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
Savings6%
Premium Savings
Samman Bachat6%
Sunaulo Bachat6%
Dhana Laxmi Bachat6%
Super Woman Savings6%
Orange Savings6%
Payroll Savings
Shubha Laxmi Savings6.5%
shakti Bachat6.5%
Orange Savings Plus7%
Shubhashree Laxmi Bachat7%
Green Savings7.4%
Remittance Savings
Shree Laxmi Savings8.4%
Interest on all savings accounts will be accrued daily and paid on a quarterly basis.
Deposits% per annum
Call DepositsNegotiable, up to 2.7% p.a. (or as agreed under a separate fixed period contract)
Term DepositsInstitutionsPersonalPersonal-Remittance
3 months - 6 months-9.99%10.99%
6 months - 5 years7.99%9.99%10.99%
Bids (6 months - 5 years)8.49%--
Recurring Deposits-9.99%-
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

Applicable Base Rate for Baishak 2080 (3 months Average) : 11.10%

Cash Credit% per annum
CorporateBase Rate + up to 5
SMEs/OthersBase Rate + up to 5
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 4
Term Loans - CorporateBase Rate + up to 5
Term Loans - SMEBase Rate + up to 5
Importer's Loans% per annum
TradingBase Rate + up to 5
OthersBase Rate + up to 5
Others 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 5
Education loansBase Rate + up to 4
Home LoansBase Rate + up to 4
Home Equity LoansBase Rate + up to 5
Home Equity Revolving Line of CreditBase Rate + up to 5
Personal LoansBase Rate + up to 5
Sana Byawasai KarjaBase Rate + up to 4
Loans Against GoldBase Rate + up to 4
Loans Against Fixed DepositsHigher of FD + 1 or Base Rate + up to 4
Loans Against First Class Bank GuaranteeBase Rate + up to 4
Loans Against Marketable Securities incl. Govt. BondsBase Rate + up to 5
Microfinance LoansBase 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 year12.99 – 14.9912.99 – 14.9912.99 – 14.9912.99 – 14.9912.99 – 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%.