Interest Rates

Deposit and Lending Interest Rates with effective from 15th January, 2026 (1st Magh, 2082)

Product Rate	Saving Accounts	Interest Rate(% p.a)	Min. Balance	Interest Payment
{{mahalaxmi-sambridhhi-bachat}}-{{6.00;4.05;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Sambridhhi Bachat	2.90%	100	Quarterly
{{mahalaxmi-staff-salary}-{{8.60;8.60;NRs. 1050;quarterly}}-{{no}}	Staff Salary Account	2.90%	-	Quarterly
	Mahalaxmi Remittance Bachat	2.90%	100	Quarterly
	Mahalaxmi Dollar Account(Saving/Fixed)	2.90%	-	Quarterly
{{mahalaxmi-PMS-Khata}}-{{3.05;3.05;NRs. 0;quarterly}}-{{no}}	Mahalaxmi PMS Khata	2.85%	-	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	3.00%	Quarterly
Mahalaxmi Baal Bachat Recurring Deposit Account	3.00%	Quarterly

Fixed Deposit Account:

C: 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	3.00%	3.25%	Quarterly
2 Year to below 3 Years	3.50%	3.75%	Quarterly
3 Years to below 5 Years	4.00%	4.25%	Quarterly
5 Years and above	5.50%	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	3.00%	Quarterly
3 Years to below 5 Years	3.50%	Quarterly
5 Years and above	4.80%	Quarterly
3. Akshaya Kosh	Negotiable	Quarterly
*The maturity period of FD should not exceed more than 10 years.
*The minimum fixed deposit amount should not be less than NPR 10,000

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)	6.21%
Base rate (Mangir 2082)	6.13%
Interest rate (Spread)	4.33%
Home Loan (Fixed Rate For 7 Years)	6.99%
SME Revolving Loan	6.99%
Auto Loan (Private)
Upto 5 Years of Tenure	7.49%
Upto 5 Years of Tenure	7.99%