Interest Rates

Effective from : March 24th, 2019 (Chaitra 10th, 2075 ).

Deposit   Interest Rate Minimum Balance(NPR)
A.Saving Account:
Mahalaxmi Normal Saving A 12:A60   7.00% 100
Mahalaxmi Special Saving   7.00% 100
Mahalaxmi Grihalaxmi Bachat   7.00% 100
Mahalaxmi Student Saving Account   7.00% 100
Mahalaxmi Jesth Nagrik Bachhat   7.00% 100
Mahalaxmi Karmachari Bachat Khata   7.00% 100
Mahalaxmi Sambridhi Bachat   7.00% 100
Mahalaxmi Baal Bachat Khata   7.00% 100
Mahalaxmi Pension Bachat Khata   7.00% 100
Mahalaxmi Sharedhani Bachat   7.00% 100
Mahalaxmi Remitance Bachat   7.00% 100
Mahalaxmi Premium Bachat   7.00% 100
Mahalaxmi Dhana Barsa   7.00% 100
Mahalaxmi Bhukampa Pidit Account   7.00%   -
Mahalaxmi Samajik Surkchhya Account   7.00%   -
Mahalaxmi Bachat Khata   7.00% 100
Mahalaxmi Safety Saving   7.00% 2000
Mahalaxmi Sunaulo Bachhat   7.00% 5000
Mahalaxmi Anmol Bachhat   7.00% 1500
Mahalaxmi Dollar Saving Account   3.00%   -
B.Call Deposit (upto)   7.00%   -
C.Fixed Deposit Account:   Interest Rate(p.a)
Tenure   Monthly(p.a) Quarterly(p.a)
3 Months to upto 5 Years   10% 10%
D. Loans/Advance   Interest Rate (p.a)
A.Overdraft    
i) Business O/D   Base rate+ upto 4%
B.Working Capital / Short Term Loan   Base rate+ upto 4%
C.Term Loan    
i) Business   Base rate+ upto 4%
D.Others    
Marketable Securities   Base rate+ upto 5%
Vehicle Loan/ Hire Purchase Loan    
Private   Base rate+ upto 5%
Commercial   Base rate+ upto 5%
Education Loan   Base rate+ upto 5%
Home Loan   Base rate+ upto 5%
Other Loans   Base rate+ upto 5%
Gold Loan   Base rate+ upto 5%
Loan Against Shares   Base rate+ upto 5%
MBBL Udhamshil Karja   Base rate+ upto 4%
Deprived Sector Loan Institutional   Negotiable
Deprived Sector Loan Individual   Base rate + upto 5%
Fixed Deposit with us   +2%
Government / NRB Securities   +2%
Consortium Loan   As per Consortium Decision
Base Rate as on Falgun 2075   11.08%
                                                                                                                                                                   *Conditions Apply
 Notes:
  • Penal Interest of +2% p.a. will be applied on the overdue amount/expired loan.
  • Premiun rate may be increased by 2% p.a. in the existing premium rate in case the loan account falls under watch-list category.