Interest Rate (Per Annum) Effective from 2081/01/01 (13 April 2024)

Interest Rate on Various Products :

Products Type	Minimun Balance
Loan, Operating, Current 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 1.50%
BFI Call Account	5000.00	upto 1.50%
Corporate Call Account	100.00	upto 1.50%
Call Account Others	100.00	upto 1.50%
Special Call Account	5000.00	1.00%

Interest Rate on Saving Deposits Account :

SAVING DEPOSITS	Minimum Balance	Monthly Int.Paying	Quarterly Int.Paying
Staff Saving Account	–		4.00%
Normal Saving Account	–		3.00%
Bal Bhabhishya Bachat	100.00		3.00%
Pewa Bachat	200.00		3.00%
Nari Bachat	100.00	3.00%	–
Jestha Nagarik Bachat	500.00	3.00%	–
Gurkha Saving	500.00		3.00%
Salary Saving	500.00		3.00%
Shareholder’s Saving	100.00		4.00%
Shangri-La Super Premium Bachat	1000.00		3.00%
Bidhharthi Bachat	–		3.00%
Group Saving-MF	–		3.00%
Personal Saving-MF	–		3.00%
Micro Finance Saving	5000.00		3.00%
Karmachari Sulav Bachat Khata	–		3.00%
Recurring Account	100.00		3.00%
Samajik Surakchya Bachat	–		3.00%
Shangri-La Sambriddhi Bachat	5,000.00	3.00%
Sunaulo Remittance	100.00		5.00%
Shangri-La Pay roll Account	–	3.00%	–
Shangrila Naulo Bachat Account	25,000.00	3.00%	–
Mero Shangri-La Bachat Khata	5,000.00		3.00%
Shangri-la Uchhatam Bachat Khata	5,000.00		4.00%
Swornim Nari Bachat Khata	1000.00		4.00%

Interest Rate on Fixed Deposits Account:

Individual
Period	Interest Rate (Quarterly/Maturity)
6 months to below 1 Year	6.50%
1 Year to below 2 Year	7.25%
2 Year and above	7.75%
Remittance FD	1% additional on above FD interest rates as per time period.
Institutional
Period	Interest Rate (Quarterly/ Maturity)
6 Months to below 1 Year	5.00%
1 Year to below 2 Years	5.75%
2 Years and Above	6.25%

 

Interest Rate on Individual Loan Account :

Individual Loans	Premium Rate(%)
Personal OD	upto 3.99%
Easy Term	upto 3.99%
Home Loan	upto 3.99%
Hire Purchase Loan	upto 3.99%
Share/Security Loan	upto 3.99%
Guarantee Loan	upto 3.99%
Gold And Silver Loan	upto 3.99%
Foreign Employment	upto 3.99%
Educational Loan	upto 3.99%
Auto Loan – Private	upto 3.99%
Personal Demand Loan	upto 3.99%
Consortium Loan	As per Agreement
Loan Against FDR	Coupon Rate Plus 3%

Interest Rate on Corporate Loans  Account:

Corporate Loans	Premium Rate
Business OD	upto 3.99%
Term Loan	upto 3.99%
Demand Loan	upto 3.99%
Vehicle Loan	upto 3.99%

Interest Rate on Different Loans  Account :

Different Loans	Premium Rate(%)
SME Loan-OD	upto 3.99%
SME Loan-Term	upto 3.99%
Agriculture Loan-OD	upto 3.99%
Agriculture Loan-Term	upto 3.99%
Industry Loan-OD	upto 3.99%
Industry Loan-Term	upto 3.99%
Energy Loan-OD	upto 3.99%
Energy Loan-Term	upto 3.99%
Tourism Loan-OD	upto 3.99%
Tourism Loan-Term	upto 3.99%
Real Estate Loan-OD	upto 3.99%
Real Estate Loan-Term	upto 3.99%
Bridge Gap Loan	upto 3.99%

Fixed Rate for Personal Term Loan :

Personal Term Loan(Time span)	Interest Rate(%)
Up to 7 years	upto 14 %

Interest Rate on Deprived Sector Loan Account :

Deprived Section Loans	Interest Rate(%)
Deprived-General	upto 4.99%
Seasonal Loan	upto 4.99%
Micro Enterprise	upto 4.99%
Low – Cost Housing	upto 4.99%
Deprived Loan-Other	upto 4.99%
Micro Hydro	upto 4.99%
Wholesale Lending	upto 2%
Base Rate : 10.19%	As of Falgun End , 2080

CLICK HERE to view our old interest rate

Note :

• Others Charges and fees will be as published in the Website.
• 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.
• Interest Rate in case of Loans and Advances shall be Average Base rate plus Premium rate as mention above.
• Deprived Sector Loans: In case of deprived sector loans to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, War Victim, Single Women and differently abled people, Interest rate below 1% than the published rate shall be applicable.