Interest Rates
Deposit and Lending Interest Rates with effective from 14th March, 2024 (1st Chaitra, 2080)
Product Rate | Saving Accounts | Interest Rate(% p.a) | Min. Balance |
---|---|---|---|
{{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Sambridhhi Bachat | 6.50% | 100 |
{{mahalaxmi-karmachari-bachat}}-{{8;6.00;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Karmachari Bachat Khata | 6.00% | 100 |
{{mahalaxmi-maha-Bachat-Khata}}-{{7.50;5.50;NRs. 500;quarterly}}-{{no}} | Mahalaxmi Maha Bachat Khata | 5.80% | 500 |
{{mahalaxmi-Baivab-Bachat-Khata}}-{{6.15;6.15;NRs. 5000;quarterly}}-{{no}} | Mahalaxmi Bachat Briddhi Khata | 4.80% | 51 |
{{mahalaxmi-grihalaxmi-bachat-khata}}-{{6.15;4.50;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Grihalaxmi Bachat | 4.50% | 100 |
{{mahalaxmi-student-saving}}-{{8.00;4.50;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Student Saving Account | 4.50% | 100 |
{{mahalaxmi-jestha-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Jestha Nagarik Bachat | 4.50% | 100 |
{{mahalaxmi-baal-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Baal Bachat Khata | 4.50% | 100 |
{{mahalaxmi-pension-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Pension Bachat Khata | 4.50% | 100 |
Mahalaxmi Sharedhani Bachat | 4.50% | 100 | |
Mahalaxmi Remittance Bachat | 5.50% | 100 | |
Mero Bachat Khata | 4.50% | - | |
Mahalaxmi Premium Bachat | 4.50% | 100 | |
Mahalaxmi Bhukampa Pidit Account | 4.50% | - | |
Mahalaxmi Samajik Surakshya Account | 4.50% | - | |
{{mahalaxmi-safety-bachat}}-{{6.00;3.50;NRs. 2000;quarterly}}-{{no}} | Mahalaxmi Safety Saving | 4.50% | 2000 |
{{mahalaxmi-sunaulo-bachat-account}}-{{6.60;3.50;NRs. 2000;quarterly}}-{{no}} | Mahalaxmi Sunaulo Bachat | 4.50% | 2000 |
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} | Mahalaxmi Anmol Bachat | 4.50% | 1500 |
{{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1500;quarterly}}-{{no}} | Staff Salary Account | 6.50% | - |
{{mahalaxmi-PMS-Khata}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi PMS Khata | 6.45% | - |
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Online Saving | 4.50% | - |
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Baivab Bachat Khata | 4.50% | 5000 |
Margin Locker Account | 4.50% | 1000 | |
Mahalaxmi Dollar Saving Account | 5.00% | - | |
Call Deposit (upto) | 2.25% |
Fixed Deposit Account:
Individual Fixed Deposit | ||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Fixed Deposit Account: | Monthly | Quarterly | ||||||||||||||||||||
3 months and Below 6 month | 6.50% | 6.50% | ||||||||||||||||||||
6 Month to Below 1 Year | 6.75% | 6.75% | ||||||||||||||||||||
1 year and below 2 years | 7.00% | 7.00% | ||||||||||||||||||||
2 year and below 3 years | 7.25% | 7.25% | ||||||||||||||||||||
3 year and Above* | 8.05% | 8.05% | ||||||||||||||||||||
Remittance Fixed Deposit (3 months and Below 6 months) | 7.50% | 7.50% | ||||||||||||||||||||
Remittance Fixed Deposit (6 month to Below 1 Year) | 7.75% | 7.75% | ||||||||||||||||||||
Remittance Fixed Deposit (1 year to below 2 years) | 8.00% | 8.00% | ||||||||||||||||||||
Remittance Fixed Deposit (2 year to below 3 years) | 8.25% | 8.25% | ||||||||||||||||||||
Remittance Fixed Deposit (3 year and above) | 9.05% | 9.05% | ||||||||||||||||||||
Mahalaxmi Kramik Bachat Khata | 7.00% | |||||||||||||||||||||
Institutional Fixed Deposit Interest Rate (Monthly/Quarterly) |
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6 Months to 1 year
1 Year and below 2 years*
2 Year and below 3 years*
3 Year and above*
|
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*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) | 10.36% | |||
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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