Interest Rates

Effective from : August 16th, 2019 (Shrawan 31st, 2076 ).

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Deposit Interest Rate Minimum Balance(NPR)
A.Saving Account:
Mahalaxmi Normal Saving 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 (Regular, Suraksha ,Optional & Center Fund )Saving 7.00% -
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)
Business OD/Industrial OD/ Working Capital/Short Term Loan Base rate+ upto 4.5%
Business / Industrial Term Loan Base rate+ upto 4.5%
Mahalaxmi Udhyamshil Karja/Other Business Loan Base rate+ upto 4.5%
Auto Loan Base rate+ upto 5%
Hire Purchase Loan Base rate+ upto 5%
Education Loan Base rate+ upto 5%
Home Loan Base rate+ upto 5%
Gold and Silver Loan Base rate+ upto 5%
Loan Against Shares Base rate+ upto 5%
Deprived Sector Loan(Institutional) Negotiable
Deprived Sector Loan (Individual) Base Rate + upto 5%
Agriculture Loan (Term/OD) Base Rate + upto 5%
Personal Loan(Term/OD)/Home Equity Loan Base Rate + upto 5%
Other Loan Base Rate + upto 5%
Loan Against Fixed Deposit(Own) Coupon Rate +2%
Loan Against Government / NRB Securities Coupon Rate +2%
Consortium Loan As per Consortium Decision
Base Rate as on Asadh End 2076 11.25%
                                                                                                                                                                   *Conditions Apply
 Notes:
  • Penal Interest of +2% p.a. will be applied on the overdue amount/expired loan.
  • Premium rate may be increased by 2% p.a. in the existing premium rate in case the loan account falls under watch-list & non-performing loan.