Get in Touch
Call
२९ माघ, २०७७
11th Feb, 2021
Tue, March 19, 2024
वि.सं २०८० चैत्र ०६,मंगलबार

Interest Rates

Effective from 1st Chaitra,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 1.50%
4Financial Institution Call Account5,000Up to 1.50%
5Personal Saving Account1003.05%
6Anibarya Saving Account-3.05%
7Bhabisya Surakchhit Saving Account1003.05%
8Bal Bachat Saving Account
100
3.05%
9Senior Citizen Saving Account
100
3.05%
10Home Employee Saving Account-3.05%
11Garima Nari Saving Account1003.05%
12Janakalyan Bachat Khata-3.05%
13Mero Share Bachat Khata
500
5.05%
14Super Saving Account5,0003.05%
15Remittance Saving Account1003.05%
16Staff Saving Account-3.05%
17General Saving Account5003.05%
18Public Saving Account1003.05%
19Social Development Account1003.05%
20Garima Shuva Lava Saving Acount10,0003.25%
21Garima Dampati Saving Account10,0003.25%
22Garima Sajilo Savings Account**1003.05%
23Foreign Remittance Saving Account**
1000
6.05%
24Sahara Bachat Khata1003.05%
25Sworojgar Bachat Khata
5003.05%
26Foreign Employment IPO Account
1000
6.05%
27Garima PMS Account-5.05%
28Garima Five in One Bachat Khata1000

4.05%

2. Fixed Deposits

Category Account NameTenureInterest Payment FrequencyInterest Rate (% p.a.)
IndividualFixed DepositBelow 6 MonthsMonthly/Quarterly/Maturity7.00%
Fixed Deposit6 Months to Below 1 YearMonthly/Quarterly/Maturity7.45%
Fixed Deposit1 Year & Below 2 YearsMonthly/Quarterly/Maturity7.75%
Fiexed Deposit2 years & AboveMonthly/Quarterly/Maturity8.05%
Sunaulo Bhabisya Baal Nikcchep Yojana-Quarterly7.75%
Recurring Deposit-Quarterly7.75%
Garima Swornim Nikcchep Yojana-Quarterly7.75%
Garima Surakshit Nikchhep Yojana**-Quarterly7.50%
Garima Surakshit Nikchhep Yojana**-Maturity7.75%
InstitutionsFixed DepositBelow 1 YearMonthly/Quarterly/Maturity5.80%
Fixed Deposit1 Year & Below 2 YearsMonthly/Quarterly/Maturity6.10%
Fixed Deposit2 Years & AboveMonthly/Quarterly/Maturity6.40%
* Minimum Balance of Rs.500 only to customers doing transactions through electronic medium.
** Conditions applied

3. FCY Deposit

S.N.Account NameRate
1Savings AccountsUp to 2%p.a
2Fixed Deposit AccountsUp to 3%p.a

4. Loan And Advances

S.N.Name of ProductPremium 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 ProductInterest 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

ParticularsUpto 7 years7-10 years10-15 yearsAbove 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

  1. For Remittance Fixed Deposit,1% additional rate shall be provided.
  2. Interest Rate on Credit Card shall be as per Standard Tariff Charges.
Apply Now
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
Open Fixed Deposite
Product Comparison