Base 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 annum
General Savings
Savings7.133%
Premium Savings
Samman Bachat7.133%
Sunaulo Bachat7.133%
Dhana Laxmi Bachat7.133%
Super Woman Savings7.133%
Orange Savings7.133%
Payroll Savings
Shubha Laxmi Savings7.633%
Shakti Bachat7.633%
Orange Savings Plus8.133%
Shubhashree Laxmi Bachat8.133%
Green Savings9.133%
Remittance Savings
Shree Laxmi Savings10.133%
Interest on all savings accounts will be accrued daily and paid on a quarterly basis.
Deposits % per annum
Call DepositsNegotiable, up to 3.566% p.a. (or as agreed under a separate fixed period contract)
Term DepositsInstitutionsPersonalPersonal-Remittance
3 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 annumSavingsTerm
USD Deposits5.75%7.25%
EUR Deposits3%5%
GBP Deposits4.75%6.25%
AUD Deposits5.10%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

Base Rate for the Quarter ending Ashwin 2079: 10.33%
Overdraft/Cash Credit % per annum
CorporateBase Rate + up to 6
SMEs/OthersBase Rate + up to 6
Working Capital/
Short Term Loans
% per annum
CorporateBase Rate + up to 5
SMEs/OthersBase Rate + up to 5
Supply FinanceBase Rate + up to 5
Export LoansBase Rate + up to 5
Term Loans - CorporateBase Rate + up to 5
Term Loans - SMEBase Rate + up to 5
Importer's Loans % per annum
TradingBase Rate + up to 6
OthersBase Rate + up to 5
Other Loans % per annum
Supply FinanceBase Rate + up to 5
Export LoansBase Rate + up to 5
Term LoansBase Rate + up to 5
Auto LoansBase Rate + up to 6
Education LoansBase Rate + up to 5
Home LoansBase Rate + up to 5
Home Equity LoansBase Rate + up to 5
Home Equity Revolving Line of CreditBase Rate + up to 6
Personal LoansBase Rate + up to 6
Sana Byawasai KarjaBase Rate + up to 5
Loans Against Gold Base Rate + up to 5
Loans Against Fixed DepositsHigher of FD + 1 or Base Rate + up to 5
Loans Against First Class Bank GuaranteeBase Rate + up to 5
Loans Against Marketable Securities incl. Govt. BondsBase Rate + up to 6
Microfinance LoansBase Rate + up to 5

Loans 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 year13.99-15.9913.99-15.9913.99-15.9913.99-15.9913.99-15.99

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 Kartik 2079 is 10.86%. LCY spread for Kartik 2079: 4.31%.