Particulars | Individual | Institutional | ||
Interest Rate | Interest Payment Mode | Interest Rate | Interest Payment Mode | |
3 Months | 12.00% | Monthly/Qtr/Maturity | 11.00% | Monthly/Quarterly/Maturity |
6 Months | 12.05% | Monthly/Qtr/Maturity | 11.05% | Monthly/Quarterly/Maturity |
9 Months | 12.10% | Monthly/Qtr/Maturity | 11.10% | Monthly/Quarterly/Maturity |
1 Year to below 2 years | 12.15% | Monthly/Qtr/Maturity | 11.15% | Monthly/Quarterly/Maturity |
2 Years and above | 12.25% | Monthly/Qtr/Maturity | 11.25% | Monthly/Quarterly/Maturity |
Saving Deposits | Minimum Balance Rs. | Interest Rate |
Bal Bachat | 100.00 | 7.25% |
Nari Bachat | 250.00 | 7.50% |
Jestha Nagarik | 250.00 | 7.50% |
Gurkhas Pension Savings | 500.00 | 7.50% |
Shareholders Savings | 200.00 | 7.50% |
Payroll Savings | 200.00 | 7.25% |
Regular Saving | 200.00 | 7.25% |
Remittance Saving | 200.00 | 8.50% |
Couple Saving | 200.00 | 7.25% |
Welfare Saving | 0.00 | 7.25% |
Student Savings | 200.00 | 7.25% |
Staff Saving | 200.00 | 7.50% |
Non-Profitable Org. Saving | 1,000.00 | 7.25% |
Special Savings | 5,000.00 | 9.00% |
Corporate Flexible Saving | 1,000.00 | Up to 3.62% |
Loans and Advances | Interest Rate % |
Home Loan | BR + Upto 6% |
Personal Loan(OD/Term) | BR + Upto 6% |
Share Loan | BR + Upto 6% |
Gold Loan | BR + Upto 6% |
Business/Working Capital Loan | BR + Upto 6% |
Agriculture/SME/Education Loan | BR + Upto 6% |
Small Farm Individual Loan | BR + Upto 6% |
Hire Purchase | BR + Upto 6% |
Real Estate Loan | BR + Upto 6% |
Professional Loan/Bridge Gap Loan | BR + Upto 6% |
Loan Against FD | Coupan rate + 2 % |
Consortium Loan | As per Consortium Decision |
Deprive Sector Lending | |
Indirect Lending (Wholesale or Institutional) | BR + Upto 2.5 % or As per agreement |
Direct lending (All Types) | BR + Upto 2.5 % |
Yuba Tatha Sana Byabasi Swarogarkosh | As per NRB Norms |
Home Loan for Earthquake Victim | As per NRB Norms |
Other all types of Sahuliyatpurna Karja | As per NRB Norms |
Base Rate of Baisakh end, 2079 | 11.48% |
Third Quarter Average Base Rate | 11.45% |
Spread Rate (2079 Baisakh) | 4.90% |
Penal Interest on past due loans and expired loans | +2 applicable rate (Base rate + Applied premium) |
Fixed Interest Rate Loan (for Individual) | Up to 5 Years | 5 to 10 Years |
Above 10 Years |
Home Loan | 15.00% | 15.50% | 16.00% |
Auto Loan/HP Loan | 15.00% | 15.50% | - |
Other Retail Loan | 15.00% | 15.50% | 16.00% |
Notes: 1. Additional 1% interest will be provided on Foreign Remit 2. Additional 0.1% interest will be provided in case of renewal of institutional FD. |