ज्योति विकास बैंक लिमिटेडको नयाँ ब्याजदर प्रकाशन

Interest Rates

Effective from Ashwin 01, 2083 (September 17, 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 4.28% 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) 16 Years 3 Months 4.28%

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 (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) 0.10%	-	-	-
Home Loan 0.10%	-	-	-
Private Auto Loan 0.10%	-	-	-
Education Loan 0.10%	-	-	-
H.P. Loan Commercial 2.00%	-	-	-
Personal Loan (Term / OD) 2.00%	-	-	-
Real Estate Loan 2.00%	-	-	-
Loan Against Shares (Fresh)	-	-	-
Professional Loan	-	-	-
Gold Loan	-	-	-

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%

Avg. Base Rate (Jestha 2083 to Shrawan 2083) 5.74%

Consortium Financing As per Consortium Decision but not less than Base Rate