Base 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 annum
General Savings
Savings2.00%
Premium Savings
Samman 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 annum
USD Savings2.00%
Deposits % per annum
Call DepositsNegotiable, up to 1% p.a. (or as agreed under a separate fixed period contract)
Term DepositsInstitutionsInstitutions(Renewal)Personal
3 months - below 12 months6%6%6%
12 months - above7%7%7%
Recurring Depositup to 7.00%*
NRN Term Deposit (FCY) % per annum
US 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 higher

Loans and Advances

Base Rate for the Quarter ending Ashwin 2077: 8.09%
Overdraft/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 FinanaceBase 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
CorporateBase Rate + up to 5
SMEs/OthersBase Rate + up to 5
Other Loans % per annum
Auto LoansBase Rate + up to 5
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 5
Personal LoansBase Rate + up to 5
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 SecuritiesBase Rate + up to 5
Microfinance LoansBase Rate + up to 5

Loans 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 - 10.99
Above 1 - 2 years--8.99 - 9.9910.99 - 11.99
Above 2 - 3 years8.99 - 9.999.49 - 10.499.99 - 10.9912.49 - 13.49
Above 3 - 5 years9.99 - 10.9910.99 - 11.9910.99 - 11.9913.49 - 14.49
Above 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%.