Interest Rate of Baisakh 2079

Interest Rate (Per Annum) Effective from 2079/01/01 (14 April, 2022)

Interest Rate on Various Products :
Products TypeMinimun Balance
Margin, Loan Operating, Current, FD Matured Accounts0 to 5000.00

Interest Rate on Call Deposits Account :
CALL DEPOSITSMinimum BalanceQuarterly Int.Paying(Min/Max)
Co-Ops Call Account1000.00upto 3.28%
BFI Call Account5000.00upto 3.28 %
Corporate Call Account100.00upto 3.28 %
Call Account Others100.00upto 3.28 %
Special Call Account5000.00 1.00%
Interest Rate on Saving Deposits Account :
SAVING DEPOSITSMinimum BalanceMonthly Int.PayingQuarterly Int.Paying
Staff Saving Account7.00 %
Normal Saving Account6.55 %
Bal Bhabhishya Bachat100.00 6.55 %
Pewa Bachat200.00 6.55 %
Nari Bachat100.00 6.55 %
Jestha Nagarik Bachat500.00 6.55 %
Gurkha Saving500.00 6.55 %
Salary Saving500.00 6.55 %
Shareholder’s Saving100.00 7.00 %
Shangri-La Super Premium Bachat1000.00 6.75 %
Bidhharthi Bachat 6.55 %
Remittance Saving100.00 6.55 %
Group Saving-MF 6.55 %
Personal Saving-MF 6.55 %
Micro Finance Saving5000.00 6.55 %
Providend Fund Account 6.55 %
Recurring Account100.00 6.55 %
Samajik Surakchya Bachat 6.55 %
Shangri-La Sambriddhi Bachat 5,000.00 6.75 %
Sunaulo Remittance100.009.55 %
Shangri-La Pay roll Account8.25 %
Shangrila Naulo Bachat Account25,000.007.25 %
Mero Shangri-La Bachat Khata5,000 8.55 %
Interest Rate on Fixed Deposits Account:
Period Interest Rate (Monthly/Quarterly/ Maturity)
Indiviual
3 Months and above 11.55%
Remittance Fixed Deposit(3 Months and above) 12.55%
Ek ko Dui Muddati (Principal Amount double in 6.5 years )
Institutional
Period new renew
3 Months and above 10.55% 10.45%
Interest Rate on Individual Loan Account :
Individual LoansPremium Rate(%)
Personal ODupto 10
Easy Term- Normalupto 9
Home Loanupto 8
Hire Purchase Loanupto 9
Share/Security Loanupto 9
Guarantee Loanupto 10
Gold And Silver Loanupto 7.5
Foreign Employmentupto 8
Educational Loanupto 8
Auto Loan – Privateupto 9
Personal Demand Loanupto 9
Consortium LoanAs per Agreement
Loan Against FDRcoupon Rate Plus 3%
Interest Rate on Corporate Loans  Account:
Corporate LoansPremium Rate
Business ODupto 8
Term Loanupto 8
Demand Loanupto 9
Vehicle Loanupto 8
Interest Rate on Different Loans  Account :
Different LoansPremium Rate(%)
SME Loan-ODupto 9
SME Loan-Termupto 9
Agriculture Loan-ODupto 8
Agriculture Loan-Termupto 8
Industry Loan-ODupto 8
Industry Loan-Termupto 8
Energy Loan-ODupto 8
Energy Loan-Termupto 8
Tourism Loan-ODupto 8
Tourism Loan-Termupto 8
Real Estate Loan-ODupto 10
Real Estate Loan-Termupto 10
Bridge Gap Loanupto 8
Fixed Rate for Personal Term Loan :
Personal Term Loan(Time span)Interest Rate(%)
Upto 7 yearsupto 18 %
Interest Rate on Deprived Sector Loan Account :
Deprived Section LoansInterest Rate(%)
Deprived-Generalupto 10
Seasonal Loanupto 10
Micro Enterpriseupto 10
Low – Cost Housingupto 10
Deprived Loan-Otherupto 10
Micro Hydroupto 10
Wholesale Lendingupto 10
Base Rate : 9.93%As of Magh End , 2078

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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 Base rate plus Premium rate as mention above.
  • Derived Sector Loans: In case of derived 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.