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RATE OF INTEREST
(Effective From 26th January 2010)
Note: All Savings Accounts will receive interest quarterly on deposits above the stipulated
thresholdbalances, calculated on a Daily Basis.
| DEPOSITS (NPR) |
% per annum |
| Savings |
3 |
| Laxmi Savingd |
3.5 |
| Orange Savings |
4.5 |
| Junior Savings |
3.5 to 4.5 |
| Super Women Savings |
6.5 |
| Milijuli Bachat |
5 to 7 |
| Green Savings |
7.5 |
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| Fixed / Time Deposits / Investments |
| 1 month |
6.5 to 7 |
| 3 months |
7.5 to 8 |
| 6 months |
9.5 to 10 |
| 1 Year |
10.5 to 11 |
| 2 Years |
11 to 11.5 |
| My Money Market Account |
Upto 7 (On Daily Balance)* |
| Structured Large Value Deposits |
Upto 11.5 |
| Fixed / Time Deposits (for individuals only) |
| Cash Flow FDs |
10 to 12* |
| Super Woman Gold Deposit |
9.5 + Gold Coin or 11 |
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| DEPOSITS (USD) |
| USD Tier Based Savings |
1.25 to 2.0 (On Daily Balance) |
| USD Normal Savings |
1.25 (On Daily Balance) |
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| LOANS & ADVANCES (NPR) |
| Overdraft / Cash Credit |
| Corporate / Multinational |
11 to 15 |
| SMEs / Others |
12 to 16 |
| Importer's Loans |
| Corporate / Multinational |
10 to 13 |
| SMEs / Others |
11 to 14 |
| Working Capital / Demand / Short Term Loans |
| Corporate / Multinational |
11 to 15 |
| SMEs / Others |
12 to 16 |
| Term Loans |
11 to 15 |
| Supply Finance |
13 to 16 |
| Auto Loans |
11 to 14 |
| Home Loans |
12 to 16 |
| Home Equity Loans |
13 to 17 |
| Home Equity Revolving Line of Credit |
14 to 17 |
| Personal (Medical / Education / Holiday / Consumer Durables, Social etc) Loans |
15 to 18 |
| Micro Finance – Wholesale |
8 to 11 |
| Structured Micro Finance |
10 to 13 |
| Micro Finance - Others |
14 to 18 |
| Export Loans |
11 to 14 |
| Loans Against Fixed Deposits |
Min 2% above the FD rate |
| Loans Against Government Bonds |
10 to 14 |
| Loans Against First Class Bank Guarantee |
10 to 13 |
| Loans Against Marketable Securities |
13 to 17 |
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* Conditions Apply |
Note: All Savings Accounts will receive interest quarterly on deposits above the stipulated threshold balances, calculated on a Daily Basis.
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| Savings Products |
Currency |
Min Balance |
Int Rate Per Annum |
Threshold Balance |
| Normal Savings (Outside Valley) |
NPR |
1,000 |
3.00% |
5,000 |
| Normal Savings (Inside Valley) |
NPR |
5,000 |
3.00% |
5,000 |
| Student Savings |
NPR |
Nil |
3.00% |
5,000 |
| Investor Savings |
NPR |
Nil |
3.50% |
5,000 |
| Laxmi Savings |
NPR |
50,000 |
3.50% |
50,000 |
| Corporate Staff Savings |
NPR |
Nil |
3.50% |
Nil |
| Personal Reserve Account |
NPR |
Nil |
3.50% |
5,000 |
| Orange Savings |
NPR |
500,000 |
4.50% |
500,000 |
| Gurkha Savings |
NPR |
Nil |
3.5% - 4.5% |
5,000 |
| Junior Savings |
NPR |
2,000 |
3.5% - 4.5% |
5,000 |
| Manakamana Savings |
NPR |
500 |
3.5% - 4.5% |
5,000 |
| Super Woman Savings |
NPR |
500 |
6.50% |
5,000 |
| Milijuli Bachat |
NPR |
Nil |
5.0% - 7.0% |
5,000 |
| Green Savings |
NPR |
Nil |
7.50% |
5,000 |
| Normal Savings |
USD |
100 |
1.25% |
100 |
| Gurkha Savings |
USD |
Nil |
1.25% |
Nil |
| Student Savings |
USD |
Nil |
1.25% |
Nil |
| Teir Based Savings |
USD |
100 |
1.25% - 2.0% |
100 |
| Normal Savings |
EURO |
100 |
1.00% |
100 |
| Normal Savings |
GBP |
100 |
1.00% |
100 |
| Gurkha Savings |
GBP |
Nil |
1.00% |
Nil |
| Student Savings |
GBP |
Nil |
1.00% |
Nil |
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