Interest RatesBase Rate for Kartik 2079: 10.86%LCY Interest Rate Spread for Kartik 2079: 4.31%Rate of Interest(With effect from 17th November, 2022) Deposits (NPR) % per annumGeneral SavingsSavings7.133%Premium SavingsSamman Bachat7.133%Sunaulo Bachat7.133%Dhana Laxmi Bachat7.133%Super Woman Savings7.133%Orange Savings7.133%Payroll SavingsShubha Laxmi Savings7.633%Shakti Bachat7.633%Orange Savings Plus8.133%Shubhashree Laxmi Bachat8.133%Green Savings9.133%Remittance SavingsShree Laxmi Savings10.133% Interest on all savings accounts will be accrued daily and paid on a quarterly basis. Deposits % per annumCall DepositsNegotiable, up to 3.566% p.a. (or as agreed under a separate fixed period contract) Term DepositsInstitutionsPersonalPersonal-Remittance3 months - below 1 year10.133%12.133%13.133%1 year and above10.133%12.133%13.133%Renewals (Bids) 10.633%--Recurring Deposits -12.133%- FCY Deposits - % per annumSavingsTermUSD Deposits5.75%7.25%EUR Deposits3%5%GBP Deposits4.75%6.25%AUD Deposits5.10%6.60% NRN Deposit (FCY) % per annumNRN Term Deposit*US Dollar (USD)7.5 % NRN Savings NRN Savings (USD) 5.75% Minimum Amount USD 1,000 (or equivalent) and higher *Term available: 1 - 3 yearsLoans and AdvancesBase Rate for the Quarter ending Ashwin 2079: 10.33% Overdraft/Cash Credit % per annumCorporateBase Rate + up to 6SMEs/OthersBase Rate + up to 6 Working Capital/ Short Term Loans % per annumCorporateBase Rate + up to 5SMEs/OthersBase Rate + up to 5Supply FinanceBase Rate + up to 5Export LoansBase Rate + up to 5Term Loans - CorporateBase Rate + up to 5Term Loans - SMEBase Rate + up to 5 Importer's Loans % per annumTradingBase Rate + up to 6OthersBase Rate + up to 5 Other Loans % per annumSupply FinanceBase Rate + up to 5Export LoansBase Rate + up to 5Term LoansBase Rate + up to 5Auto LoansBase Rate + up to 6Education LoansBase Rate + up to 5Home LoansBase Rate + up to 5Home Equity LoansBase Rate + up to 5Home Equity Revolving Line of CreditBase Rate + up to 6Personal LoansBase Rate + up to 6Sana Byawasai KarjaBase Rate + up to 5Loans Against Gold Base Rate + up to 5Loans Against Fixed DepositsHigher of FD + 1 or Base Rate + up to 5Loans Against First Class Bank GuaranteeBase Rate + up to 5Loans Against Marketable Securities incl. Govt. BondsBase Rate + up to 6Microfinance LoansBase Rate + up to 5Loans and Advances(NPR) - Fixed Rates %p.a.Tenure(Years)Home Loans(%)Home Equity / Education Loans(%)Auto Loans(%)Lifestyle / Personal Loans(%)Term Loans(%)Up to 15 year13.99-15.9913.99-15.9913.99-15.9913.99-15.9913.99-15.99Note*Interest on Savings and Call accounts will be paid quarterly, calculated in a daily basis.*Rates on Call accounts are negotiable and subject to change based on market conditions. Please contact any of our branches for details*Fund Transfers while opening NRN Term Deposits or withdrawing from them must be done through a banking channel.*Base Rate for Kartik 2079 is 10.86%. LCY spread for Kartik 2079: 4.31%.