ज्योति विकास बैंकको २०८३ आषाढ १ गतेदेखि लागू हुने नयाँ ब्याजदरJyoti Bikas Bank's New Interest Rates Effective from Ashadh 01, 2083
- वर्ग:Category:
- Interest Rates
- प्रकाशित मिति:Published:
- Published on June 14, 2026
Interest Rates
Effective from Ashadh ०१, २०८३ (June १५, २०२६)
Interest Rates on Deposits (p.a. on daily basis)
Fixed Deposits
Individual Institutional
३ Months २.७५% -
६ Months to below ३ Year २.७५% २.७५%
३ Years to below ५ Years २.७५% २.७५%
५ Years and above ४.६६% २.७५%
Recurring Deposit
Product Name Minimum Monthly Balance (NPR) Interest Rate (% p.a.)
Jyoti Recurring Deposit ५०० २.७५%
Jyoti Dui Guna Deposit
Product Name Tenure Interest Rate
Jyoti Dui Guna (Individual) १४ Years ११ Months ४.६६%
Call Deposit
Up to १.३७५%
Saving Deposits
Minimum Balance (NPR) Interest Rate (% p.a.)
Jyoti Bumper Saving Account १ २.७५%
Jyoti Premium Savings Account १०,००० २.७५%
Jyoti Salary Savings Account ० २.७५%
Sawari Chalak Surakshya Khata १०० २.७५%
Jyoti Ansiyar Bachat Khata १०० २.७५%
Jyoti ASBA Bachat Khata १ २.७५%
Jyoti Dampati Bachat Yojana ५,००० २.७५%
Jyoti Bal Bachat Khata १०० २.७५%
Jyoti Jestha Nagarik Khata ५०० २.७५%
Jyoti Samridhi Bachat Khata ० २.७५%
Hamro Surakshit Bachat Khata ३,००० २.७५%
Micro Finance Saving १०० २.७५%
Bhukampa Pidit Khata ० २.७५%
Remittance Khata ० २.७५%
Nari Samman Bachat Khata १,००० २.८०%
Muwabja Bachat Khata ० २.७५%
Staff Saving Account ० २.७५%
Smajik Surakshya Khata ० २.७५%
Jyoti Smart Savings Account ० २.७५%
Super Smart Savings Account १५ २.७५%
Foreign Currency Deposit
Minimum Balance Interest Rate (% p.a.)
Call Deposit - १.००%
Saving Deposit - २.००%
Fixed Deposit - ३.००%
*Rate for Remittance Deposit : Additional Minimum १%
Loan and Advances (p.a. on daily basis)
Floating Loan and Advances
Premium over base rate (% p.a.)
(p.a. on daily basis) (As per category of Internal Risk Grading Guideline)
Loan Products Risk Grade A Risk Grade B Risk Grade C&D
Business Loan (Corporate / SME) १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Home Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Private Auto Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
Education Loan १.००% - ३.००% ३.०१% - ३.५०% ३.५१% - ५.००%
H.P. Loan Commercial २.००% - ३.५०% ३.५१% - ५.००% ३.५१% - ५.००%
Personal Loan (Term / OD) २.०१% - ३.५०% ३.५१% - ४.००% ४.०१% - ५.००%
Real Estate Loan - ३.५०% - ४.००% ४.०१% - ५.००%
Loan Against Shares (Fresh) - २.५०% - ४.५०% -
Professional Loan - ३.००% - ५.००% -
Gold Loan - ३.००% - ५.००% -
Deprived Sector Loan - up to २.००% -
Loan to Microfinance (Wholesale Lending) - up to २.००% -
Loan Against Fixed Deposit - Coupon rate + up to २.००% -
Fixed Loan and Advances (p.a. on daily basis)
Jyoti Auto Loan ८.४९%
Jyoti Ghar Karja ८.४९%
Avg. Base Rate
(Falgun २०८२ to Baishak २०८३) ५.८४%
Consortium Financing As per Consortium Decision but not less than Base Rate
Interest Rates
Effective from Ashadh 01, 2083 (June 15, 2026)
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 4.66% 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 Tenure Interest Rate
Jyoti Dui Guna (Individual) 14 Years 11 Months 4.66%
Call Deposit
Up to 1.375%
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%
Sawari Chalak Surakshya Khata 100 2.75%
Jyoti Ansiyar Bachat Khata 100 2.75%
Jyoti ASBA Bachat Khata 1 2.75%
Jyoti Dampati 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%
Smajik Surakshya Khata 0 2.75%
Jyoti Smart Savings Account 0 2.75%
Super Smart Savings Account 15 2.75%
Foreign Currency Deposit
Minimum Balance Interest Rate (% p.a.)
Call Deposit - 1.00%
Saving Deposit - 2.00%
Fixed Deposit - 3.00%
*Rate for Remittance Deposit : Additional Minimum 1%
Loan and Advances (p.a. on daily basis)
Floating Loan and Advances
Premium over base rate (% p.a.)
(p.a. on daily basis) (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% 4.01% - 5.00%
Real Estate Loan - 3.50% - 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%
Avg. Base Rate
(Falgun 2082 to Baishak 2083) 5.84%
Consortium Financing As per Consortium Decision but not less than Base Rate