Rate & Charges

Revised Interest Rate

Effective From Baishak 06, 2074 (19th April 2017)

Saving Deposits 

S.No Types of Account Interest Rate Accured Basis Min. Balance Interest Payment Frequency
1 Utkristha Saving  

6.00%

 

Daily Basis

 

Monthly

2 Jestha Nagarik Bachat
3 Salary Management Saving  

 

6.00%

 

 

Daily Basis

 

 

Quarterly

4 Shareholder Saving
5 Staff Saving Account
6 Zero Balance Account
7 Normal Saving  

 

6.00%

 

 

Daily Basis

 

 

100.00

 

 

Quarterly

8 Sajilo Bachat Khata
9 Nari Bachat
10 Bal Balika Bachat Khata
11 Group Saving
12 Super Saving  

 

 

6.00%

 

 

 

Daily Basis

 

 

 

1,000.00

 

 

 

Quarterly

13 Structured Saving
14 Nagarik Saving
15 Shuva Labha Bachat
16 Remittence Saving
17 Ex Army Saving
18 Specific Saving 6.00% Daily Basis    1,000.00 Monthly
19 Fewa General Saving 8.00% Daily Basis  10,000.00 Quarterly
20 Call Account BFI  

 

up to 6%

 

 

Daily Basis

 

 

5,000.00

 

 

Quarterly

21 Call Account Corporate
22 Call Account Individual
23 Current Account 5,000.00

Fixed Deposits

Tenure

Monthly

Quarterly

Yearly

On Maturity

3 Months to 9 Months 12.50%
1 Year 11.50% 11.75% 12.00% 12.00%
2 Years 10.25% 10.50% 10.75% 11.00%
3 to 5 Years 9.00% 9.50% 10.00% 10.50%
Above 5 Years Negotiable

Loan and Advance

S.N

Particulars

Interest Rate

1 Housing Loan
        1.1  Building Construction 12.00 – 17.00
        1.2  Land & Building Purchase 12.50 – 17.00
        1.3  Land Purchase 13.00 – 17.00
2 Personal Loan
        2.1   Below Rs.5 Million 14.00 – 17.00
        2.2   Rs 5 Million & Above 15.00 – 17.00
3 Term Loan 12.00 – 17.00
4 Hire Purchase Loan 12.50 – 17.00
5 Auto Loan 12.00 – 17.00
6 Overdraft Loan 12.00 – 16.50
7 Education Loan 13.00 – 17.00
8 Agriculture Loan 12.00 – 16.50
9 Foreign Employee Loan 13.50 – 16.50
10 Gold Loan 14.00 – 16.00
11 SME Loan 12.00 – 16.50
12 Easy Loan
        12.1    Below Rs.5 Million 14.00 – 17.00
        12.2   Rs 5 Million to 10 Million 15.00 – 17.00
13 Real Estate Loan 15.00 – 17.00
14 Deprived Sector Loan
         14.1   Group Based 19.00
         14.2  Collateral Based 15.00 – 17.00
15 Loan against FDR 11% or Plus 2%  whichever is Higher
16 Loan against Share 14.00 – 16.00
17 Consortium Lending As per Consortium Decision