Interest Rate

  • Interest Rate

Deposit Products

Effective From: 17th August 2026 (०१ भाद्र २०८३)

1. Fixed Deposits (FD)

S.N. Particulars Individual Remittance FD Institutional
1.13 months2.75%3.75%–
1.23 months to 6 months3.00%4.00%2.75% (6 months)
1.3Above 6 months to 1 Year3.25%4.25%2.80%
1.4Above 1 Year to 2 Years4.00%5.00%3.00%
1.5Above 2 Years to 3 Years4.25%5.25%3.25%
1.6Above 3 Years4.50%5.50%3.50%
Interest Payment Monthly / Quarterly


2. Savings Deposits

S.N. Particulars Interest (p.a.) Minimum Balance (Rs.)
2.1Home Savings2.75%–
2.2Griha Laxmi Savings2.80%100
2.3Senior Citizen Savings2.80%100
2.4Shareholding Savings2.75%100
2.5General Savings2.75%100
2.6Children Savings2.80%100
2.7Super Savings2.80%1,000
2.8NRN Savings2.75%100
2.9Best Savings2.80%1,000
2.10Talab Bachat Khata3.25%100
2.11Best Staff Salary Savings4.00%–
2.12Green Savings4.00%2,000
2.13Best Remittance Savings5.00%5,000

Savings accounts other than those mentioned above, with a minimum balance of Rs.100, will have an annual interest rate of 2.75%.


3. Call Deposit Accounts

S.N. Particulars Interest (p.a.) Minimum Balance (Rs.)
3.1Call Deposit AccountsUp to 1.38%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 8.24%


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  9.90%10.50%10.90%
2.2 Other Loan 9.90%10.50%10.90%
2.3 Auto Loan 10.50% p.a. (Maximum 7 years)

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