Interest Rates

Interest Rate (Per Annum) Effective from 2074/01/06

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 Up to 6%
BFI Call Account 5000.00 Up to 6%
Corporate Call Account 100.00 Up to 6%
Call Account Others 100.00 Up to 6%
Special Call A/c 5000.00 Up to 6%

Interest Rate on Saving Deposits Account :

SAVING DEPOSITS Minimum Balance Monthly Int.Paying Quarterly Int.Paying
Staff Saving Account 6.50%
Normal Saving Account 100.00 6.00%
Bal Bhabhishya Bachat 100.00 6.25%
Pewa Bachat 200.00 6.00%
Jestha Nagarik Bachat 500.00 6.00%
Gurkha Saving 500.00 6.25%
Salary Saving 6.25%
Shareholder’s Saving 100.00 6.50%
Super Saving 1000.00 6.00%
Bidhharthi Bachat 100.00 6.25%
Remittance 100.00 6.50%
Group Saving-MF 6.00%
Personal Saving-MF 6.00%
Providend Fund Account 6.50%
Recurring Account 100.00 6.25%

Interest Rate on Fixed Deposits Account:

FIXED DEPOSITS Quarterly Int paying Maturity Int.Paying Flexi* Monthly
Fixed Deposit-3 Months 11.25% 9.50%
Fixed Deposit-6 Months 11.25% 11.50% 9.75%
Fixed Deposit-9 Months 11.50% 11.75% 10.00%
Fixed Deposit-1 Year 11.75% 12.00% 10.50%
Fixed Deposit-2 Years 11.00% 11.50% 10.75%
Fixed Deposit-3 Years 9.75% 10.00%
Fixed Deposit-4 Years 10.00% 10.25%
Fixed Deposit-5 Years 10.25% 10.50%
Fixed Deposit-Above 5 Years Negotiable Negotiable
Endowment Fund Equal to 2 Years FD Quarterly Rate

Interest Rate on Individual Loan Account :

Individual Loans Normal Prime
Personal OD 15.00-17.00% 13.00-14.00%
Easy Term- Normal 14.50-16.50% 12.50-13.50%
Home Loan 14.00-16.00% 12.00-13.00%
Hire Purchase Loan 15.50-17.50% 13.50-14.50%
Share/Security Loan 13.00-16.00% N/A
Guarantee Loan 16.00-18.00% N/A
Gold And Silver Loan 14.00-16.00% N/A
Card Overdraft 16.00% N/A
Foreign Employment 13.00-16.00% N/A
Educational Loan 13.00-15.00% N/A
Auto Loan – Private 13.00-15.00% N/A
Consortium Loan As per Agreement
Loan Against FDR +2.00 or 11.00% HIGHER

Interest Rate on Corporate Loans  Account:

Corporate Loans Normal Prime
Business OD 14.50-16.50% 12.50-13.50%
Term Loan 14.00-16.00% 12.00-13.00%
Demand Loan 15.00% N/A
Trust Receipt Loan 16.00% N/A
Vehicle Loan 13.00-16.00% N/A

Interest Rate on Different Loans  Account :

Different Loans OD TERM
SME Loan 13.25-17.00% 13.00-16.00%
Import Loan 15.00% 14.00%
Agriculture Loan 13.25-17.00% 13.00-16.00%
Industry Loan 13.25-17.00% 13.00-16.00%
Energy Loan 13.25-17.00% 13.00-16.00%
Tourism Loan 13.25-17.00% 13.00-16.00%
Real Estate Loan 15.00-18.00% 14.00-16.00%

Interest Rate on Deprived Sector Loan Account :

Deprived Section Loans OD Term
Deprived-General 20.00% N/A
Micro Enterprise 19.00% N/A
Low – Cost Housing 15.00% N/A
Deprived Loan-Other 15.00% N/A
Micro Hydro 14.00% N/A
wholeSale Lending 10.00-12.00% N/A
 Base Rate : 9.52%

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.