Interest Rates (Per Annum)
Effective from Kartik 01, 2083 (October 18, 2026)
DEPOSIT
PRODUCT TYPE MINIMUM BALANCE INTEREST RATE INTEREST POSTING FREQUENCY
Loan Operating, Current A/c 0 to 5000 - NA
CALL DEPOSIT
Co-Ops Call Account 1000 Up to 1.37% Quarterly
BFI Call Account 5000 Up to 1.37% Quarterly
Corporate Call A/C 100 Up to 1.37% Quarterly
Call Account Others 100 Up to 1.37% Quarterly
Special Call A/c 5000 Up to 1.37% Quarterly
SAVING DEPOSIT
Staff Saving Account - 2.75% Quarterly
Normal Saving Account - 2.75% Quarterly
Bal Bhabishya Bachat Khata 100 2.75% Quarterly
Pewa Bachat Khata 100 2.75% Quarterly
Nari Bachat Khata 100 2.75% Monthly
Jestha Nagarik Bachat Khata 500 2.75% Monthly
Gurkha Saving Account 500 2.75% Quarterly
Salary Saving Account 500 2.75% Quarterly
Shareholder Saving Account 100 2.75% Quarterly
Shangri-la Super Premium Bachat 1000 2.75% Quarterly
Bidharthi Bachat Khata - 2.75% Quarterly
Group Saving-MF Account - 2.75% Quarterly
Personal Saving-MF Account - 2.75% Quarterly
Micro Finance Saving Account 5000 2.75% Quarterly
Karmachari Sulav Bachat Khata - 2.75% Quarterly
Recurring Account 100 2.75% Quarterly
Samajik Surakchya Bachat Khata - 2.75% Quarterly
Shangri-la Samriddhi Bachat Khata 5000 2.75% Monthly
Shangri-la Pay roll Account - 2.75% Monthly
Shangrila Naulo Bachat Account 5000 2.75% Monthly
Mero Shangri-la Bachat Khata 5000 2.75% Quarterly
Shangri-la Uchhatam Bachat Khata 5000 2.75% Quarterly
Swornim Nari Bachat Khata 1000 2.75% Quarterly
Shangri-la Green Saving Account 500 2.75% Quarterly
Surakshit Bal Bachat Khata 1000 2.75% Quarterly
Buddha Bhumi Bachat Khata 5000 2.75% Quarterly
Sunaulo Remittance Account 100 3.75% Quarterly
FIXED DEPOSIT
Individual
Period Interest Rate (Monthly/Quarterly/Maturity)
3 Months to 1 Year 2.75%
Above 1 Year to 3 Years 3.00%
Above 3 Years to 5 Years 3.50%
Above 5 Years 4.28%
Remittance FD 1% additional on above FD interest rates as per time period.
Institutional
Period Interest Rate (Quarterly/ Maturity)
6 Months and Above 2.75%
LOAN (Base Rate+ Premium Rate)
INDIVIDUAL LOAN PREMIUM RATE
Personal OD Up to 3.99%
Easy Term Up to 3.99%
Home Loan Up to 3.99%
Hire Purchase Loan Up to 3.99%
Share/Security Loan Up to 3.99%
Guarantee Loan Up to 3.99%
Gold And Silver Loan Up to 3.99%
Foreign Employment Up to 3.99%
Education Loan Up to 3.99%
Auto Loan - Private Up to 3.99%
Personal Demand Loan Up to 3.99%
Loan Against FDR Coupon Rate + 3%
CORPORATE LOAN
Business OD Up to 3.99%
Term Loan Up to 3.99%
Vehicle Loan Up to 3.99%
SME Loan - OD Up to 3.99%
SME Loan - Term Up to 3.99%
Demand Loan Up to 3.99%
Agriculture Loan -OD Up to 3.99%
Agriculture Loan -Term Up to 3.99%
Industry Loan - OD Up to 3.99%
Industry Loan - Term Up to 3.99%
Energy Loan - OD Up to 3.99%
Energy Loan - Term Up to 3.99%
Tourism Loan - OD Up to 3.99%
Tourism Loan - Term Up to 3.99%
Real Estate Loan - OD Up to 3.99%
Real Estate Loan - Term Up to 3.99%
Bridge Gap Loan Up to 3.99%
DEPRIVED SECTOR LOAN
Deprived - General Up to 4.99%
Seasonal Loan Up to 4.99%
Micro Enterprise Up to 4.99%
Low - Cost Housing Up to 4.99%
Deprived Loan- Other Up to 4.99%
Micro Hydro Up to 4.99%
Wholesale Lending Up to 2%
Consortium Loan As per Agreement
FIXED RATE FOR PERSONAL TERM LOAN
Up to 7 Years 10.99%
Deprived Sector Loans: In case of deprived sector loans to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, War Victim, Single Women and differently abled people, Interest rate below 1% than the published rate shall be applicable.
As of Bhadra End 2083 Base Rate: 5.62%
Note: Interest Rate of Loans and Advances shall be Average Base Rate Plus Premium Rate.
