Interest Rates

Interest Rate (Per Annum) Effective from 2074/07/29

Interest Rate on Various Products :

Products Type Minimun Balance
Margin,Loan Operating,Current,FD Matured Accounts 0 to 5000.00

Interest Rate on Call Deposits Account :

CALL DEPOSITS Minimum Balance Quarterly Int.Paying(Min/Max)
Co-Ops Call Account 1000.00 upto 5%
BFI Call Account 5000.00 upto 5%
Corporate Call Account 100.00 upto 5%
Call Account Others 100.00 upto 5%
Special Call A/c 5000.00 upto 1%

Interest Rate on Saving Deposits Account :

SAVING DEPOSITS Minimum Balance Monthly Int.Paying Quarterly Int.Paying
Staff Saving Account 7.00%
Normal Saving Account 100.00 5.00%
Bal Bhabhishya Bachat 100.00 5.25%
Pewa Bachat 200.00 5.00%
Jestha Nagarik Bachat 500.00 5.00%
Gurkha Saving 500.00 5.25%
Salary Saving 5.25%
Shareholder’s Saving 100.00 7.00%
Super Saving 1000.00 5.00%
Bidhharthi Bachat 100.00 5.25%
Remittance 100.00 6.00%
Group Saving-MF 5.00%
Personal Saving-MF 5.00%
Providend Fund Account 6.00%
Recurring Account 100.00 5.25%
Premium Bachat 5000.00 7.00%
Samajik Surakchya Bachat 7.00%

Interest Rate on Fixed Deposits Account:

FIXED DEPOSITS Quarterly Int paying Maturity Int.Paying
Fixed Deposit-3 Months 7.25%
Fixed Deposit-6 Months 7.50% 7.75%
Fixed Deposit-9 Months 7.75% 8.00%
Fixed Deposit-1 Year 9.00% 9.50%
Fixed Deposit-2 Years 10.00% 10.50%
Fixed Deposit-3 Years 9.50% 10.00%
Fixed Deposit-4 Years 9.50% 10.00%
Fixed Deposit-5 Years 9.50% 10.00%
Fixed Deposit-Above 5 Years Negotiable Negotiable
Endowment Fund Equal to 2 Years FD Quarterly Rate

Interest Rate on Individual Loan Account :

Individual Loans Premium Rate Interest Rate  (Base + Premium)
Personal OD 1.75 to 4.75  13.00 to 16.00
Easy Term- Normal 1.75 to 4.75  13.00 to 16.00
Home Loan upto 3.75  11.25 to 15.00
Hire Purchase Loan upto 4.75  11.25 to 16.00
Share/Security Loan upto 4.75  11.25 to 16
Guarantee Loan 3.75 to 6.75  15 to 18
Gold And Silver Loan 1.75 to 3.75  13 to 15
Foreign Employment upto 3.25  11.25 to 14.5
Educational Loan upto 3.25  11.25 to 14.5
Auto Loan – Private  upto 3.25  11.25 to 14.5
Consortium Loan As per Agreement
Loan Against FDR coupon Rate Plus 3%

Interest Rate on Corporate Loans  Account:

Corporate Loans Premium Rate Interest Rate  (Base + Premium)
Business OD upto 4.25 11.25 to 15.5
Term Loan upto 3.75 11.25 to 15.00
Demand Loan 1.75 to 3.75 13.00 to 15.00
Vehicle Loan upto 3.25 11.25 to 14.5

Interest Rate on Different Loans  Account :

Different Loans Premium Rate Interest Rate  (Base + Premium)
SME Loan-OD upto 4.25  11.25 to 15.5
SME Loan-Term upto 4.25 11.25 to 15.5
Import Loan-OD upto 4.25 11.25 to 15.5
Import Loan-Term upto 4.25 11.25 to 15.5
Agriculture Loan-OD upto 4.25 11.25 to 15.5
Agriculture Loan-Term upto 4.25 11.25 to 15.5
Industry Loan-OD upto 3.25 11.25 to 14.5
Industry Loan-Term upto 2.75 11.25 to 14.00
Energy Loan-OD upto 4.25 11.25 to 15.5
Energy Loan-Term upto 3.75 11.25 to 15.00
Tourism Loan-OD upto 4.25 11.25 to 15.5
Tourism Loan-Term upto 3.75 11.25 to 15.00
Real Estate Loan-OD  1.75 to 5.25 13.00 to 16.5
Real Estate Loan-Term  1.75 to 4.75 13.00 to 16.00

Interest Rate on Deprived Sector Loan Account :

Deprived Section Loans Premium Rate Interest Rate  (Base + Premium)
Deprived-General  8.75 to 9.75  20 to 21
Micro Enterprise  7.75 to 8.75  19 to 20
Low – Cost Housing  3.75 to 4.75  15 to 16
Deprived Loan-Other  3.75 to 4.75  15 to 16
Micro Hydro 3.75 to 4.75  15 to 16
wholesale Lending  0.75 to 1.75  12 to 13
Base Rate : 11.25%  Spread Rate : 5.85%

Note :

  1. Others Charges and fees will be as published in the Website.
  2. This shall be taken as formal notice of change of rate to all customer,all customer are required to contact concerned branches for revised interest rate and new schedules.
  3. Interest Rate in case of Loans and Advances shall be Base rate plus Premium rate as mention above.