Interest RatesBase Rate for the Mangshir 2077: 7.74% LCY Interest Rate Spread for Mangshir 2077: 4.00% Rate of Interest(With effect from 14th January, 2021) Deposits (NPR) % per annumGeneral SavingsSavings2.00%Premium SavingsSamman Bachat3.00%Shakti Bachat3.00%Sunaulo Bachat3.00%Dhana Laxmi Bachat3.00%Super Woman Savings3.00%Shubha Laxmi Savings3.00%Orange Savings3.00%Orange Savings Plus4.00%Shubhashree Laxmi Bachat4.00% Interest on all savings accounts will be accrued daily and paid on a quarterly basis. Deposits (USD) % per annumUSD Savings2.00% Deposits % per annumCall DepositsNegotiable, up to 1% p.a. (or as agreed under a separate fixed period contract) Term DepositsInstitutionsInstitutions(Renewal)Personal3 months - below 12 months6%6%6%12 months - above7%7%7%Recurring Depositup to 7.00%* 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 Ashwin 2077: 8.09% 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 5Loans and Advances(NPR) - Fixed Rates %p.a. Tenure(years)Home Loans(%)Home Equity/Education Loans(%)Auto Loans(%)Personal Loans(%)Up to 1 years8.49 - 9.498.49 - 9.498.49 - 9.499.99 - 10.99Above 1 - 2 years--8.99 - 9.9910.99 - 11.99Above 2 - 3 years8.99 - 9.999.49 - 10.499.99 - 10.9912.49 - 13.49Above 3 - 5 years9.99 - 10.9910.99 - 11.9910.99 - 11.9913.49 - 14.49Above 5 - 10 years11.99 - 12.9912.49 - 13.4912.99 - 13.99-Above 10 - 15 years12.99 - 13.9913.49 - 14.49--Note*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 1% per annum. Please contact any of our branches for details.*Base Rate for Ashwin, 2077 is 8.09%. LCY spread for Ashwin, 2077 is 4.38%.