Interest Rates

                               

Deposit and Lending Interest Rates with effective from 13th February, 2024 (1st Falgun, 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-bachat-briddhi-khata}}-{{7.60;5.50;NRs. 5000;quarterly}}-{{no}}      
{{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                                                                             6.75% 6.75%
6 Month to Below 1 Year                                                                                    7.25% 7.25%
1 year and below 3 years                                                                                   7.75% 7.75%
3 year and Above*                                                                                              8.40% 8.40%
Remittance Fixed Deposit (3 months and Below 6 months)                    7.75% 7.75%
Remittance Fixed Deposit (6 month to Below 1 Year)                                    8.25% 8.25%
Remittance Fixed Deposit (1 year to below 3 years)                                        8.75% 8.75%
Remittance Fixed Deposit (3 year and above)                                                 9.40% 9.40%
Mahalaxmi Kramik Bachat Khata                                           7.75%

Institutional Fixed Deposit                                                                                 Interest Rate (Monthly/Quarterly)                                    

 6 Months to 1 year                                                                                              
New Renewal
5.25%   5.25%

1 Year and below 3 years*                                                                                              
New Renewal
5.75%   5.75%

 


3 Year and above*                                                                                              
New Renewal
6.40%   6.40%

 

Akshaya Kosh  
Interest Rate- Negotiable   Payment On- Monthly/ Quarterly
 
*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)   10.71%    
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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