Interest Rates
Deposit and Lending Interest Rates with effective from: September 17, 2026 (1st Aswin, 2083)
| Product Rate | Saving Accounts | Interest Rate(% p.a) | Min. Balance | Interest Payment |
|---|---|---|---|---|
| Mahalaxmi Remittance Bachat | 3.75% | 100 | Quarterly | |
| {{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Sambridhhi Bachat | 2.75% | 100 | Quarterly |
| {{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1050;quarterly}}-{{no}} | Staff Salary Account | 2.75% | - | Quarterly |
| Mahalaxmi Dollar Account(Saving/Fixed) | 2.75% | - | Quarterly | |
| {{mahalaxmi-PMS-Khata}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} | Mahalaxmi PMS Khata | 2.75% | - | Monthly |
| {{mahalaxmi-karmachari-bachat}}-{{8;6.00;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Karmachari Bachat Khata | 2.75% | 100 | Quarterly |
| {{mahalaxmi-investor-share}}-{{8;4.05;NRs. -;quarterly}}-{{no}} | Mahalaxmi Investor’s Share Saving Account (All in One) | 2.75% | - | Quarterly |
| {{mahalaxmi-grihalaxmi-bachat-khata}}-{{6.15;4.05;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Grihalaxmi Bachat | 2.75% | 100 | Quarterly |
| {{mahalaxmi-student-saving}}-{{8.00;4.05;NRs. 1000;quarterly}}-{{yes}} | Mahalaxmi Student Saving Account | 2.75% | 100 | Quarterly |
| {{mahalaxmi-jestha-bachat}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Jestha Nagarik Bachat | 2.75% | 100 | Quarterly |
| {{mahalaxmi-baal-bachat-khata}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}} | Mahalaxmi Baal Bachat Khata | 2.75% | 100 | Quarterly |
| Mahalaxmi Bhukampa Pidit Account | 2.75% | - | Quarterly | |
| Mahalaxmi Samajik Surakshya Account | 2.75% | - | Quarterly | |
| {{mahalaxmi-online-saving}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Online Saving | 2.75% | - | Quarterly |
| Margin Locker Account | 2.75% | 1000 | Quarterly | |
| {{mahalaxmi-normal-saving-account}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}} | Mahalaxmi Normal Saving Account | 2.75% | 51 | Quarterly |
| B. Recurring Deposit | |||
|---|---|---|---|
| Recurring Deposit Account: | Interest Rate (p.a) | Payment On | |
| Mahalaxmi Kramik Bachat Khata | 2.80% | Quarterly | |
| Mahalaxmi Baal Bachat Recurring Deposit Account | 2.80% | Quarterly | |
C. Fixed Deposit Accounts
| 1. Individual Fixed Deposit | |||
|---|---|---|---|
| Fixed Deposit Account: | Interest Rate (p.a) | Interest Rate (p.a) (Through Mahalaxmi Smart Sathi-Mobile App) |
Payment On |
| 1 Year to below 2 Years | 2.80% | 2.90% | Quarterly |
| 2 Year to below 3 Years | 3.20% | 3.30% | Quarterly |
| 3 Years to below 5 Years | 3.70% | 3.80% | Quarterly |
| 5 Years and above | 4.30% | Not Applicable | Quarterly |
| 2. Institutional Fixed Deposit | |||
| Fixed Deposit Account: | Interest Rate (p.a) | Payment On | |
| 1 Years to below 2 Years | 2.75% | Quarterly | |
| 2 Years to below 3 Years | 2.90% | Quarterly | |
| 3 Years to below 5 Years | 3.20% | Quarterly | |
| 5 Years and above | 4.25% | Quarterly | |
| 3. Akshaya Kosh | Negotiable | Quarterly | |
|
*The maturity period of FD should not exceed more than 10 years. |
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| *The minimum fixed deposit amount should not be less than NPR 10,000 | |||
| D. Loan & Advances | Interest Rate (p.a) | |||
| 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) | 5.65% | |||
| Base rate (Shrawan 2083) | 5.64% | |||
| Interest rate (Spread) | 4.16% | |||
| Fixed Rate | ||||
| Green Home Loan | 6.49% to 9.99% | |||
| Green Auto Loan | 6.49% to 9.99% | |||
| Other Term Loan including Business Loan | 5.99% to 9.99% | |||
| SME Revolving Loan | 5.99% | |||
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.
3. Call Deposit interest rate shall be as per the Nepal Rastra Bank guidelines.
4. Rate on remittance fixed term deposit shall be as per the Nepal Rastra Bank guidelines.
