurring Deposit | - | Quarterly | 7.75% | |
Garima Swornim Nikcchep Yojana | - | Quarterly | 7.75% | |
Garima Surakshit Nikchhep Yojana** | - | Quarterly | 7.50% | |
Garima Surakshit Nikchhep Yojana** | - | Maturity | 7.75% | |
Institutions | Fixed Deposit | Below 1 Year | Monthly/Quarterly/Maturity | 5.80% |
Fixed Deposit | 1 Year & Below 2 Years | Monthly/Quarterly/Maturity | 6.10% | |
Fixed Deposit | 2 Years & Above | Monthly/Quarterly/Maturity | 6.40% | |
* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium. ** Conditions applied |
3. FCY Deposit
S.N. | Account Name | Rate |
1 | Savings Accounts | Up to 2%p.a |
2 | Fixed Deposit Accounts | Up to 3%p.a |
4. Loan And Advances
S.N. | Name of Product | Premium over Base Rate (% per annum) |
---|---|---|
1 | Hire Purchase Loan | 2.00% to 4.000% |
2 | Auto Loan | 1.50% to 3.50% |
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 (Magh End, 2080) | 10.37% |
S.N. | Name of Product | Interest Rate (% Per Annum) |
---|---|---|
1 | Loan Against Fixed Deposit | Coupon Rate + Premium up to 2.00% |
2 | Consortium Loan | As per Consortium Agreement |
Fixed Rate per annum
Particulars | Upto 7 years | 7-10 years | 10-15 years | Above 15 Years |
---|---|---|---|---|
Home Loan/SME 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% | - | - |
Note
- For Remittance Fixed Deposit,1% additional rate shall be provided.
- Interest Rate on Credit Card shall be as per Standard Tariff Charges.
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 Open Fixed Deposite