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
