Interest Rates
Deposit and Lending Interest Rates with effective from 13th April, 2024 (1st Baishak, 2081)
| Product Rate | Saving Accounts | Interest Rate(% p.a) | Min. Balance | Interest Payment | |
|---|---|---|---|---|---|
| {{mahalaxmi-maha-Bachat-Khata}}-{{7.50;5.50;NRs. 500;quarterly}}-{{no}} | Mahalaxmi Maha Bachat Khata | 5.80% | 500 | Monthly | |
| {{mahalaxmi-Baivab-Bachat-Khata}}-{{6.15;6.15;NRs. 5000;quarterly}}-{{no}} | Mahalaxmi Bachat Briddhi Khata | 4.80% | 51 | Monthly | |
| {{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Baivab Bachat Khata | 4.50% | 5000 | Quarterly | |
| {{mahalaxmi-karmachari-bachat}}-{{8;6.00;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Karmachari Bachat Khata | 6.00% | 100 | Quarterly | |
| {{mahalaxmi-investor-share}}-{{8;4.50;NRs. -;quarterly}}-{{no}} | Mahalaxmi Investor’s Share Saving Account (All in One) | 4.50% | - | Quarterly | |
| Mahalaxmi Premium Bachat | 4.50% | 100 | Quarterly | ||
| {{mahalaxmi-grihalaxmi-bachat-khata}}-{{6.15;4.50;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Grihalaxmi Bachat | 4.50% | 100 | Quarterly | |
| {{mahalaxmi-student-saving}}-{{8.00;4.50;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Student Saving Account | 4.50% | 100 | Quarterly | |
| {{mahalaxmi-jestha-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Jestha Nagarik Bachat | 4.50% | 100 | Quarterly | |
| {{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Sambridhhi Bachat | 6.50% | 100 | Quarterly | |
| {{mahalaxmi-baal-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Baal Bachat Khata | 4.50% | 100 | Quarterly | |
| {{mahalaxmi-pension-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Pension Bachat Khata | 4.50% | 100 | Quarterly | |
| Mahalaxmi Sharedhani Bachat | 4.50% | 100 | Quarterly | ||
| Mahalaxmi Remittance Bachat | 5.50% | 100 | Quarterly | ||
| Mero Bachat Khata | 4.50% | - | Quarterly | ||
| Mahalaxmi Bhukampa Pidit Account | 4.50% | - | Quarterly | ||
| Mahalaxmi Samajik Surakshya Account | 4.50% | - | Quarterly | ||
| {{mahalaxmi-safety-bachat}}-{{6.00;3.50;NRs. 2000;quarterly}}-{{no}} | Mahalaxmi Safety Saving | 4.50% | 2000 | Monthly | |
| {{mahalaxmi-sunaulo-bachat-account}}-{{6.60;3.50;NRs. 2000;quarterly}}-{{no}} | Mahalaxmi Sunaulo Bachat | 4.50% | 2000 | Quarterly | |
| {{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} | Mahalaxmi Anmol Bachat | 4.50% | 1500 | Quarterly | |
| {{mahalaxmi-PMS-Khata}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi PMS Khata | 6.45% | - | Monthly | |
| {{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1500;quarterly}}-{{no}} | Staff Salary Account | 6.50% | - | Quarterly | |
| {{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Online Saving | 4.50% | - | Quarterly | |
| Margin Locker Account | 4.50% | 1000 | Quarterly | ||
| Mahalaxmi Dollar Account(Saving/Fixed) | 5.00% | - | Quarterly | ||
| Call Deposit (upto) | 2.25% |
Fixed Deposit Account:
| 1:Individual Fixed Deposit | ||
|---|---|---|
| Fixed Deposit Account: | Interest Rate (p.a) | Payment On |
| 3 Months to below 6 Months | 6.50% | Monthly/ Quarterly |
| 6 Months to below 2 Years | 6.75% | Monthly/ Quarterly |
| 2 Years to below 3 Years | 7.00% | Monthly/ Quarterly |
| 3 Years and above* | 7.75% | Monthly/ Quarterly |
| Remittance Fixed Deposit (3 Months to below 6 Months) | 7.50% | Monthly/ Quarterly |
| Remittance Fixed Deposit (6 Months to below 2 Years) | 7.75% | Monthly/ Quarterly |
| Remittance Fixed Deposit (2 Years to below 3 Years) | 8.00% | Monthly/ Quarterly |
| Remittance Fixed Deposit (3 Years and above*) | 8.75% | Monthly/ Quarterly |
| Mahalaxmi Kramik Bachat Khata | 6.75% | Monthly/ Quarterly |
| 2:Institutional Fixed Deposit | ||
| Fixed Deposit Account: | Interest Rate (p.a) | Payment On |
| 6 Months to below 2 Years | 5.75% | Monthly/ Quarterly |
| 2 Years to below 3 Years | 6.00% | Monthly/ Quarterly |
| 3 Years and above* | 6.75% | Monthly/ Quarterly |
| 3. Akshaya Kosh | Negotiable | Monthly/ Quarterly |
| *The maturity period of FD should not exceed more than 10 years. | ||
| Loan & Advances | Negotiable | |||
| BusinessOD/Industrial OD/Working Capital/Short Term Loan | Base Rate + up to 3.75% | |||
| Business/Industrial Term Loan | Base Rate + up to 3.75% | |||
| Mahalaxmi Udhyamshil Karja/Other Business Loan | Base Rate + up to 3.75% | |||
| Auto Loan | Base Rate + up to 3.75% | |||
| Hire Purchase Loan | Base Rate + up to 3.75% | |||
| Education Loan | Base Rate + up to 3.75% | |||
| Home Loan | Base Rate + up to 3.75% | |||
| Gold and Silver Loan | Base Rate + up to 3.75% | |||
| Loan Against Shares | Base Rate + up to 3.75% | |||
| Deprived Sector Loan (Institutional) | Negotiable | |||
| Deprived Sector Loan (Individual) | Base Rate + up to 3.75% | |||
| Agriculture Loan (Term/OD) | Base Rate + up to 3.75% | |||
| Personal Loan(Term/OD)/Home Equity Loan | Base Rate + up to 3.75% | |||
| Other Loan | Base Rate + up to 3.75% | |||
| Loan Against Fixed Deposit (own) | Coupon Rate + 2% | |||
| Loan Against Government / NRB Securities | Coupon Rate + 2% | |||
| Consortium Loan | As Per the Consortium decision | |||
| Base rate (Average) | 10.11% | |||
| Fixed Interest Rate for the individual term loan | Above 1 year and Up to 5 Years | Above 5 years and Up to 10 Years | Above 10 Years | |
| Home Loan | 12.99% | 13.49% | 13.99% | |
| Auto Loan | 12.99% | 13.49% | - | |
| Other term Loan | 12.99% | 13.49% | 13.99% | |
1. Penal will be charged as per the NRB circular.
2. Customer availing personal term loan above 1 year tenure will have the option to choose between fixed and floating rate.
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