Interest Rate

Interest Rate Effective from 1st Mangsir 2079 (November 17 , 2022)

 

DEPOSIT PRODUCT

 

Deposit Products

Interest Rate (% p.a.)

Normal Saving

7.85%

Check – In Saving

7.85%

Premium Saving

7.85%

Nari Bachat

7.85%

Bal Surakshya Bachat

7.85%

Senior Citizen Saving

7.85%

Shareholder’s Saving

7.85%

Welcome Account

7.85%

Locker Deposit

7.85%

Provident Fund Other

7.85%

Sadharan Bachat

7.85%

Bal Bhawishya Yojana

7.85%

Sahayatra Bachat Khata
(Monthly/Quarterly Interest Posting)

9.00%

Lumbini Talab Khata

7.85%

Samajik Surkshya Bachat

7.85%

Remittance Bachat Khata

10.00%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 3.93%

Recurring Deposit

7.85%

Akshyaya Kosh

Negotiable

 

 

Fixed Deposit

(Interest Posting Frequency)

3 Months & Above (Monthly /Quarterly)

 

 

 

Individual

 12.85%

Lumbini Sahayatra Muddhati Khata
(1 Year Only) (Monthly /Quarterly)

 12.85%

Lumbini Multiple Dhamaka Khata 12.85%

Lumbini Multiple Dhamaka Khata 

Remittance

13.85%

Remittance Fixed Deposit (Monthly /Quarterly)

13.85%

3 Months & Above (Monthly /Quarterly)

 

 

 

Institutional

 

10.85%

Lumbini Multiple Dhamaka Khata 10.85%      

Lumbini Multiple Dhamaka

Fold   

For Individual Customer                                

For Individual Customer(Remittance)

For Institutional Customer

2 x 5 years, 9 months and 4 days 5 years, 4 months and 2 days 7 years, 7 months and 3 days
3 x 9 years, 1 months and 0 days 8 years, 5 months and 2 days 12 years, 0 months and 0 days
4 x 11 years, 5 months and 2 days 10 years, 8 months and 3 days 15 years, 2 months and 1 days
5 x 13 years, 4 months and 2 days 12 years, 4 months and 2 days 17 years, 7 months and 3 days
6 x 14 years, 10 months and 4 days 13 years, 9 months and 4 days 19 years, 7 months and 3 days
7 x 16 years, 1 months and 0 days 14 years, 11 months and 5 days 21 years, 3 months and 1 days
8 x 17 years, 2 months and 1 days 15 years, 11 months and 5 days 22 years, 8 months and 3 days
9 x 18 years, 2 months and 1 days 16 years, 10 months and 4 days 23 years, 11 months and 5 days
10 x 19 years, 0 months and 0 days 17 years, 8 months and 3 days 25 years, 1 months and 0 days

 

 

CREDIT PRODUCT
Floating Interest Rate

Credit Products

Tenure

Interest Rate (Base Rate + Premium) (% p.a.)

Agro Plus Loan (TL/OD/DL)

 

Base Rate + Up to 9.25%

 

Auto Loan

Up to 3 Years

Base Rate + Up to 5.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 8.25%

Above 5 Years

Base Rate + Up to 9.25%

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Up to 7.25%

Above 3 Years & up to 5 Years

Base Rate + Up to 8.50%

Above 5 Years

Base Rate + Up to 9.25%

Business Plus Loan (OD/DL/TL)

 

Base Rate + Up to 9.25%

Comfort Loan

 

Base Rate + Up to 9.25%

Education Loan

 

Base Rate + Up to 9.25%

Foreign Employment Loan

 

Base Rate + Up to 8.25%

Personal Loan (OD/TL)

 

Base Rate + Up to 9.25%

Real Estate Loan (OD/DL/TL)

 

Base Rate + Up to 9.25%

 

Home Loan

Up to 5 Years

Base Rate + Up to 8.25%

Above 5 Years & Up to 10 Years

Base Rate + Up to 8.5%

Above 10 Years & Up to 15 Years

Base Rate + Up to 8.75%

Above 15 Years

Base Rate + Up to 9.25%

Margin Lending Loan

 

Base Rate + Up to 7.75%

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Up to 7.75%

Two Wheeler Loan

 

Base Rate + Up to 9.25%

Deprived Sector Loan (OD/TL)

 

Base Rate + Up to 9.25%

Deprived Sector (wholesale) (OD/DL/TL)

 

As per Management Decision

Loan against FDR/NSB/DB

 

+2% on Coupon Rate

Consortium Loan (OD/BGL/TL)

 

As per consortium decision

CREDIT PRODUCT
Fixed Rate

Credit Products

Upto 5 Years

Above 5 Years

Home Loan

15.00%

15.50%

Personal Loan (TL)

15.00%

15.50%

Comfort Loan

15.00%

15.50%

Education Loan

15.00%

15.50%

Two Wheeler

15.00%

15.50%

Auto Loan

15.00%

15.50%

* BR= Base rate (For the updated Base Rate, Click Here)