Interest RatesBase Rate for the Shrawan 2077: 8.58% LCY Interest Rate Spread for Shrawan 2077: 4.39% Rate of Interest(With effect from 9th September, 2020) Deposits (NPR) % per annumGeneral SavingsSavings3.00%Premium SavingsSamman Bachat4.50%Shakti Bachat4.50%Sunaulo Bachat4.50%Dhana Laxmi Bachat4.50%Super Woman Savings4.50%Shubha Laxmi Savings4.50%Orange Savings4.50%Orange Savings Plus5.00%Shubhashree Laxmi Bachat5.00% 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 1.5% p.a. (or as agreed under a separate fixed period contract) Term Deposits Below 1 year 1 year and aboveInstitutions6.50%7%Institutions - Renewal6.60%7.10%Individual7.25%7.75%Recurring Depositup to 7.75% NRN Term Deposit (FCY) % per annumUS Dollar (USD)4.00 %Pound Sterling (GBP)3.00 %Euro (EUR)1.00 %Australian Dollar (AUD)3.00% Term Available : 2 or 3 years Minimum Amount USD 10,000 (or equivalent) and higherLoans and AdvancesBase Rate for the Quarter ending Ashadh 2077: 9.23% Overdraft/Cash Credit % per annumCorporateBase Rate + up to 5SMEs/OthersBase Rate + up to 5 Working Capital/ Short Term Loans % per annumCorporateBase Rate + up to 5SMEs/OthersBase Rate + up to 5Supply FinanaceBase 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 annumCorporateBase Rate + up to 5SMEs/OthersBase Rate + up to 5 Other Loans % per annumAuto LoansBase Rate + up to 5Education LoansBase Rate + up to 5Home LoansBase Rate + up to 5Home Equity LoansBase Rate + up to 5Home Equity Revolving Line of CreditBase Rate + up to 5Personal LoansBase Rate + up to 5Sana 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 SecuritiesBase Rate + up to 5Microfinance LoansBase Rate + up to 5Note*Interest on Savings and Call accounts will be paid quarterly, calculated in a daily basis.*Interest on Term Deposits will be paid on maturity or on a quarterly basis.*Rates for Call accounts are negotiable and subject to change based on market conditions – not exceeding 2% per annum. Please contact any of our branches for details.