Interest Rate (Per Annum) Effective from 2080/10/01 (15 January 2023)

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

Interest Rate on Call Deposits Account :
CALL DEPOSITSMinimum BalanceQuarterly Int.Paying(Min/Max)
Co-Ops Call Account1000.00upto 2.00%
BFI Call Account5000.00upto 2.00%
Corporate Call Account100.00upto 2.00%
Call Account Others100.00upto 2.00%
Special Call Account5000.00 1.00%
Interest Rate on Saving Deposits Account :
SAVING DEPOSITSMinimum BalanceMonthly Int.PayingQuarterly Int.Paying
Staff Saving Account 6.00%
Normal Saving Account 4.00%
Bal Bhabhishya Bachat100.00 4.00%
Pewa Bachat200.00 4.00%
Nari Bachat100.00 4.00%
Jestha Nagarik Bachat500.00 4.00%
Gurkha Saving500.00 4.00%
Salary Saving500.00 4.00%
Shareholder’s Saving100.00 6.00%
Shangri-La Super Premium Bachat1000.00 4.00%
Bidhharthi Bachat 4.00%
Group Saving-MF 4.00%
Personal Saving-MF 4.00%
Micro Finance Saving5000.00 4.00%
Karmachari Sulav Bachat Khata 4.00%
Recurring Account100.00 4.00%
Samajik Surakchya Bachat 4.00%
Shangri-La Sambriddhi Bachat 5,000.00 4.00%
Sunaulo Remittance100.00 7.00%
Shangri-La Pay roll Account 4.00%
Shangrila Naulo Bachat Account25,000.00 4.00%
Mero Shangri-La Bachat Khata5,000.00 4.00%
Shangri-la Uchhatam Bachat Khata5,000.00 6.00%
Swornim Nari Bachat Khata1000.00 6.00%
Interest Rate on Fixed Deposits Account:

Period

 Interest Rate (Monthly/Quarterly/ Maturity) 




3 months to below 6 Month 

8.00%


6 Months to below 1 Year

8.50%


1 Year to below 2 Years

8.75%


2 Years and above  

9.00%


Remittance Fixed Deposit  

1% additional on above FD interest rates as per time period


Shangri-la Kramik Muddati  

8.83%


Institutional


Period

Interest Rate (Monthly/Quarterly/ Maturity)


6 Months to below 1 Year

6.50%


1 Year to below 2 Years

6.75%


2 Years and above

7.00%


Interest Rate on Individual Loan Account :
Individual LoansPremium Rate(%)
Personal ODupto 3.99%
Easy Termupto 3.99%
Home Loanupto 3.99%
Hire Purchase Loanupto 3.99%
Share/Security Loanupto 3.99%
Guarantee Loanupto 3.99%
Gold And Silver Loanupto 3.99%
Foreign Employmentupto 3.99%
Educational Loanupto 3.99%
Auto Loan – Privateupto 3.99%
Personal Demand Loanupto 3.99%
Consortium LoanAs per Agreement
Loan Against FDRCoupon Rate Plus 3%
Interest Rate on Corporate Loans  Account:
Corporate LoansPremium Rate
Business ODupto 3.99%
Term Loanupto 3.99%
Demand Loanupto 3.99%
Vehicle Loanupto 3.99%
Interest Rate on Different Loans  Account :
Different LoansPremium Rate(%)
SME Loan-ODupto 3.99%
SME Loan-Termupto 3.99%
Agriculture Loan-ODupto 3.99%
Agriculture Loan-Termupto 3.99%
Industry Loan-ODupto 3.99%
Industry Loan-Termupto 3.99%
Energy Loan-ODupto 3.99%
Energy Loan-Termupto 3.99%
Tourism Loan-ODupto 3.99%
Tourism Loan-Termupto 3.99%
Real Estate Loan-ODupto 3.99%
Real Estate Loan-Termupto 3.99%
Bridge Gap Loanupto 3.99%
Fixed Rate for Personal Term Loan :
Personal Term Loan(Time span)Interest Rate(%)
Up to 7 yearsupto 14 %
Interest Rate on Deprived Sector Loan Account :
Deprived Section LoansInterest Rate(%)
Deprived-Generalupto 4.99%
Seasonal Loanupto 4.99%
Micro Enterpriseupto 4.99%
Low – Cost Housingupto 4.99%
Deprived Loan-Otherupto 4.99%
Micro Hydroupto 4.99%
Wholesale Lendingupto 2%
Base Rate : 11%As of Mangsir 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 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.