Interest Rates
Base Rate for Baisakh 2080: 10.99%
LCY Interest Rate Baisakh 2080: 4.18%
Rate of Interest
(With effect from 15th May, 2023)
Deposit | % per annum |
---|---|
General Savings | |
Savings | 6% |
Premium Savings | |
Samman Bachat | 6% |
Sunaulo Bachat | 6% |
Dhana Laxmi Bachat | 6% |
Super Woman Savings | 6% |
Orange Savings | 6% |
Payroll Savings | |
Shubha Laxmi Savings | 6.5% |
shakti Bachat | 6.5% |
Orange Savings Plus | 7% |
Shubhashree Laxmi Bachat | 7% |
Green Savings | 7.4% |
Remittance Savings | |
Shree Laxmi Savings | 8.4% |
Deposits | % per annum |
---|---|
Call Deposits | Negotiable, up to 2.7% p.a. (or as agreed under a separate fixed period contract) |
Term Deposits | Institutions | Personal | Personal-Remittance |
---|---|---|---|
3 months - 6 months | - | 9.99% | 10.99% |
6 months - 5 years | 7.99% | 9.99% | 10.99% |
Bids (6 months - 5 years) | 8.49% | - | - |
Recurring Deposits | - | 9.99% | - |
FCY Deposits - per annum | Savings | Term |
---|---|---|
USD Deposits | 5.75% | 7.25% |
EUR Deposits | 3% | 5% |
GBP Deposits | 4.75% | 6.25% |
AUD Deposits | 5.10% | 6.60% |
NRN Deposit (FCY) | % per annum |
---|---|
NRN 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 years
Loans and Advances
Applicable Base Rate for Baishak 2080 (3 months Average) : 11.10%
Cash Credit | % per annum |
---|---|
Corporate | Base Rate + up to 5 |
SMEs/Others | Base Rate + up to 5 |
Working Capital/ Short Term Loans | % per annum |
---|---|
Corporate | Base Rate + up to 5 |
SMEs/Others | Base Rate + up to 5 |
Supply Finance | Base Rate + up to 5 |
Export Loans | Base Rate + up to 4 |
Term Loans - Corporate | Base Rate + up to 5 |
Term Loans - SME | Base Rate + up to 5 |
Importer's Loans | % per annum |
---|---|
Trading | Base Rate + up to 5 |
Others | Base Rate + up to 5 |
Others Loans | % per annum |
---|---|
Supply Finance | Base Rate + up to 5 |
Export Loans | Base Rate + up to 5 |
Term Loans | Base Rate + up to 5 |
Auto Loans | Base Rate + up to 5 |
Education loans | Base Rate + up to 4 |
Home Loans | Base Rate + up to 4 |
Home Equity Loans | Base Rate + up to 5 |
Home Equity Revolving Line of Credit | Base Rate + up to 5 |
Personal Loans | Base Rate + up to 5 |
Sana Byawasai Karja | Base Rate + up to 4 |
Loans Against Gold | Base Rate + up to 4 |
Loans Against Fixed Deposits | Higher of FD + 1 or Base Rate + up to 4 |
Loans Against First Class Bank Guarantee | Base Rate + up to 4 |
Loans Against Marketable Securities incl. Govt. Bonds | Base Rate + up to 5 |
Microfinance Loans | Base Rate + up to 4 |
Loans & Advances (NPR) - Fixed Rates %p.a.
Tenure (Years) | Home Loan(%) | Home Equity / Education Loan(%) | Auto Loans(%) | Lifestyle / Personal Loans(%) | Term Loans |
---|---|---|---|---|---|
Up to 15 year | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 | 12.99 – 14.99 |
Note
*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 Baisakh 2080: 10.99%.
LCY Interest Rate spread for Baisakh 2080: 4.18%.