Interest Rate

Interest Rate Effective from 1st Ashwin 2080 (September 18 , 2023)

 

DEPOSIT PRODUCT

 

Deposit Products

Interest Rate (% p.a.)

Normal Saving

6.00%

Check – In Saving

6.00%

Premium Saving

6.00%

Nari Bachat

6.00%

Bal Surakshya Bachat

6.00%

Senior Citizen Saving

6.00%

Shareholder’s Saving

6.00%

Welcome Account

6.00%

Locker Deposit

6.00%

Provident Fund Other

6.00%

Sadharan Bachat

6.00%

Bal Bhawishya Yojana

6.00%

Sahayatra Bachat Khata
(Interest Posting Frequency - Monthly/Quarterly)

8.00%

Lumbini Talab Khata

6.00%

Samajik Surkshya Bachat

6.00%

Remittance Bachat Khata

9.00%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 3%

Recurring Deposit

6.00%

Akshyaya Kosh

Negotiable

 

 

Fixed Deposit

(Interest Posting Frequency

- Monthly/Quarterly/at Maturity)

3 Months &  Below 1 Year 

 

 

 

Individual

 10.90%

1 Year & Above

 11.00%

Lumbini Sahayatra Muddhati Khata (1 Year only)

11.00%

Remittance Fixed Deposit

12.00%

6 Months & Below 1 Year

 

 

 

Institutional

 

8.90%
1 Year & Above 9.00%

 

 

CREDIT PRODUCT
Floating Interest Rate

Credit Products

Tenure

Interest Rate (Base Rate + Premium) (% p.a.)

Agro Plus Loan (TL/OD/DL)

 

Base Rate + Premium (2% to 4.5%)

 

Auto Loan

Up to 3 Years

Base Rate + Premium (2% to 4.5%)

Above 3 Years & upto 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years

Base Rate + Premium (2% to 4.5%)

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Premium (2% to 4.5%)

Above 3 Years & up to 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years

Base Rate + Premium (2% to 4.5%)

Business Plus Loan (OD/DL/TL)

 

Base Rate + Premium (2% to 4.5%)

Comfort Loan

 

Base Rate + Premium (2% to 4.5%)

Education Loan

 

Base Rate + Premium (2% to 4.5%)

Foreign Employment Loan

 

Base Rate + Premium (2% to 4.5%)

Personal Loan (OD/TL)

  Base Rate + Premium (2% to 4.5%)

Real Estate Loan (OD/DL/TL)

 

Base Rate + Premium (2% to 4.5%)

 

Home Loan

Up to 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years & Up to 10 Years

Base Rate + Premium (2% to 4.5%)

Above 10 Years & Up to 15 Years

Base Rate + Premium (2% to 4.5%)

Above 15 Years

Base Rate + Premium (2% to 4.5%)

Margin Lending Loan

 

Base Rate + Premium (2% to 4.5%)

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Premium (2% to 4.5%)

Two Wheeler Loan

 

Base Rate + Premium (2% to 4.5%)

Deprived Sector Loan (OD/TL)

 

Base Rate + Premium (2% to 4.5%)

Deprived Sector (wholesale) (OD/DL/TL)

 

As per Management Decision

Loan against FDR/NSB/DB

 

Up to 2% on Coupon Rate

Consortium Loan (OD/BGL/TL)

 

As per consortium decision

CREDIT PRODUCT
Fixed Rate

Credit Products

Upto 5 Years

Above 5 Years

Home Loan

15.00%

15.50%

Personal Loan (TL)

15.00%

15.50%

Comfort Loan

15.00%

15.50%

Education Loan

15.00%

15.50%

Two Wheeler

15.00%

15.50%

Auto Loan

15.00%

15.50%

* BR= Base rate (For the updated Base Rate, Click Here)