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	upto 2.40%
BFI Call Account	5000.00	upto 2.40%
Corporate Call Account	100.00	upto 2.40%
Call Account Others	100.00	upto 2.40%
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	–	–	6.80%
Normal Saving Account	–	–	4.80%
Bal Bhabhishya Bachat	100.00	–	4.80%
Pewa Bachat	200.00	–	4.80%
Nari Bachat	100.00	4.80%	–
Jestha Nagarik Bachat	500.00	4.80%	–
Gurkha Saving	500.00	–	4.80%
Salary Saving	500.00	–	4.80%
Shareholder’s Saving	100.00	–	5.80%
Shangri-La Super Premium Bachat	1000.00	–	4.80%
Bidhharthi Bachat	–	–	4.80%
Group Saving-MF	–	–	4.80%
Personal Saving-MF	–	–	4.80%
Micro Finance Saving	5000.00		4.80%
Karmachari Sulav Bachat Khata	–	–	4.80%
Recurring Account	100.00	–	4.80%
Samajik Surakchya Bachat	–	–	4.80%
Shangri-La Sambriddhi Bachat	5,000.00	4.80%
Sunaulo Remittance	100.00		7.80%
Shangri-La Pay roll Account	–	4.80%
Shangrila Naulo Bachat Account	25,000.00	4.80%
Mero Shangri-La Bachat Khata	5,000.00		4.80%
Shangri-la Uchhatam Bachat Khata	5,000.00		6.80%
Swornim Nari Bachat Khata	1000.00		6.80%

Interest Rate on Fixed Deposits Account:

Period	Interest Rate (Monthly/Quarterly/ Maturity)
3 months to below 6 Month	8.00%
6 Months to 1 Year	8.50%
Above 1 Year to 2 Year	9.00%
Above 2 Year	9.55%
Remittance Fixed Deposit	1% additional on above FD interest rates as per time period
Institutional
Period	Interest Rate (Monthly/Quarterly/ Maturity)
6 Months to 1 Year	6.50%
Above 1 Year to 2 Years	7.00%
Above 2 Years	7.55%

Interest Rate on Individual Loan Account :

Individual Loans	Premium Rate(%)
Personal OD	upto 5
Easy Term- Normal	upto 5
Home Loan	upto 4
Hire Purchase Loan	upto 6
Share/Security Loan	upto 4
Guarantee Loan	upto 6
Gold And Silver Loan	upto 4
Foreign Employment	upto 4
Educational Loan	upto 4
Auto Loan – Private	upto 4
Personal Demand Loan	upto 6
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 4
Term Loan	upto 4
Demand Loan	upto 4
Vehicle Loan	upto 6

Interest Rate on Different Loans  Account :

Different Loans	Premium Rate(%)
SME Loan-OD	upto 4
SME Loan-Term	upto 4
Agriculture Loan-OD	upto 4
Agriculture Loan-Term	upto 4
Industry Loan-OD	upto 4
Industry Loan-Term	upto 4
Energy Loan-OD	upto 4
Energy Loan-Term	upto 4
Tourism Loan-OD	upto 4
Tourism Loan-Term	upto 4
Real Estate Loan-OD	upto 6
Real Estate Loan-Term	upto 6
Bridge Gap Loan	upto 4

Fixed Rate for Personal Term Loan :

Personal Term Loan(Time span)	Interest Rate(%)
Upto 7 years	upto 16 %

Interest Rate on Deprived Sector Loan Account :

Deprived Section Loans	Interest Rate(%)
Deprived-General	upto 6
Seasonal Loan	upto 6
Micro Enterprise	upto 6
Low – Cost Housing	upto 6
Deprived Loan-Other	upto 6
Micro Hydro	upto 6
Wholesale Lending	upto 4
Base Rate : 11.59%	As of Ashwin 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.
• 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.