गरिमा विकास बैंकको निक्षेप तथा कर्जा उत्पादनको ब्याजदरGarima Bikas Bank Deposit and Loan Product Interest Rates
- वर्ग:
- Interest Rates
- प्रकाशित मिति:
- Published on June 14, 2026
- जारीकर्ता:
- NEPSE Trading
- पढ्ने समय:
- 2 मिनेट
निक्षेप तथा कर्जा उत्पादनको ब्याजदर
२०८३.०३.०१ (जुन १५, २०२६) देखि लागू
क. निक्षेप उत्पादनहरू
१. कल, चालु र बचत उत्पादनहरू
क्र.सं. खाताको नाम न्यूनतम मौज्दात (रु.) ब्याजदर (% प्रति वर्ष)
१ चालु खाता* 5,000.00 0
२ मार्जिन खाता N/A 0
३ कल खाता (कर्पोरेट/वित्तीय संस्था) - Up to 1.37
४ अनिवार्य बचत खाता - 2.75
५ घर कर्मचारी बचत खाता - 2.75
६ जनकल्याण बचत खाता - 2.75
७ मेरो शेयर बचत खाता 500.00 3.75
८ गरिमा फाइभ इन वन बचत खाता 1,000.00 3.00
९ सुपर बचत 5,000.00 2.75
१० कर्मचारी बचत - 2.75
११ साधारण बचत खाता 500.00 2.75
१२ गरिमा शुभा लाभ बचत खाता 10,000.00 2.95
१३ गरिमा दम्पती बचत खाता 10,000.00 2.95
१४ विदेशी विप्रेषण बचत खाता 1,000.00 4.75
१५ स्वरोजगार बचत खाता 500.00 2.75
१६ वैदेशिक रोजगार आईपीओ खाता 1,000.00 4.75
१७ गरिमा पीएमएस खाता - 3.75
१८ गरिमा ग्रीन सेभर बचत खाता 500.00 3.75
१९ गरिमा सुरक्षित तलब खाता - 2.75
२० अन्य सबै बचत खाता उत्पादनहरू 100.00 2.75
२१ एफसीवाई बचत निक्षेप $10 2.75
२. मुद्दती निक्षेप उत्पादनहरू
वर्ग खाताको नाम अवधि ब्याज भुक्तानी आवृत्ति ब्याजदर (% प्रति वर्ष)
| - मुद्दती निक्षेप | 3 | 6 | 2.75 |
| - मुद्दती निक्षेप | 6 | 1 | 2.75 |
| - मुद्दती निक्षेप | 1 | 3 | 3.00 |
| - मुद्दती निक्षेप | 3 | 5 | 5.00 |
- मुद्दती निक्षेप 5 Years and Above त्रैमासिक 5.43
व्यक्तिगत सुनौलो भविष्य बाल निक्षेप योजना - त्रैमासिक 3.00
व्यक्तिगत आवर्ती निक्षेप - त्रैमासिक 3.00
व्यक्तिगत गरिमा स्वर्णिम निक्षेप योजना - त्रैमासिक 3.00
Institutions
Garima Surakshit Nikchhep Yojana** Quarterly 2.75
Garima Surakshit Nikchhep Yojana** Maturity 3.00
| Fixed Deposit | 6 | 1 | 2.75 |
| Fixed Deposit | 1 | 3 | 2.75 |
| Fixed Deposit | 3 | 5 | 4.00 |
Fixed Deposit 5 Years and Above Quarterly 4.45
*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 Baisakh 2083 5.23%
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:
1. For Remittance Fixed Deposit, 1% additional rate shall be provided.
2. Interest Rate on Credit Card shall be as per Standard Tariff Charges.
INTEREST RATES OF DEPOSIT & LOAN PRODUCTS
Effective from 2083.03.01 (June 15, 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
2. Fixed Deposit Products
Category Account Name Tenure Interest Payment Frequency Interest Rate (% p.a)
| - Fixed Deposit | 3 | 6 | 2.75 |
| - Fixed Deposit | 6 | 1 | 2.75 |
| - Fixed Deposit | 1 | 3 | 3.00 |
| - Fixed Deposit | 3 | 5 | 5.00 |
- Fixed Deposit 5 Years and Above Quarterly 5.43
Individuals Sunaulo Bhabisya Baal Nikchhep Yojana - Quarterly 3.00
Individuals Recurring Deposit - Quarterly 3.00
Individuals Garima Swornim Nikchhep Yojana - Quarterly 3.00
Institutions
Garima Surakshit Nikchhep Yojana** Quarterly २.७५
Garima Surakshit Nikchhep Yojana** Maturity ३.००
| Fixed Deposit | 6 | 1 | २.७५ |
| Fixed Deposit | 1 | 3 | २.७५ |
| Fixed Deposit | 3 | 5 | ४.०० |
Fixed Deposit 5 Years and Above Quarterly ४.४५
*Minimum balance of Rs. ५०० 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 ४.००
B. Interest Rate on Loan & Advances
S. No. Name of the Loan Product Proposed Premium % over Base Rate (p.a.)
१ Hire Purchase Loan २.००% to ४.००%
२ Auto Loan १.००% to ३.००%
३ Business Term Loan/SME Term Loan / Permanent Working Capital १.००% to ३.००%
४ Business Loan/SME Loan (Cash Credit) ०.५०% to २.५०%
५ Education Loan १.००% to ३.००%
६ Housing Loan १.००% to ३.००%
७ Personal Loan/Professional Loan २.५०% to ४.५०%
८ Agriculture Loan १.००% to ३.००%
९ Real Estate Loan १.००% to ३.००%
१० Loan against Share १.००% to ३.००%
११ Bridge Gap Loan २.००% to ४.००%
१२ Deprived Sector Lending २.००% to ४.००%
१३ Gold Loan २.००% to ४.००%
१४ Mortgage Loan १.५०% to ३.५०%
१५ Garima Aawas Karja १.००% to ३.००%
१६ Microfinance Wholesale Lending Up to २.००%
१७ Force Loan ५.००%
Base Rate as of Baisakh २०८३ ५.२३%
S.No. Name of Product Interest Rate (% p.a.)
१ Loan Against Fixed Deposit Coupon Rate + Premium up to २%
२ Consortium Loan As per Consortium Agreement
C. Fixed Rate (p.a.)
Particulars Up to ७ years ७-१० years १०-१५ years Above १५ Years
Home Loan/SME Loan ११.९९% to १३.२५% ११.९९% to १३.५०% ११.९९% to १३.७५% ११.९९% to १३.९९%
Hire Purchase/ Auto Loan १५.२५% to १६.००% १५.२५% to १६.००% - -
Personal Term/ Mortgage/ Demand Loan १४.००% to १५.७५% १४.२५% to १६.००% १४.५०% to १६.००% १४.७५% to १६.००%
Notes:
१. For Remittance Fixed Deposit, १% additional rate shall be provided.
२. Interest Rate on Credit Card shall be as per Standard Tariff Charges.
