Interest Rates

Interest Rates Effective from 2077/10/01

Fixed Deposits
 
 Particulars  Individual    Institutional  
   Interest Rate  Interest Payment Mode  Interest Rate  Interest Payment Mode      
 3 Months   8.25%  Monthly/Qtr/Maturity   6.50%   Quarterly/Maturity
 6 Months - 1 Year    8.50%   Monthly/Qtr/Maturity   7.00%   Quarterly/Maturity
 1 Year  Above    8.75%   Quarterly/Maturity   7.50%   Quarterly/Maturity



Savings Deposits
  Saving Deposits   Minimum Balance Rs.   Interest Rate
  Special Savings   5,000/-   6.50 %
  Bal Bachat   100/-   6.00 %
  Nari Bachat   250/-   6.50 %
  Jestha Nagarik   250/-   6.50 %
  Gurkha Pension Savings   500/-   6.50 %
  Shareholders Savings   200/-   6.50 %
  Payroll Savings   200/-   5.00 %
  Regular Savings   200/-   5.00 %
  Remittance Savings   200/-   5.00 %
  Couple Savings   250/-   5.00 %
  Welfare   0.00/-   6.00 %
  Student Savings   200/-   5.00 %

Loans and Advances

 
  Loans and Advances   Interest Rate %
  Home Loan   BR + Upto 5 %
  Term Loan   BR + Upto 5 %
  Share Loan   BR + Upto 5 %
  Gold Loan   BR + Upto 5 %
  Business/Working Capital Loan   BR + Upto 5 %
  Agriculture/SME/Education Loan   BR + Upto 5 %
  Hire Purchase / Personal Loan   BR + Upto 5 %
  Real Estate Loan   BR + Upto 5 %​
  Professional Loan   BR + Upto 5 %​
  Loan Against FD   Plus 2 %
  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 Mangsir, 2077    9.73%
  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    14.5 %    15 %    15.5 %
 Auto Loan/HP Loan    14.5 %    15 %    -
Other Retail Loan    14.5 %    15 %    15.5 %