Interest Rates

                               

Deposit and Lending Interest Rates with effective from 14th May, 2024 (1st Jestha, 2081)

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance Interest Payment
{{mahalaxmi-maha-Bachat-Khata}}-{{7.50;5.50;NRs. 500;quarterly}}-{{no}} Mahalaxmi Maha Bachat Khata 5.80% 500 Monthly
{{mahalaxmi-Baivab-Bachat-Khata}}-{{6.15;6.15;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Bachat Briddhi Khata 4.80% 51 Monthly
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Baivab Bachat Khata 4.50% 5000 Quarterly
{{mahalaxmi-karmachari-bachat}}-{{8;6.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 6.00% 100 Quarterly
{{mahalaxmi-investor-share}}-{{8;4.50;NRs. -;quarterly}}-{{no}} Mahalaxmi Investor’s Share Saving Account (All in One) 4.50% - Quarterly
  Mahalaxmi Premium Bachat 4.50% 100 Quarterly
{{mahalaxmi-grihalaxmi-bachat-khata}}-{{6.15;4.50;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Grihalaxmi Bachat 4.50% 100 Quarterly
{{mahalaxmi-student-saving}}-{{8.00;4.50;NRs. 1000;quarterly}}-{{yes}} Mahalaxmi Student Saving Account 4.50% 100 Quarterly
{{mahalaxmi-jestha-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 4.50% 100 Quarterly
{{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 6.50% 100 Quarterly
{{mahalaxmi-baal-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 4.50% 100 Quarterly
{{mahalaxmi-pension-bachat-khata}}-{{6.00;4.50;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 4.50% 100 Quarterly
  Mahalaxmi Sharedhani Bachat 4.50% 100 Quarterly
  Mahalaxmi Remittance Bachat 5.50% 100 Quarterly
  Mero Bachat Khata 4.50% - Quarterly
  Mahalaxmi Bhukampa Pidit Account 4.50% - Quarterly
  Mahalaxmi Samajik Surakshya Account 4.50% - Quarterly
{{mahalaxmi-safety-bachat}}-{{6.00;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 4.50% 2000 Monthly
{{mahalaxmi-sunaulo-bachat-account}}-{{6.60;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 4.50% 2000 Quarterly
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 4.50% 1500 Quarterly
{{mahalaxmi-PMS-Khata}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi PMS Khata 6.45% - Monthly
{{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1500;quarterly}}-{{no}} Staff Salary Account 6.50% - Quarterly
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 4.50% - Quarterly
  Margin Locker Account 4.50% 1000 Quarterly
  Mahalaxmi Dollar Account(Saving/Fixed) 5.00% - Quarterly
  Call Deposit (upto) 2.25%      

Fixed Deposit Account: 

1:Individual Fixed Deposit                                                    
Fixed Deposit Account: Interest Rate (p.a) Payment On      
3 Months to below 6 Months 6.50% Monthly/ Quarterly
6 Months to below 1 Years 6.60% Monthly/ Quarterly
1 Year to below 2 Years 6.75% Monthly/ Quarterly
2 Years and above* 7.50% Monthly/ Quarterly
Remittance Fixed Deposit (3 Months to below 6 Months) 7.50% Monthly/ Quarterly
Remittance Fixed Deposit (6 Months to below 1 Years) 7.60% Monthly/ Quarterly
Remittance Fixed Deposit (1 Years to below 2 Years) 7.75% Monthly/ Quarterly
Remittance Fixed Deposit (2 Years and above*) 8.50% Monthly/ Quarterly
Mahalaxmi Kramik Bachat Khata 6.75% Quarterly
2:Institutional Fixed Deposit                                                    
Fixed Deposit Account: Interest Rate (p.a) Payment On      
6 Months to below 1 Year 5.60% Monthly/ Quarterly
1 Years to below 2 Years 5.75% Monthly/ Quarterly
2 Years and above* 6.50% Monthly/ Quarterly
3. Akshaya Kosh Negotiable 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)   9.87%    
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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