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:
