Interest Rate

Base Rate-Chaitra 2069 : 10.10%
1.  Fixed Deposits (NPR)
Account Type Interest Payment Interest Rate ( % p.a. )
Above 3 Months to 6 Months Above 6 Months to 9 Months 1 Year 1 Year Above
Sr. Citizen Monthly 5.00 6.00 9.00 9.25
  For Individual
Time Period Interest Rate ( % p.a.)
Quarterly Maturity
 1 Month to 3 Months   4.00
 Above 3 Months to 6 Months 5.00 5.25
 Above 6 Months to Below 1 Year 6.00 6.25
 1 Year 9.00
 1 Year Above 9.25
  For Institution
Time Period Interest Rate ( % p.a.)
Quarterly Maturity
 1 Month to 3 Months   4.00
 Above 3 Months to 6 Months 5.00 5.25
 Above 6 Months to Below 1 Year 5.50 6.00
 1 Year 8.75
 1 Year Above 9.00

 


  2. Saving Deposits
Account Type Interest Rate (%p.a.) Interest Payment
1. Senior Citizen Saving Account 4.00 Monthly
2. Sanima Nari Bachat 4.00 Quarterly
3. Sanima PF Saving Account 4.00 Quarterly
4. NRN Saving Account 4.00 Quarterly
5. Sanima Salary Account 4.00 Quarterly
6. Shareholders Saving 4.00 Quarterly
7. Sanima Muna Bachat 4.00 Quarterly
8. Flood Relief Account 4.00 Quarterly
9. Investment Muna with Life Insurance Coverage 4.00 Quarterly
10. Recurring Muna with Life Insurance Coverage 4.00 Quarterly
11. Recurring Muna w/o Life Insurance Coverage 4.00 Quarterly
12. Sanima Prime Saving 5.00 Quarterly
13. Sanima Premium Savings 6.00 Quarterly
14. Sanima Commitment Saving Account 6.00 Quarterly
15. Other Savings Account 4.00 Quarterly
16. Sanima FCY Saving Account 1.50 Quarterly
 
 3. Call Deposit Account
Deposits
Call Deposit Accounts Upto 8.00 %
 
  Loans and Advances

Type of Loan Interest Rate ( % p.a.)
A. Corporate & Business Banking  
Overdraft / Working Capital Loan 13.00 - 18.00
Demand Loan / Short-Term Working Capital Loan 12.00 - 17.00
Import Loan / Trust Receipt Loan 12.00 - 15.00
Export Finance / Packing Credit 12.00 - 15.00
Term Loan 13.00 - 18.00
Small Business Growth Loan 13.00 - 17.00
B. Retail / Consumer Banking  
Home Loan / Home Equity Loan 10.50 - 17.00
Private Vehicle / Auto Loan 10.99 - 17.00
Commercial Vehicle Loan 14.00 - 17.00
Loan Against Shares 14.00 - 17.00
Personal Overdraft / Personal Loan 14.00 - 17.00
Education Loan 13.00 - 16.00
C. Other Lending  
Gold Loan 12.00 - 15.00
Loan Against Fixed Deposit Receipt (Own) +2 or 9 whichever is higher
Loan Against 1st Class Bank Guarantee 12.00 - 14.00
Loan Against Other Bank Gurantee 13.00 - 15.00
Loan Against Government Securities 12.00 - 14.00
Clean OverDraft 18.00 - 21.00
D. Micro Finance / Deprived Sector Lending  
Wholesale Loan / Credit 5.00 - 13.00
Other Retail Loan 14.00 - 18.00