Interest Rate

Interest Rate Effective from Magh 01, 2077 (January 14 , 2021)

 

DEPOSIT PRODUCT

Deposit Products

Interest Rate (% p.a.)

Normal Saving

2.75%

Check – In Saving

2.75%

Premium Saving

4.50%

Nari Bachat

2.75%

Bal Surakshya Bachat

2.75%

Senior Citizen Saving

2.75%

Shareholder’s Saving

2.75%

Welcome Account

2.75%

Locker Deposit

2.75%

Provident Fund Other

2.75%

Sadharan Bachat

2.75%

Bal Bhawishya Yojana

2.75%

Sahayatra Bachat Khata
(Monthly/ Quarterly Interest Posting)

4.50%

Lumbini Talab Khata

2.75%

FCY Deposit (USD/GBP/Euro)

1.00%

Call Account

Up to 1.37%

Recurring Deposit

2.75%

Akshyaya Kosh

Negotiable

 

Fixed Deposit

(Interest Posting Frequency- Quarterly)

3 Months

 

 

 

Individual

6.00 %

6 Months

6.50 %

1 Year & Up to 5 Years

7.50 %

Above 5 Years

7.75 %

Lumbini Sahayatra Muddhati Khata (1 Year Only)

7.50 %

1 Year and Above (Renewal)

Institutional

7.50%

1 Year and Above

6.75%

 

 

CREDIT PRODUCT
Floating Rate

Credit Products

Tenure

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

Agro Plus Loan (TL/OD)

 

Base Rate + Up to 4%

 

Auto Loan

Up to 3 Years

Base Rate + Up to 2%

Above 3 Years & up to 5 Years

Base Rate + Up to 3%

Above 5 Years

Base Rate + Up to 4%

 

Hire Purchase Loan

Up to 3 Years

Base Rate + Up to 3%

Above 3 Years & up to 5 Years

Base Rate + Up to 4%

Above 5 Years

Base Rate + Up to 5%

Business Plus Loan (OD/DL/TL)

 

Base Rate + Up to 4%

Comfort Loan

 

Base Rate + Up to 5%

Education Loan

 

Base Rate + Up to 3%

Foreign Employment Loan

 

Base Rate + Up to 3%

Personal Loan (OD/TL)

 

Base Rate + Up to 5%

Real Estate Loan (OD/DL/TL)

 

Base Rate + Up to 5%

 

Home Loan

Up to 5 Years

Base Rate + Up to 2%

Above 5 Years & Up to 10 Years

Base Rate + Up to 3%

Above 10 Years & Up to 15 Years

Base Rate + Up to 4%

Above 15 Years

Base Rate + Up to 5%

Margin Lending Loan

 

Base Rate + Up to 4%

Swarna Karja (Gold Loan) (OD/TL)

 

Base Rate + Up to 4%

Two Wheeler Loan

 

Base Rate + Up to 4%

Personal Loan (OD/TL)

 

Base Rate + Up to 5%

Deprived Sector Loan (OD/TL)

 

Base Rate + Up to 5%

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

12.50%

13.50%

Personal Loan (TL)

13.00%

14.00%

Comfort Loan

13.00%

14.00%

Education Loan

12.50%

13.50%

Two Wheeler

14.00%

13.50%

Auto Loan

12.50%

13.50%

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