RATE OF INTEREST
(Effective From 26th January 2010)
| DEPOSITS (NPR) | % per annum |
| Savings | 3 |
| Laxmi Savingd | 3.5 |
| Orange Savings | 4.5 |
| Junior Savings | 3.5
to 4.5 | | Super
Women Savings | 6.5 |
| Milijuli Bachat | 5
to 7 | | Green
Savings | 7.5 |
| |
| Fixed / Time Deposits
/ Investments | | 1
month | 6.5 to
7 | | 3
months | 7.5
to 8 | | 6
months | 9.5
to 10 | | 1
Year | 10.5 to
11 | | 2
Years | 11
to 11.5 | | My
Money Market Account | Upto
7 (On Daily Balance)* | | Structured
Large Value Deposits | Upto
11.5 | | Fixed / Time Deposits
(for individuals only) | | Cash
Flow FDs | 10 to 12* |
| Super Woman Gold
Deposit | 9.5 + Gold Coin
or 11 | | |
| DEPOSITS (USD) |
| USD Tier Based
Savings | 1.25 to 2.0 (On
Daily Balance) | | USD
Normal Savings | 1.25
(On Daily Balance) | | |
| LOANS & ADVANCES
(NPR) | | Overdraft / Cash Credit |
| Corporate / Multinational | 11
to 15 | | SMEs
/ Others | 12
to 16 | | Importer's Loans |
| Corporate / Multinational | 10
to 13 | | SMEs
/ Others | 11
to 14 | | Working Capital / Demand
/ Short Term Loans | | Corporate
/ Multinational | 11
to 15 | | SMEs
/ Others | 12
to 16 | | Term
Loans | 11 to
15 | | Supply
Finance | 13
to 16 | | Auto
Loans | 11
to 14 | | Home
Loans | 12 to
16 | | Home
Equity Loans | 13
to 17 | | Home
Equity Revolving Line of Credit | 14
to 17 | | Personal
(Medical / Education / Holiday / Consumer Durables, Social etc) Loans | 15
to 18 | | Micro
Finance – Wholesale | 8
to 11 | | Structured
Micro Finance | 10
to 13 | | Micro
Finance - Others | 14
to 18 | | Export
Loans | 11 to
14 | | Loans
Against Fixed Deposits | Min
2% above the FD rate | | Loans
Against Government Bonds | 10
to 14 | | Loans
Against First Class Bank Guarantee | 10
to 13 | | Loans
Against Marketable Securities | 13
to 17 | *
Conditions Apply | Note:
All Savings Accounts will receive interest quarterly on deposits above the stipulated
threshold balances, calculated on a Daily Basis. |
|
| Savings Products | Currency | Min
Balance | Int Rate Per Annum | Threshold Balance |
| Normal Savings (Outside Valley) | NPR |
1,000 | 3.00% |
5,000 | | Normal Savings
(Inside Valley) | NPR |
5,000 | 3.00% |
5,000 | | Student Savings | NPR |
Nil | 3.00% |
5,000 | | Investor Savings | NPR |
Nil | 3.50% |
5,000 | | Laxmi Savings | NPR |
50,000 | 3.50% |
50,000 | | Corporate
Staff Savings | NPR |
Nil | 3.50% | Nil |
| Personal Reserve Account | NPR |
Nil | 3.50% |
5,000 | | Orange Savings | NPR |
500,000 | 4.50% |
500,000 | | Gurkha Savings | NPR |
Nil | 3.5% - 4.5% |
5,000 | | Junior Savings | NPR |
2,000 | 3.5% - 4.5% |
5,000 | | Manakamana
Savings | NPR |
500 | 3.5% - 4.5% |
5,000 | | Super Woman
Savings | NPR |
500 | 6.50% |
5,000 | | Milijuli Bachat | NPR |
Nil | 5.0% - 7.0% |
5,000 | | Green Savings | NPR |
Nil | 7.50% |
5,000 | | Normal Savings | USD |
100 | 1.25% |
100 | | Gurkha Savings | USD |
Nil | 1.25% | Nil |
| Student Savings | USD |
Nil | 1.25% | Nil |
| Teir Based Savings | USD |
100 | 1.25% - 2.0% |
100 | | Normal Savings | EURO |
100 | 1.00% |
100 | | Normal Savings | GBP |
100 | 1.00% |
100 | | Gurkha Savings | GBP |
Nil | 1.00% | Nil |
| Student Savings | GBP |
Nil | 1.00% | Nil | | |
