Interest RatesBase Rate for Ashad 2079: 9.99%LCY Interest Rate Spread Ashad 2079: 3.94%Rate of Interest(With effect from 17th July, 2022) Deposits (NPR) % per annumGeneral SavingsSavings6.03%Premium SavingsSamman Bachat6.03%Sunaulo Bachat6.03%Dhana Laxmi Bachat6.03%Super Woman Savings6.03%Orange Savings6.03%Payroll SavingsShubha Laxmi Savings6.53%Shakti Bachat6.53%Orange Savings Plus7.03%Shubhashree Laxmi Bachat7.03%Green Savings8.03%Remittance SavingsShree Laxmi Savings9.03% Interest on all savings accounts will be accrued daily and paid on a quarterly basis. Deposits (USD) % per annumUSD Savings3.00% Deposits % per annumCall DepositsNegotiable, up to 3.015% p.a. (or as agreed under a separate fixed period contract) Term DepositsInstitutionsPersonal3 months - below 6 months10.03%11.03%6 months and above10.03%11.03%Renewals (Bids) 10.13%-Recurring Deposits -11.03% NRN Deposit (FCY) % per annumNRN Term Deposit*US Dollar (USD)5.00 %Pound Sterling (GBP)3.00 %Euro (EUR)1.00 %Australian Dollar (AUD)3.00% NRN Savings NRN Savings (USD) 4.00% Minimum Amount USD 5,000 (or equivalent) and higher *Term available: 1 - 3 yearsLoans and AdvancesBase Rate for the Quarter ending Ashad 2079: 9.85% 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 annumAuto 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 1 year10.99-11.9910.99-11.9910.99-11.9911.99-12.9910.99-11.99Above 1 - 2 years--11.99-12.9912.99-13.4911.99-12.49Above 2 - 3 years11.99-12.9911.99-12.9912.99-13.4913.49-13.9912.49-12.99Above 3 - 5 years12.99-13.4912.99-13.4913.49-13.9913.99-14.9912.99-13.49Above 5 - 10 years13.49-13.9913.49-13.9913.99-14.99-13.49-13.99Above 10 - 15 years13.99-14.9913.99-14.99--13.99-14.99Note*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.*Additional 1% interest rate will be applicable for Term Deposits opened from Shree Laxmi Saving Account*Fund Transfers while opening NRN Term Deposits or withdrawing from them must be done through a banking channel.*Base Rate for Ashad 2079 is 9.99%. LCY spread for Ashad 2079: 3.94%.