Interest Rates

                               

Deposit and Lending Interest Rates with effect from April 14, 2021 (1st Baishakh, 2078)

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance
{{mahalaxmi-normal-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Normal Saving 4.00% 100
{{mahalaxmi-special-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Special Saving 4.00% 100
{{mahalaxmi-grihalaxmi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Grihalaxmi Bachat 4.00% 100
{{mahalaxmi-student-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Student Saving Account 4.00% 100
{{mahalaxmi-jestha-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 4.00% 100
{{mahalaxmi-karmachari-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 4.50% 100
{{mahalaxmi-sambridhhi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 4.00% 100
{{mahalaxmi-baal-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 4.00% 100
{{mahalaxmi-pension-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 4.00% 100
  Mahalaxmi Sharedhani Bachat 4.00% 1000
  Mahalaxmi Remittance Bachat 4.00% 1000
  Mero Bachat Khata 4.00% -
  Mahalaxmi Premium Bachat 4.00% 100
  Mahalaxmi Dhana Bachat 4.00% 100
  Mahalaxmi Bhukampa Pidit Account 4.00% -
  Mahalaxmi Samajik Surakshya Account 4.00% -
  Mahalaxmi Bachat Khata 4.00% 100
  Mahalaxmi (Regular, Suraksha, Optional & Center Fund) Saving 4.00% -
{{mahalaxmi-safety-bachat}}-{{4.00;44.00;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 4.00% 2000
{{mahalaxmi-sunaulo-bachat}}-{{4.25;4.25;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 4.50% 5000
{{mahalaxmi-anmol-bachat}}-{{4.00;4.00;NRs. 1500;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 4.00% 1500
{{mahalaxmi-online-saving}}-{{4.00;4.00;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 4.00% -
  Margin Locker Account 4.00% 1000
  Mahalaxmi Dollar Saving Account 1.50% -
  Call Deposit (upto) 2.00%  

Fixed Deposit Account:              

Fixed Deposit Account Interest Rate (p.a)
Individual Institutional
3 months (Monthly) 6.75% -
3 months (Quarterly) 7.00% 6.50%
6 months and up to 9 months (Monthly) 7.75% -
6 months and up to 9 months (Quarterly) 8.00% 7.50%
1 Year (Monthly) 8.50% -
1 Year (Quarterly) 8.75% 8.25%
Above 1 Year (Monthly) 8.75% -
Above 1 Year (Quarterly) 9.00% 8.50%
Loan & Advances Negotiable
Deprived Sector Loan (Individual) Base Rate + up to 6%    
Agriculture Loan  (Term/OD) Base Rate + up to 6%    
Other Loan Base Rate + up to 6%    
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 as on Falgun End 2077 7.98%    
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 10.99% 11.99% 12.99%
Auto Loan 10.99% - -
Other term Loan 11.49% 12.49% 13.49%

* Condition Apply

  • 1. A penal rate of 2% p.a. will be applied on the overdue amount/expired loan.
  • 2. Customer availing term personal loan above 1 yeat tenure will have the option to choose between fixed and floating rate.
  • 3. The premium rate may be increased by 2% p.a. in the existing premium rate in case the loan account falls under watch-list and non-performing loan.

 

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