Interest Rates

                               

Deposit and Lending Interest Rates with effective from 17th November, 2022 (1st Mangsir, 2079)

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance
{{mahalaxmi-Baivab-Bachat-Khata}}-{{7.85;5.50;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Bachat Briddhi Khata 8.85% 51
{{mahalaxmi-maha-Bachat-Khata}}-{{10.00;5.50;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Maha Bachat Khata 9.85% 500
{{mahalaxmi-karmachari-bachat}}-{{8;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 7.85% 100
{{mahalaxmi-normal-saving}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Normal Saving 7.85% 100
{{mahalaxmi-special-saving}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Special Saving 7.85% 100
{{mahalaxmi-grihalaxmi-bachat-khata}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Grihalaxmi Bachat 7.85% 100
{{mahalaxmi-student-saving}}-{{8.00;4.00;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Student Saving Account 7.85% 100
{{mahalaxmi-jestha-bachat}}-{{8.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 7.85% 100
{{mahalaxmi-sambridhhi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 7.85% 100
{{mahalaxmi-baal-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 7.85% 100
{{mahalaxmi-pension-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 7.85% 100
  Mahalaxmi Sharedhani Bachat 7.85% 100
  Mahalaxmi Remittance Bachat 7.85% 100
  Mero Bachat Khata 7.85% -
  Mahalaxmi Premium Bachat 7.85% 100
  Mahalaxmi Dhana Barsa 7.85% 100
  Mahalaxmi Bhukampa Pidit Account 7.85% -
  Mahalaxmi Samajik Surakshya Account 7.85% -
{{mahalaxmi-bachat-briddhi-khata}}-{{8.85;5.50;NRs. 5000;quarterly}}-{{no}}      
  Mahalaxmi Bachat Khata 7.85% 100
  Mahalaxmi (Regular, Suraksha, Optional & Center Fund) Saving 7.85% -
{{mahalaxmi-safety-bachat}}-{{7.85;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 7.85% 2000
{{mahalaxmi-sunaulo-bachat-account}}-{{7.85;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 7.85% 2000
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 7.85% 1500
{{mahalaxmi-staff-salary}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Staff Salary Account 9.85% -
{{mahalaxmi-Investor's-Saving}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Investor's Saving Account 7.85% -
{{mahalaxmi-PMS-Khata}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi PMS Khata 9.80% -
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 7.85% -
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Baivab Bachat Khata 7.85% 5000
  Margin Locker Account 7.85% 1000
  Mahalaxmi Dollar Saving Account 3.28% -
  Call Deposit (upto) 3.925%  

Fixed Deposit Account: 

                                                        Individual Fixed Deposit                                                    
Fixed Deposit Account:                                                                          Monthly Quarterly      
3 months and above                                                                                    12.85% 12.85%
Remittance Fixed Deposit(3 months and above)                                          13.85% 13.85%
Mahalaxmi Kramik Bachat Khata                                           12.85%
Mahalaxmi Double Bonanza                                            66 Months 15 days

Institutional Fixed Deposit                                                                                 Interest Rate (Monthly/Quarterly)                                    

 3 Months & above*                                                                                              
New Renewal
10.85%   10.85%
                                             
*The maturity period of FD should not exceed more than 10 years.
# Additional 0.5% can be provided for institutinal fixed deposit through bidding.
Loan & Advances Negotiable
BusinessOD/Industrial OD/Working Capital/Short Term Loan Base Rate + up to 8%    
Business/Industrial Term Loan Base Rate + up to 8%    
Mahalaxmi Udhyamshil Karja/Other Business Loan Base Rate + up to 8%    
Auto Loan Base Rate + up to 8%    
Hire Purchase Loan Base Rate + up to 8%    
Education Loan Base Rate + up to 8%    
Home Loan Base Rate + up to 8%    
Gold and Silver Loan Base Rate + up to 8%    
Loan Against Shares Base Rate + up to 8%    
Deprived Sector Loan (Institutional) Negotiable    
Deprived Sector Loan (Individual) Base Rate + up to 8%    
Agriculture Loan  (Term/OD) Base Rate + up to 8%    
Personal Loan(Term/OD)/Home Equity Loan Base Rate + up to 8%    
Other Loan Base Rate + up to 8%    
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 Ashadh End 2079   11.89%    
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 13.99% 14.99% 15.99%
Auto Loan 13.99% 14.99%       -
Other term Loan 14.49% 15.49% 16.49%

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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