Interest Rates

Interest Rate (Per Annum) Effective from 2073/10/18

Interest Rate on Various Products :

Products Type Minimun Balance
Margin,Loan Operating,Current,FD Matured Accounts 0 to 500000.00

Interest Rate on Call Deposits Account :

CALL DEPOSITS Minimun Balance Quarterly Int.Paying(Min/Max)
Co-Ops Call Account 1000.00 Up to 7.50%
BFI Call Account 5000.00 Up to 7.50%
Corporate Call Account 100.00 Up to 7.00%
Call Account Others 100.00 Up to 7.50%
Special Call Account 500000.00 Up to 12.5%

Interest Rate on Saving Deposits Account :

SAVING DEPOSITS Minimun Balance Monthly Int.Paying Quarterly Int.Paying
Staff Saving Account 5.50%
Normal Saving Account 100.00 3.50%
Bal Bhabhishya Bachat 100.00 4.50%
Pewa Bachat 200.00 4.50%
Jestha Nagarik Bachat 500.00 4.75%
Gurkha Saving 500.00 5.00%
Shareholder’s Saving 100.00 5.50%
Super Saving 1000.00 4.50%
Bidhharthi Bachat 100.00 4.50%
Remittance 100.00 5.00%
Group Saving-MF 4.00%
Personal Saving-MF 4.00%
Providend Fund Account 5.50%
Recurring Account 100.00 5.00%

Interest Rate on Fixed Deposits Account:

FIXED DEPOSITS Quarterly Int paying Maturity Int.Paying
Fixed Deposit-3 Months 12.00%
Fixed Deposit-6 Months 12.00% 12.00%
Fixed Deposit-9 Months 12.00% 12.25%
Fixed Deposit-1 Year 12.25% 12.50%
Fixed Deposit-2 Years 8.50% 8.75%
Fixed Deposit-3 Years 8.50% 8.75%
Fixed Deposit-4 Years 8.50% 8.75%
Fixed Deposit-5 Years 9.00% 9.25%
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 14.00-16.00% 12.00-13.00%
Easy Term- Normal 13.50-15.00% 11.50-12.50%
Home Loan 13.00-15.00% 11.00-12.00%
Hire Purchase Loan 14.00-16.00% 12.00-13.00%
Share/Security Loan 11.25-13.25% N/A
Guarantee Loan 15.00-17.00% N/A
Gold And Silver Loan 12.00-14.00% N/A
Card Overdraft 16.00% N/A
Foreign Employment 12.00-14.00% N/A
Auto Loan – Private 11.00-13.00% N/A
Consortium Loan As per Agreement
Loan Against FDR +2.00 or 9.5% HIGHER

Interest Rate on Corporate Loans  Account:

Corporate Loans Normal Prime
Business OD 13.25-15.25% 11.00-15.00%
Term Loan 13.00-15.00% 11.00-12.00%
Demand Loan 15.00% N/A
Trust Receipt Loan 16.00% N/A
Vehicle Loan 11.00-14.00% N/A

Interest Rate on Different Loans  Account :

Different Loans OD TERM
SME Loan 11.50-16.50% 11.00-15.00%
Import Loan 15.00% 14.00%
Agriculture Loan 11.50-16.50% 11.00-15.00%
Industry Loan 11.50-16.50% 11.00-15.00%
Energy Loan 11.50-16.50% 11.00-15.00%
Tourism Loan 11.50-16.50% 11.00-15.00%
Real Estate Loan 12.50-17.00% 12.00-16.00%

Interest Rate on Deprived Section 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 14.00% N/A
Micro Hydro 13.00% N/A
wholeSale Lending 8.00-10.00% N/A
 Base Rate : 7.96%

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.