Interest Rate

Interest Rate Effective from 1st Jestha 2080 (May 15 , 2023)

 

DEPOSIT PRODUCT

 

Deposit Products

Interest Rate (% p.a.)

Normal Saving

6.00%

Check – In Saving

6.00%

Premium Saving

6.00%

Nari Bachat

6.00%

Bal Surakshya Bachat

6.00%

Senior Citizen Saving

6.00%

Shareholder’s Saving

6.00%

Welcome Account

6.00%

Locker Deposit

6.00%

Provident Fund Other

6.00%

Sadharan Bachat

6.00%

Bal Bhawishya Yojana

6.00%

Sahayatra Bachat Khata
(Interest Posting Frequency - Monthly/Quarterly Interest Posting)

8.00%

Lumbini Talab Khata

6.00%

Samajik Surkshya Bachat

6.00%

Remittance Bachat Khata

9.00%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 3.00%

Recurring Deposit

6.00%

Akshyaya Kosh

Negotiable

 

 

Fixed Deposit

(Interest Posting Frequency

- Monthly/Quarterly/at Maturity)

3 Months &  Below 1 Year 

 

 

 

Individual

 10.50%

1 Year & Above

 10.60%

Lumbini Sahayatra Muddhati Khata
(1 Year Only) 

 10.60%

Lumbini Multiple Dhamaka Khata 10.60%

Lumbini Multiple Dhamaka Khata 

Remittance Deposit

11.60%

Remittance Deposit

11.60%

6 Months & Below 1 Year

 

 

 

Institutional

 

8.50%
1 Year & Above 8.60%
Lumbini Multiple Dhamaka Khata 8.60%

Lumbini Multiple Dhamaka

Fold   

For Individual Customer                                

For Individual Customer(Remittance)

For Institutional Customer

2 x 6 years, 11 months and 4 days 6 years, 4 months and 1 days 8 years, 7 months and 2 days
3 x 11 years, 0 months and 0 days 10 years, 1 months and 0 days 13 years, 6 months and 2 days
4 x 13 years, 10 months and 4 days 12 years, 8 months and 3 days 17 years, 1 months and 0 days
5 x 16 years, 1 months and 0 days 14 years, 9 months and 3 days 19 years, 10 months and 4 days
6 x 17 years, 11 months and 4 days 16 years, 5 months and 2 days 22 years, 1 months and 0 days
7 x 19 years, 5 months and 2 days 17 years, 9 months and 3 days 23 years, 11 months and 4 days
8 x 20 years, 9 months and 3 days 19 years, 0 months and 0 days 25 years, 7 months and 2 days
9 x 21 years, 11 months and 4 days 20 years, 1 months and 0 days 27 years, 0 months and 0 days
10 x 23 years, 0 months and 0 days 21 years, 0 months and 0 days 28 years, 4 months and 1 days

 

 

CREDIT PRODUCT
Floating Interest Rate

Credit Products

Tenure

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

Agro Plus Loan (TL/OD/DL)

 

Base Rate + Premium (2% to 4.5%)

 

Auto Loan

Up to 3 Years

Base Rate + Premium (2% to 4.5%)

Above 3 Years & upto 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years

Base Rate + Premium (2% to 4.5%)

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Premium (2% to 4.5%)

Above 3 Years & up to 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years

Base Rate + Premium (2% to 4.5%)

Business Plus Loan (OD/DL/TL)

 

Base Rate + Premium (2% to 4.5%)

Comfort Loan

 

Base Rate + Premium (2% to 4.5%)

Education Loan

 

Base Rate + Premium (2% to 4.5%)

Foreign Employment Loan

 

Base Rate + Premium (2% to 4.5%)

Personal Loan (OD/TL)

  Base Rate + Premium (2% to 4.5%)

Real Estate Loan (OD/DL/TL)

 

Base Rate + Premium (2% to 4.5%)

 

Home Loan

Up to 5 Years

Base Rate + Premium (2% to 4.5%)

Above 5 Years & Up to 10 Years

Base Rate + Premium (2% to 4.5%)

Above 10 Years & Up to 15 Years

Base Rate + Premium (2% to 4.5%)

Above 15 Years

Base Rate + Premium (2% to 4.5%)

Margin Lending Loan

 

Base Rate + Premium (2% to 4.5%)

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Premium (2% to 4.5%)

Two Wheeler Loan

 

Base Rate + Premium (2% to 4.5%)

Deprived Sector Loan (OD/TL)

 

Base Rate + Premium (2% to 4.5%)

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

 

As per Management Decision

Loan against FDR/NSB/DB

 

Up to 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)