Interest Rate

  • Interest Rate

Deposit Products

Effective From: 15th March 2026 (०१ चैत्र २०८२)

1. Fixed Deposits (FD)

S.N. Particulars Individual Remittance FD Institutional
1.13 months3.00%4.00%–
1.23 months to 6 months3.50%4.50%3.00% (6 month)
1.3Above 6 months to 1 Year4.10%5.10%3.50%
1.4Above 1 Year to 2 Years4.50%5.50%3.90%
1.5Above 2 Years to 3 Years5.50%6.50%4.90%
1.6Above 3 Years5.75%5.75%5.15%
Interest Payment Monthly / Quarterly


2. Savings Deposits

S.N. Particulars Interest (p.a.) Minimum Balance (Rs.)
2.1Home Savings3.00%–
2.2Griha Laxmi Savings3.10%100
2.3Senior Citizen Savings3.10%100
2.4Shareholding Savings3.10%100
2.5General Savings3.00%100
2.6Children Savings3.10%100
2.7Super Savings3.10%1,000
2.8NRN Savings3.10%100
2.9Best Savings3.10%1,000
2.10Talab Bachat Khata3.90%100
2.11Best Staff Salary Savings4.75%–
2.12Green Savings4.75%2,000
2.13Best Remittance Savings5.75%5,000

Savings accounts other than those mentioned above, with a minimum balance of Rs.100, will have an annual interest rate of 3%.


3. Call Deposit Accounts

S.N. Particulars Interest (p.a.) Minimum Balance (Rs.)
3.1Call Deposit AccountsUp to 1.50%1,000


Loan 

S.N. Particulars Interest Rate
1.1 Loan against Fixed Deposit Coupon rate / Base rate + up to 2% p.a. (as per agreed term)
1.2 Consortium Loan As per the Consortium decision
1.3 Other Loan Base rate + up to 5% premium
Average Base Rate 8.89%


2. Fixed Interest Rate Loans (Individual)

S.N. Loan Type Up to 5 Years Up to 10 Years Up to 15 Years
2.1 Home Loan 12.50%12.90%13.00%
2.2 Other Loan 12.50%12.90%13.00%
2.3 Auto Loan 12.50% p.a. (Maximum 7 years)

Note: The interest rate for loans of the same nature shall not differ by more than 2%.