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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