Interest Rates

Interest Rates Effective from 2079/03/01 - 15/06/2022

Fixed Deposits
 
 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 
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

 
  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.