Interest Rate

Interest Rate Effective from Jestha 01, 2078 (May 15 , 2021)

 

DEPOSIT PRODUCT

Deposit Products

Interest Rate (% p.a.)

Normal Saving

3.5%

Check – In Saving

3.5%

Premium Saving

5%

Nari Bachat

3.5%

Bal Surakshya Bachat

3.5%

Senior Citizen Saving

3.5%

Shareholder’s Saving

3.5%

Welcome Account

3.5%

Locker Deposit

3.5%

Provident Fund Other

3.5%

Sadharan Bachat

3.5%

Bal Bhawishya Yojana

3.5%

Sahayatra Bachat Khata
(Monthly/Quarterly Interest Posting)

5%

Lumbini Talab Khata

3.5%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 1.75%

Recurring Deposit

3.5%

Akshyaya Kosh

Negotiable

 

 

 

Fixed Deposit

(Interest Posting Frequency- Quarterly)

3 Months to Below 6 Months

 

 

 

Individual

7%

6 Months to Below 1 Year

7.5%

1 Year & Above

8.5%

Lumbini Sahayatra Muddhati Khata
(1 Year Only)

8.5%

3 Months to Below 6 Months

 

 

Institutional

6%

6 Months to Below 1 Year

7.50%

1 Year and Above

8.5%

 

 

CREDIT PRODUCT
Floating Rate

Credit Products

Tenure

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

Agro Plus Loan (TL/OD)

 

Base Rate + Up to 8.25%

 

Auto Loan

Up to 3 Years

Base Rate + Up to 5.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 8.25%

Above 5 Years

Base Rate + Up to 8.75%

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Up to 7.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 8.5%

Above 5 Years

Base Rate + Up to 8.75%

Business Plus Loan (OD/DL/TL)

 

Base Rate + Up to 8.5%

Comfort Loan

 

Base Rate + Up to 8.25%

Education Loan

 

Base Rate + Up to 8.25%

Foreign Employment Loan

 

Base Rate + Up to 8.25%

Personal Loan (OD/TL)

 

Base Rate + Up to 8.25%

Real Estate Loan (OD/DL/TL)

 

Base Rate + Up to 7.75%

 

Home Loan

Up to 5 Years

Base Rate + Up to 8.25%

Above 5 Years & Up to 10 Years

Base Rate + Up to 8.5%

Above 10 Years & Up to 15 Years

Base Rate + Up to 8.75%

Above 15 Years

Base Rate + Up to 8.25%

Margin Lending Loan

 

Base Rate + Up to 7.75%

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Up to 7.75%

Two Wheeler Loan

 

Base Rate + Up to 8.25%

Personal Loan (OD/TL)

 

Base Rate + Up to 8.75%

Deprived Sector Loan (OD/TL)

 

Base Rate + Up to 8.25%

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)