Interest Rate

Interest Rate Effective from Kartik 01, 2077 (October 17 , 2020)

 

DEPOSIT PRODUCT

Deposit Products

Interest Rate(% p.a.)

Normal Saving

3.75

Check – In Saving

3.75

Premium Saving

5.50

Nari Bachat

3.75

Bal Surakshya Bachat

3.75

Senior Citizen Saving

3.75

Shareholder’s Saving

3.75

Welcome Account

3.75

Locker Deposit

3.75

Provident Fund Other

3.75

Sadharan Bachat

3.50

Bal Bhawishya Yojana

3.75

Sahayatra Bachat Khata (Monthly/Quarterly Interest Posting)

5.50

Lumbini Talab Khata

3.75

FCY Deposit (USD/GBP/Euro)

1.00

Call Account

Up to 1.75

Recurring Deposit

3.75

Akshyaya Kosh

Negotiable

Fixed Deposit

(Interest Posting Frequency- Monthly/Quarterly)

3 Months

 

 

Individual

7.00

6 Months

8.00

1 Year & Upto 2 Years

9.00

Above 2 Years to Upto 5 Years

 9.25

Above 5 Years

9.5

Lumbini Sahayatra Muddhati Khata

9.00

1 Year & Above

For Renewal

 

Institutional

8.00

For New

6.75

 

 

CREDIT PRODUCT
Floating Rate

Credit Products

Tenure

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

Agro Plus Loan (TL/OD)

 

Base Rate + Up to 4%

Auto Loan

Upto 3 Years

Base Rate + Up to 2%

Above 3 Years & upto 5 Years

Base Rate + Up to 3%

Above 5 Years

Base Rate + Up to 4%

Hire Purchase Loan

Upto 3 Years

Base Rate + Up to 3%

Above 3 Years & upto 5 Years

Base Rate + Up to 4%

Above 5 Years

Base Rate + Up to 5%

Business Plus Loan (OD/DL/TL)

 

Base Rate + Up to 4%

Comfort Loan

 

Base Rate + Up to 5%

Education Loan

 

Base Rate + Up to 3%

Foreign Employment Loan

             

Base Rate + Up to 3%

Personal Loan (OD/TL)

 

Base Rate + Up to 5%

Real Estate Loan (OD/DL/TL)

 

Base Rate + Up to 5%

Home Loan

Upto 5 Years

Base Rate + Up to 2%

Above 5 Years & Upto 10 Years

Base Rate + Up to 3%

Above 10 Years & Upto 15 Years

Base Rate + Up to 4%

Above 15 Years

Base Rate + Up to 5%

Margin Lending Loan

 

Base Rate + Up to 4%

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Up to 4%

Two Wheeler Loan

 

Base Rate + Up to 4%

Personal Loan (OD/TL)

 

Base Rate + Up to 5%

Deprived Sector Loan (OD/TL)

 

Base Rate + Up to 5%

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

14.00%

14.00%

Auto Loan

12.50%

13.50%

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