Monday December 9, 2024
वि.सं २०८१ मंसिर २४ सोमबार
Monday December 9, 2024
वि.सं २०८१ मंसिर २४ सोमबार

Interest Rates

                               

Deposit and Lending Interest Rates with effective from 16th Novemnber, 2024 (1st Mangsir, 2081)

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance Interest Payment
{{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 5.05% 100 Quarterly
{{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1050;quarterly}}-{{no}} Staff Salary Account 5.05% - Quarterly
{{mahalaxmi-PMS-Khata}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} Mahalaxmi PMS Khata 5.00% - Monthly
{{mahalaxmi-karmachari-bachat}}-{{8;6.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 4.55% 100 Quarterly
{{mahalaxmi-maha-Bachat-Khata}}-{{7.05;5.05;NRs. 050;quarterly}}-{{no}} Mahalaxmi Maha Bachat Khata 4.35% 500 Monthly
  Mahalaxmi Remittance Bachat 4.05% 100 Quarterly
{{mahalaxmi-Baivab-Bachat-Khata}}-{{6.15;6.15;NRs. 0500;quarterly}}-{{no}} Mahalaxmi Bachat Briddhi Khata 3.35% 51 Monthly
  Mahalaxmi Dollar Account(Saving/Fixed) 3.55% - Quarterly
{{mahalaxmi-online-saving}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} Mahalaxmi Baivab Bachat Khata 3.05% 5000 Quarterly
{{mahalaxmi-investor-share}}-{{8;4.05;NRs. -;quarterly}}-{{no}} Mahalaxmi Investor’s Share Saving Account (All in One) 3.05% - Quarterly
  Mahalaxmi Premium Bachat 3.05% 100 Quarterly
{{mahalaxmi-grihalaxmi-bachat-khata}}-{{6.15;4.05;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Grihalaxmi Bachat 3.05% 100 Quarterly
{{mahalaxmi-student-saving}}-{{8.00;4.05;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Student Saving Account 3.05% 100 Quarterly
{{mahalaxmi-jestha-bachat}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 3.05% 100 Quarterly
{{mahalaxmi-baal-bachat-khata}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 3.05% 100 Quarterly
{{mahalaxmi-pension-bachat-khata}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 3.05% 100 Quarterly
  Mahalaxmi Sharedhani Bachat 3.05% 100 Quarterly
  Mero Bachat Khata 3.05% - Quarterly
  Mahalaxmi Bhukampa Pidit Account 3.05% - Quarterly
  Mahalaxmi Samajik Surakshya Account 3.05% - Quarterly
{{mahalaxmi-safety-bachat}}-{{6.00;3.05;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 3.05% 2000 Monthly
{{mahalaxmi-sunaulo-bachat-account}}-{{6.60;3.05;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 3.05% 2000 Quarterly
{{mahalaxmi-anmol-bachat}}-{{3.05;3.05;NRs. 1050;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 3.05% 1500 Quarterly
{{mahalaxmi-online-saving}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 3.05% - Quarterly
  Margin Locker Account 3.05% 1000 Quarterly
  Call Deposit (upto) 1.525%      

Fixed Deposit Account: 

1:Individual Fixed Deposit                                                    
Fixed Deposit Account: Interest Rate (p.a) Payment On      
6 Months to below 1 Year Year 5.05% Quarterly
1 Year to below 2 Years 5.10% Quarterly
2 Year to below 3 Years 5.50% Quarterly
3 Years and above* 6.50% Quarterly
Remittance Fixed Deposit (6 Months to below 1 Year) 6.05% Quarterly
Remittance Fixed Deposit (1 Year to below 2 Years) 6.10% Quarterly
Remittance Fixed Deposit (2 Year to below 3 Years) 6.50% Quarterly
Remittance Fixed Deposit (3 Years and above*) 7.50% Quarterly
Mahalaxmi Kramik Bachat Khata 5.10% Quarterly
Mahalaxmi Baal Bachat Recurring Deposit Account 5.10% Quarterly
2:Institutional Fixed Deposit                                                    
Fixed Deposit Account: Interest Rate (p.a) Payment On      
6 Months to below 1 Year 4.05% Quarterly
1 Years to below 2 Years 4.10% Quarterly
2 Years to below 3 Years 4.50% Quarterly
3 Years and above 5.50% Quarterly
3. Akshaya Kosh Negotiable Quarterly

*The maturity period of FD should not exceed more than 10 years.

*The minimum fixed deposit amount should not be less than NPR 10,000
Loan & Advances Negotiable
Green Home Loan 8.99%    
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)   8.08%    
Interest rate (Spread)   4.59%    
Special Scheme Home Auto Business
  9.99% 9.99% 9.99%
*9.99% fixed for two years, then after Base rate+1%      
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 11.99% 12.49% 12.99%
Auto Loan 11.99% 12.49%       -
Other term Loan 11.99% 12.49% 12.99%

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.

 

Quick Access