Interest RatesBase 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 annumGeneral SavingsSavings2.50%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 Plus4.50%Shubhashree Laxmi Bachat4.50% 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 DepositsInstitutionsPersonal3 months - below 6 months6.5%7%6 months and above7%7%Recurring Deposits -7.5%Structured Deposits 7.5% - 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 Chaitra 2077: 6.79% 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.Home Loans(%)Home Equity(%)Auto Loans(%)Personal Loans(%)Sana Byawasayi Karja(%)InstallmentOverdraft7.99 for 1 year7.99 for 1 year8.99 for 1 year7.99 for 1 year9.99 for 1 year7.99 for 1 year8.99 for 3 years9.49 for 3 years8.99 for 2 years9.99 for 5 yearsBR + 1.50 onwardsBR + 1.50 onwardsBR + 2.00 onwardsBR + 2.00 onwardsBR + 3.00 onwardsBR + 1.50 onwardsNote*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%.