Base Rate for Chaitra 2077: 6.79%
LCY Interest Rate Spread for Chaitra 2077: 3.59%

Rate of Interest

(With effect from 14th April, 2021)

Deposits (NPR) % per annum
General Savings
Savings2.50%
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 Plus4.50%
Shubhashree Laxmi Bachat4.50%
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 DepositsInstitutionsPersonal
3 months - below 6 months6.5%7%
6 months and above7%7%
Recurring Deposits -7.5%
Structured Deposits 7.5% -
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 Chaitra 2077: 6.79%
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.

Home Loans(%)Home Equity(%)Auto Loans(%)Personal Loans(%)Sana Byawasayi Karja(%)
InstallmentOverdraft
7.99 for 1 year7.99 for 1 year8.99 for 1 year7.99 for 1 year9.99 for 1 year7.99 for 1 year
8.99 for 3 years9.49 for 3 years8.99 for 2 years
9.99 for 5 years
BR + 1.50 onwardsBR + 1.50 onwardsBR + 2.00 onwardsBR + 2.00 onwardsBR + 3.00 onwardsBR + 1.50 onwards

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.
*For Auto Loans, enjoy a discount of 0.5% for the first year for Electric Vehicles and an interest rate of Base Rate + 1.00%.
*Base Rate for Chaitra, 2077 is 6.79%. LCY spread for Chaitra, 2077 is 3.59%.