महालक्ष्मी विकास बैंकको निक्षेप र कर्जाको नयाँ ब्याजदर (२०८३ आषाढ १ गतेदेखि लागू)Mahalaxmi Bikas Bank's New Deposit and Loan Interest Rates (Effective from 1st Asadh, 2083)

Interest Rates (p.a.)

Effective from : June 15, 2026 (1st Asadh, 2083)

Deposit

A. Savings Accounts

Interest Rate (p.a.) Minimum Balance (NPR) Interest Payment

Mahalaxmi Remittance Bachat ३.८०% १०० Quarterly

Mahalaxmi Sambriddhhi Bachat २.८०% १०० Quarterly

Staff Salary Account २.८०% - Quarterly

Mahalaxmi Dollar Account (Saving/Fixed) २.८०% - Quarterly

Mahalaxmi PMS Khata २.७५% - Monthly

Mahalaxmi Karmachari Bachat Khata २.७५% १०० Quarterly

Mahalaxmi Investor's Share Saving Account (All in One) २.७५% - Quarterly

Mahalaxmi Grihalaxmi Bachat २.७५% १०० Quarterly

Mahalaxmi Student Saving Account २.७५% १०० Quarterly

Mahalaxmi Jestha Nagarik Bachat २.७५% १०० Quarterly

Mahalaxmi Baal Bachat Khata २.७५% १०० Quarterly

Mahalaxmi Bhukampa Pidit Account २.७५% - Quarterly

Mahalaxmi Samajik Surakshya Account २.७५% - Quarterly

Mahalaxmi Online Saving २.७५% - Quarterly

Margin Locker Account २.७५% १००० Quarterly

Mahalaxmi Normal Saving Account २.७५% ५१ Quarterly

B. Recurring Deposit

Recurring Deposit Account: Interest Rate (p.a.) Payment Frequency

Mahalaxmi Kramik Bachat Khata ३.००% Quarterly

Mahalaxmi Baal Bachat Recurring Deposit Account ३.००% Quarterly

C. Fixed Deposit Accounts

1. Individual Fixed Deposit

Fixed Deposit Account: Interest Rate (p.a.) (In Person) Interest Rate (p.a.) (Through Mahalaxmi Smart Sathi-Mobile App) Payment Frequency

1 Year to below 2 Years ३.००% ३.२५% Quarterly

2 Years to below 3 Years ३.५०% ३.७५% Quarterly

3 Years to below 5 Years ४.००% ४.२५% Quarterly

5 Years and above ४.९५% Not Applicable Quarterly

2. Institutional Fixed Deposit

Fixed Deposit Account: Interest Rate (p.a.) Payment Frequency

1 Year to below 2 Years २.७५% Quarterly

2 Years to below 3 Years ३.००% Quarterly

3 Years to below 5 Years ३.५०% Quarterly

5 Years and above ३.८०% Quarterly

3. Akshaya Kosh

Interest Rate (p.a.) Payment Frequency

Negotiable Quarterly

*The maturity period of FD should not exceed more than 10 years.

*The minimum fixed deposit amount should not be less than NPR १०,०००.

D. Loan & Advances

Interest Rate (p.a.)

Business OD/Industrial OD/ Working Capital/ Short Term Loan Base rate + upto ३.७५%

Business / Industrial Term Loan Base rate + upto ३.७५%

Mahalaxmi Udhyamshil Karja/Other Business Loan Base rate + upto ३.७५%

Auto Loan Base rate + upto ३.७५%

Hire Purchase Loan Base rate + upto ३.७५%

Education Loan Base rate + upto ३.७५%

Home Loan Base rate + upto ३.७५%

Gold and Silver Loan Base rate + upto ३.७५%

Loan Against Shares Base rate + upto ३.७५%

Deprived Sector Loan (Institutional) Negotiable

Deprived Sector Loan (Individual) Base rate + upto ३.७५%

Agriculture Loan (Term/OD) Base rate + upto ३.७५%

Personal Loan(Term/OD)/Home Equity Loan Base rate + upto ३.७५%

Other Loan Base rate + upto ३.७५%

Loan Against Fixed Deposit (Own) Coupon Rate +२%

Loan Against Government / NRB Securities Coupon Rate +२%

Consortium Loan As per Consortium Decision

Base rate (Average) ५.७७%

Base Rate (Baisakh २०८३) ५.६८%

Interest Spread ४.२०%

Home Loan (Fixed Rate for 7 Years) ६.९९%

SME Revolving Loan ६.९९%

Auto Loan (Private)

Upto 5 Years of Tenure ७.४९%

Upto 7 Years of Tenure ७.९९%

Notes:

* Penal will be charged as per the NRB circular.

* Customer availing personal term loan above 1 year tenure will have option to choose between fixed and floating rate.

* Call Deposit interest rate shall be as per the Nepal Rastra Bank guidelines.

* The bank has applied loan interest rates within the framework of Nepal Rastra Bank's directives.