Base Rate for Jestha 2080: 10.80%
LCY Interest Rate Jestha 2080: 4.20%
Interest Rates
Rate of Interest
(With effect from 16th November, 2025)
| Deposit | % per annum |
|---|---|
| Basic Savings | |
| Sunrise Savings | 2.78% |
| Wonder Woman Savings | 2.78% |
| Sunaulo Bachat | 2.78% |
| Samman Bachat | 2.78% |
| Special Care Account | 2.78% |
| Payroll Savings | |
| Shubha Bachat | 2.85% |
| Shakti Bachat | 2.85% |
| Premium Savings | |
| Orange Savings Plus | 3.50% |
| Sampurna Bachat | 3.50% |
| Green Savings | 3.50% |
| Suryodaya Savings | 3.50% |
| Remittance Savings | |
| Mero Bhumi Bachat | 4.50% |
| Deposits | % per annum |
|---|---|
| Call Deposits | Negotiable, up to 1.39% p.a. (or as agreed under a separate fixed period contract) |
| Term Deposits | Institutions | Personal | Personal-Remittance |
|---|---|---|---|
| 3 months - Below 6 months | - | 3.50% | 4.50% |
| 6 months - Below 1 years | 2.75% | 3.50% | 4.50% |
| 1 year - Below 2 years | 2.75% | 4.00% | 5.00% |
| 2 years - Below 5 years | 3.25% | 4.25% | 5.25% |
| 5 years and above | 4.00% | 5.00% | 6.00% |
| Recurring Deposits (up to 5 years) | - | 4.25% | - |
| FCY Deposits - per annum | Savings | Individual Term | Institutional Term |
|---|---|---|---|
| USD Saving Deposits | 2.50% | - | - |
| USD Term Deposits | |||
| Below 1 year | - | 3.50% | 3.25% |
| 1 year - 2 years | - | 4.00% | 3.50% |
| 2 years and above | - | 4.75% | 3.75% |
| EUR Deposits | 1.50% | 3.00% | 2.00% |
| GBP Deposits | 1.50% | 3.00% | 2.00% |
| AUD Deposits | 1.50% | 3.00% | 2.00% |
Minimum Amount USD 1,000 (or equivalent) and higher
| NRN Deposit (FCY) | % per annum |
|---|---|
| NRN Term Deposit* | |
| US Dollar (USD) | 7.5% |
| NRN Savings | |
| NRN Savings (USD) | 5.75% |
Minimum Amount USD 1,000 (or equivalent) and higher
*Term Available : 1-3 years
Loans and Advances
Applicable Base Rate for Kartik 2082 (3 months Average): 5.88%
| Cash Credit | % per annum |
|---|---|
| Corporate | Base Rate + 0.5 - 2.5 |
| SME | Base Rate + 1 - 3 |
| Short Term / Export / Working Capital Loans | % per annum |
|---|---|
| Corporate | Base Rate + up to 2 |
| SME | Base Rate + 1 - 3 |
| Importer's Loans | % per annum |
|---|---|
| Corporate | Base Rate + Up to 2 |
| SME | Base Rate + 1 - 3 |
| Term Loans | % per annum |
|---|---|
| Corporate | Base Rate + 1 - 3 |
| SME | Base Rate + 1 - 3 |
| Others Loans | % per annum |
|---|---|
| Auto Loans | Base Rate + 1 - 3 |
| Education loans | Base Rate + 1 - 3 |
| Home Loans | Base Rate + 0.5 - 2.5 |
| Home Equity Loans | Base Rate + 1 - 3 |
| Home Equity Revolving Line of Credit | Base Rate + 1.5 - 3.5 |
| Sambriddha Laxmi Karja | Base Rate + 1 - 3 |
| Personal Loans | Base Rate + 1 - 3 |
| Loans Against Gold | Base Rate + 1.5 - 3.5 |
| Loans Against Fixed Deposits | Higher of FD + up to 2 or Base Rate + up to 2 |
| Loans Against First Class Bank Guarantee | Base Rate + 0.5 - 2.5 |
| Microfinance Loans | Base Rate + up to 2 |
| Agriculture Loans | Base Rate + up to 2 |
| Loans Against Marketable Securities incl. Govt. Bonds | |
| Corporate | Base Rate + 0.5 - 2.5 |
| SME | Base Rate + 1 - 3 |
Loans & Advances (NPR) - Fixed Rates %p.a.
| Tenure (Years) | Home Loan / Home Equity Loans(%) | Education Loan(%) | Auto Loans(%) | Auto Loans - EV (%) | Lifestyle / Personal Loans(%) | Term Loans |
|---|---|---|---|---|---|---|
| Up to 15 years | 7.99 - 11.99 | 7.99 - 11.99 | 7.99 - 11.99 | 7.99 - 11.99 | 7.99 - 11.99 | 7.99 - 11.99 |
Fixed Rates for Home Loans, Home Equity Loans, Education Loans, Auto Loans, Personal Loans, and Term Loans for up to 15 years will be 7.99 – 11.99%.
Note
*Interest rate on Call & Saving accounts will be calculated on daily basis and paid quarterly. Interest rate on Fixed deposit can be paid monthly.
*Interest rates on Call accounts are negotiable (Maximum up to 50% of lowest saving rate of respective currency) and subject to change based on market conditions. Please contact any of our branch for details.
*Average Base Rate (Bhadra, Ashoj, Kartik 2082): 5.88% | Base Rate for Kartik 2082: 5.69% | LCY Interest Rate Spread for Kartik 2082: 3.53%
For the previously published Interest Rates, please click here.