गरिमा विकास बैंकको निक्षेप तथा कर्जाको ब्याजदरGarima Bikas Bank Deposit and Loan Interest Rates

INTEREST RATES OF DEPOSIT & LOAN PRODUCTS

Effective from 2083.04.01 (July 17, 2026)

A. Deposit Products

1. Call, Current & Saving Products

S. No. Account Name Minimum Balance (Rs.) Interest Rate(% p.a.)

1 Current Account* 5,000.00 0

2 Margin Account N/A 0

3 Call Account (Corporate/Financial Institution) - Up to 1.37

4 Anibarya Bachat Khata - 2.75

5 Home Employee Saving Account - 2.75

6 Janakalyan Bachat Khata - 2.75

7 Mero Share Bachat Khata**	500.00	3.75
8 Garima Five in One Bachat Khata	1,000.00	3.00
9 Super Saving	5,000.00	2.75

10 Staff Saving - 2.75

11 General Savings Account	500.00	2.75
12 Garima Shuva Lava Saving Account	10,000.00	2.95
13 Garima Dampati Saving Account	10,000.00	2.95
14 Foreign Remittance Saving Account	1,000.00	4.75
15 Sworojgar Bachat Khata	500.00	2.75
16 Foreign Employment IPO Account	1,000.00	4.75

17 Garima PMS Account - 3.75

18 Garima Green Saver Saving Account** 500.00 3.75

19 Garima Surakshit Talab Khata - 2.75

20 All Other Saving Account Products 100.00 2.75

21 FCY Saving Deposit $10 2.75

** No new accounts shall be accepted from Shrawan 1st, 2083 for the deposit product.

2. Fixed Deposit Products

Category Account Name Tenure Interest Payment Frequency Interest Rate (% p.a.)

Individuals Fixed Deposit	3	2	2.75
Fixed Deposit	2	3	3.00
Fixed Deposit	3	5	4.00

Fixed Deposit 5 Years and Above Quarterly 4.59

Sunaulo Bhabisya Baal Nikchhep Yojana - Quarterly 2.75

Recurring Deposit - Quarterly 2.75

Garima Swornim Nikchhep Yojana - Quarterly 2.75

Garima Surakshit Nikchhep Yojana** - Quarterly 2.75

Garima Surakshit Nikchhep Yojana** - Maturity 2.75

Institutions Fixed Deposit	6	3	2.75
Fixed Deposit	3	5	3.00

Fixed Deposit 5 Years and Above Quarterly 4.00

*Minimum balance of Rs. 500 only to customers doing transactions through electronic medium.

**Conditions applied

3. FCY Deposits

Account Name Tenure Interest Payment Frequency Interest Rate (% p.a.)

Fixed Deposit More than 6 Months Quarterly 4.00

B. Interest Rate on Loan & Advances

S. No. Name of the Loan Product Proposed Premium % over Base Rate (p.a.)

1 Hire Purchase Loan 2.00% to 4.00%

2 Auto Loan 1.00% to 3.00%

3 Business Term Loan/SME Term Loan / Permanent Working Capital 1.00% to 3.00%

4 Business Loan/SME Loan (Cash Credit) 0.50% to 2.50%

5 Education Loan 1.00% to 3.00%

6 Housing Loan 1.00% to 3.00%

7 Personal Loan/Professional Loan 2.50% to 4.50%

8 Agriculture Loan 1.00% to 3.00%

9 Real Estate Loan 1.00% to 3.00%

10 Loan against Share 1.00% to 3.00%

11 Bridge Gap Loan 2.00% to 4.00%

12 Deprived Sector Lending 2.00% to 4.00%

13 Gold Loan 2.00% to 4.00%

14 Mortgage Loan 1.50% to 3.50%

15 Garima Aawas Karja 1.00% to 3.00%

16 Microfinance Wholesale Lending Up to 2.00%

17 Force Loan 5.00%

Base Rate as of Jestha 2083 5.24%

S.No. Name of Product Interest Rate (% p.a.)

1 Loan Against Fixed Deposit Coupon Rate + Premium up to 2%

2 Consortium Loan As per Consortium Agreement

C. Fixed Rate (p.a.)

Particulars Up to 7 years 7-10 years 10-15 years Above 15 Years

Home Loan/SME Loan 11.99% to 13.25% 11.99% to 13.50% 11.99% to 13.75% 11.99% to 13.99%

Hire Purchase/ Auto Loan 15.25% to 16.00% 15.25% to 16.00% - -

Personal Term/ Mortgage/ Demand Loan 14.00% to 15.75% 14.25% to 16.00% 14.50% to 16.00% 14.75% to 16.00%

Notes:

1. For Remittance Fixed Deposit, 1% additional rate shall be provided.

2. Interest Rate on Credit Card shall be as per Standard Tariff Charges.