Interest Rate

Interest Rate Effective from Chaitra 01, 2077 (March 14 , 2021)

 

DEPOSIT PRODUCT

Deposit Products

Interest Rate (% p.a.)

Normal Saving

4%

Check – In Saving

4%

Premium Saving

5.50%

Nari Bachat

4%

Bal Surakshya Bachat

4%

Senior Citizen Saving

4%

Shareholder’s Saving

4%

Welcome Account

4%

Locker Deposit

4%

Provident Fund Other

4%

Sadharan Bachat

4%

Bal Bhawishya Yojana

4%

Sahayatra Bachat Khata
(Monthly Interest Posting)

5.50%

Lumbini Talab Khata

4%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 2%

Recurring Deposit

4%

Akshyaya Kosh

Negotiable

 

Fixed Deposit

(Interest Posting Frequency- Quarterly)

3 Months to Below 6 Months

 

 

 

Individual

6 %

6 Months to Below 1 Year

7.5%

1 Year to below 2 Years

New

8.25%

Re-New

9%

2 Years & Above

9%

Lumbini Sahayatra Muddhati Khata
(1 Year Only)

8.25%

6 Months to Below 1 Year

 

Institutional

6.50%

1 Year and Above

New

6.75%

Re- New

8%

 

 

CREDIT PRODUCT
Floating Rate

Credit Products

Tenure

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

Agro Plus Loan (TL/OD)

 

Base Rate + Up to 7.25%

 

Auto Loan

Up to 3 Years

Base Rate + Up to 4.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 7.25%

Above 5 Years

Base Rate + Up to 7.75%

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Up to 7.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 7.5%

Above 5 Years

Base Rate + Up to 7.75%

Business Plus Loan (OD/DL/TL)

 

Base Rate + Up to 7.5%

Comfort Loan

 

Base Rate + Up to 6.25%

Education Loan

 

Base Rate + Up to 6.25%

Foreign Employment Loan

 

Base Rate + Up to 3.5%

Personal Loan (OD/TL)

 

Base Rate + Up to 7.75%

Real Estate Loan (OD/DL/TL)

 

Base Rate + Up to 7.25%

 

Home Loan

Up to 5 Years

Base Rate + Up to 7.25%

Above 5 Years & Up to 10 Years

Base Rate + Up to 7.5%

Above 10 Years & Up to 15 Years

Base Rate + Up to 7.75%

Above 15 Years

Base Rate + Up to 7.25%

Margin Lending Loan

 

Base Rate + Up to 7.25%

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Up to 6.5%

Two Wheeler Loan

 

Base Rate + Up to 6.25%

Personal Loan (OD/TL)

 

Base Rate + Up to 7.75%

Deprived Sector Loan (OD/TL)

 

Base Rate + Up to 6.25%

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

 

As per Management Decision

Loan against FDR/NSB/DB

 

+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

12.50%

13.50%

Personal Loan (TL)

13.00%

14.00%

Comfort Loan

13.00%

14.00%

Education Loan

12.50%

13.50%

Two Wheeler

13.50%

14.00%

Auto Loan

12.50%

13.50%

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