Interest Rates

                               

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

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance
{{mahalaxmi-Baivab-Bachat-Khata}}-{{5.50;5.50;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Bachat Briddhi Khata 8.55% 51
{{mahalaxmi-karmachari-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 7.00% 100
{{mahalaxmi-normal-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Normal Saving 7.00% 100
{{mahalaxmi-special-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Special Saving 7.00% 100
{{mahalaxmi-grihalaxmi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Grihalaxmi Bachat 7.00% 100
{{mahalaxmi-student-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Student Saving Account 7.00% 100
{{mahalaxmi-jestha-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 7.00% 100
{{mahalaxmi-sambridhhi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 7.00% 100
{{mahalaxmi-baal-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 7.00% 100
{{mahalaxmi-pension-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 7.00% 100
  Mahalaxmi Sharedhani Bachat 7.00% 100
  Mahalaxmi Remittance Bachat 7.00% 100
  Mero Bachat Khata 7.00% -
  Mahalaxmi Premium Bachat 7.00% 100
  Mahalaxmi Dhana Barsa 7.00% 100
  Mahalaxmi Bhukampa Pidit Account 7.00% -
  Mahalaxmi Samajik Surakshya Account 7.00% -
  Mahalaxmi Bachat Khata 7.00% 100
  Mahalaxmi (Regular, Suraksha, Optional & Center Fund) Saving 7.00% -
{{mahalaxmi-safety-bachat}}-{{3.50;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 7.00% 2000
{{mahalaxmi-sunaulo-bachat}}-{{3.50;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 7.00% 2000
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 7.00% 1500
{{mahalaxmi-staff-salary}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Staff Salary Account 8.55% -
{{mahalaxmi-Investor's-Saving}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Investor's Saving Account 7.00% -
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 7.00% -
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Baivab Bachat Khata 7.25% 5000
  Margin Locker Account 7.00% 1000
  Mahalaxmi Dollar Saving Account 3.28% -
  Call Deposit (upto) 3.50%  

Fixed Deposit Account: 

                                                        Individual Fixed Deposit                                                    
Fixed Deposit Account:                                                                          Monthly Quarterly      
3 months and above                                                                                    12.00% 12.00%
Remittance Fixed Deposit(3 months and above)                                          13.00% 13.00%
Mahalaxmi Kramik Bachat Khata                                           12.00%

Institutional Fixed Deposit                                                                                 Interest Rate (Monthly/Quarterly)                                    

 3 Months & above*                                                                                              
New Renewal
11.00%   11.00%
                                             
*The maturity period of FD should not exceed more than 5 years.
# In the case of renewal of bidding fixed deposit 0.1% can be added to the published rate.
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%    
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 Chaitra End 2078  10.25%    
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% 13.99% 14.99%
Auto Loan 12.99% 13.99%       -
Other term Loan 13.49% 14.49% 15.49%

1. Base rate for the month of Chaitra is 10.25%.

2. Penal will be charged as per the NRB circular.

3. Customer availing term personal loan above 1 year tenure will have the option to choose between fixed and floating rate.

4. The premium rate may be increased by 2% p.a. in the existing premium rate in case the loan account falls under watch-list and non-performing loan.

 

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