ज्योति विकास बैंकको नयाँ ब्याजदर (२०८३.०४.०१ देखि लागू)Jyoti Bikas Bank New Interest Rates (Effective from 2083.04.01)

Interest Rates

Effective from 2083.04.01 (2026/07/17)

Interest Rates on Deposits (p.a. on daily basis)

Fixed Deposits

Individual Institutional

3 Months 2.75% -

6 Months to Below 3 Year 2.75% 2.75%

3 Years to Below 5 Years 2.75% 2.75%

5 Years and above 4.59% 2.75%

Recurring Deposit

Product Name Minimum Monthly Balance (NPR) Interest Rate (% p.a.)

Jyoti Recurring Deposit 500 2.75%

Jyoti Dui Guna Deposit

Product Name Interest Rate Tenure

Jyoti Dui Guna (Individual) 4.59% 15 Years 2 Months

Call Deposit Up to 1.375% -

Saving Deposits

Saving Deposits Minimum Balance (NPR) Interest Rate (% p.a.)

Jyoti Bumper Saving Account 1 2.75%

Jyoti Premium Savings Account 10,000 2.75%

Jyoti Salary Savings Account 0 2.75%

Jyoti Sawari Chalak Surakshya Khata 100 2.75%

Jyoti Ansiyar Bachat Khata 100 2.75%

Jyoti ASBA Bachat Khata 1 2.75%

Jyoti Sampati Bachat Yojana 5,000 2.75%

Jyoti Bal Bachat Khata 100 2.75%

Jyoti Jestha Nagarik Khata 500 2.75%

Jyoti Samridhi Bachat Khata 0 2.75%

Hamro Surakshit Bachat Khata 3,000 2.75%

Micro Finance Saving 100 2.75%

Bhukampa Pidit Khata 0 2.75%

Remittance Khata 0 2.75%

Nari Samman Bachat Khata 1,000 2.80%

Muwabja Bachat Khata 0 2.75%

Staff Saving Account 0 2.75%

Samajik Surakshya Khata 0 2.75%

Jyoti Smart Savings Account 0 2.75%

Super Smart Savings Account 15 2.75%

Foreign Currency Deposit

Minimum Balance (NPR) Interest Rate (% p.a.)

Call Deposit - 1.00%

Saving Deposit - 2.00%

Fixed Deposit - 3.00%

*Rate for Remittance Deposit : Additional Minimum 1%

Floating Loan and Advances (p.a. on daily basis)

Premium over base rate (% p.a.)

(As per category of Internal Risk Grading Guideline)

Loan Products Risk Grade A Risk Grade B Risk Grade C&D

Business Loan (Corporate / SME) 1.00% - 3.00% 3.01% - 3.50% 3.51% - 5.00%

Home Loan 1.00% - 3.00% 3.01% - 3.50% 3.51% - 5.00%

Private Auto Loan 1.00% - 3.00% 3.01% - 3.50% 3.51% - 5.00%

Education Loan 1.00% - 3.00% 3.01% - 3.50% 3.51% - 5.00%

H.P. Loan Commercial 2.00% - 3.50% 3.51% - 5.00% 3.51% - 5.00%

Personal Loan (Term / OD) 2.01% - 3.50% 3.51% - 4.00% 3.51% - 5.00%

Real Estate Loan 2.01% - 3.50% 3.51% - 4.00% 4.01% - 5.00%

Loan Against Shares (Fresh) - 2.50% - 4.50% -

Professional Loan - 3.00% - 5.00% -

Gold Loan - 3.00% - 5.00% -

Deprived Sector Loan - up to 2.00% -

Loan to Microfinance (Wholesale Lending) - up to 2.00% -

Loan Against Fixed Deposit - Coupon rate + up to 2.00% -

Fixed Loan and Advances (p.a. on daily basis)

Jyoti Auto Loan 8.49%

Jyoti Ghar Karja 8.49%

Fixed Rate for Personal Natured Term Loan (Other) 8.99%

Average Base Rate (Chaitra 2082 to Jestha 2083)

5.81%

Consortium Financing

As per Consortium Decision but not less than Base Rate