आई.सि.एफ.सि. फाइनान्सको नयाँ व्याजदर प्रकाशनICFC Finance Interest Rate Notice
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on October 16, 2026
आई.सि.एफ.सि. फाइनान्स लिमिटेड
INTEREST RATE
Effective from 1st Kartik, 2083 (18th October, 2026)
Interest Rate of Fixed Deposit
Particular Interest Rate (% p.a.)
Individual
1 Year to below 2 Years 3.60
2 Years to below 5 Years 4.00
5 Years & above 5.00
Recurring Deposit 3.60
Remittance Individual Normal FD Rate + 1%
Institutional
1 Year to below 3 Years 2.75
3 Years to below 5 Years 3.00
5 Years & above 4.00
Saving Deposit 2.75-3.25
Remittance Saving Deposit Normal Rate + 1%
Call Account Max up to 1.37%
Floating Rate of Loan & Advances Average Base rate + Premium
Premium for Floating Rates of Loan & Advances*
Particular Minimum(%) Maximum(%)
| Working Capital Loan | 1.50 | 3.50 |
| Business Term Loan | 1.50 | 3.25 |
| Personal Loan -Term/OD | 1.50 | 3.25 |
| Margin/Share Loan | 1.00 | 3.00 |
| Hire purchase loan- Auto | 1.00 | 3.00 |
| Hire purchase loan- Auto (Commercial) | 1.50 | 3.50 |
| Hire purchase loan- Bike/other | 2.00 | 4.00 |
| Deprived Sector- other | 1.50 | 3.50 |
| Housing Loan | 1.00 | 3.00 |
Loan Against Government Securities Coupon rate + upto 2% or Base Rate + Premium up to 2% whichever is higher
Deprived Sector- MFI's Upto 2%
Loan Against Own FDR Coupon rate + upto 2% or Base Rate + Premium up to 2%
Fixed Interest Rate of Loan & Advances (%P.a.)
| Particular | Up to 5 Yrs | Up to 10 Yrs |
|---|---|---|
| Home Loan/Hire purchase loan (Personal) | 7.99 | 8.50 |
| Business term loan/Other Retail Loan | 8.50 | 8.75 |
| Hire Purchase Loan( Commercial) | 8.50 | 8.99 |
| Base Rate(BR) as on Bhadra | 2083 | 5.82 |
| Average Base Rate as on Bhadra | 2083 | 5.79 |
* Conditions Apply
Interest rates on consortium loans shall be as decided by consortium meetings.
ICFC Finance Limited
INTEREST RATE
Effective from 1st Kartik, 2083 (18th October, 2026)
Interest Rate of Fixed Deposit
Particular Interest Rate (% p.a.)
Individual
1 Year to below 2 Years 3.60
2 Years to below 5 Years 4.00
5 Years & above 5.00
Recurring Deposit 3.60
Remittance Individual Normal FD Rate + 1%
Institutional
1 Year to below 3 Years 2.75
3 Years to below 5 Years 3.00
5 Years & above 4.00
Saving Deposit 2.75-3.25
Remittance Saving Deposit Normal Rate + 1%
Call Account Max up to 1.37%
Floating Rate of Loan & Advances Average Base rate + Premium
Premium for Floating Rates of Loan & Advances*
Particular Minimum(%) Maximum(%)
| Working Capital Loan | 1.50 | 3.50 |
| Business Term Loan | 1.50 | 3.25 |
| Personal Loan -Term/OD | 1.50 | 3.25 |
| Margin/Share Loan | 1.00 | 3.00 |
| Hire purchase loan- Auto | 1.00 | 3.00 |
| Hire purchase loan- Auto (Commercial) | 1.50 | 3.50 |
| Hire purchase loan- Bike/other | 2.00 | 4.00 |
| Deprived Sector- other | 1.50 | 3.50 |
| Housing Loan | 1.00 | 3.00 |
Loan Against Government Securities Coupon rate + upto 2% or Base Rate + Premium up to 2% whichever is higher
Deprived Sector- MFI's Upto 2%
Loan Against Own FDR Coupon rate + upto 2% or Base Rate + Premium up to 2%
Fixed Interest Rate of Loan & Advances (%P.a.)
| Particular | Up to 5 Yrs | Up to 10 Yrs |
|---|---|---|
| Home Loan/Hire purchase loan (Personal) | 7.99 | 8.50 |
| Business term loan/Other Retail Loan | 8.50 | 8.75 |
| Hire Purchase Loan( Commercial) | 8.50 | 8.99 |
| Base Rate(BR) as on Bhadra | 2083 | 5.82 |
| Average Base Rate as on Bhadra | 2083 | 5.79 |
* Conditions Apply
Interest rates on consortium loans shall be as decided by consortium meetings.