Interest Rates

                               

Deposit and Lending Interest Rates with effective from 17th November, 2021 (1st Mangsir, 2078)

Product Rate Saving Accounts Interest Rate(% p.a) Min. Balance
{{mahalaxmi-Baivab-Bachat-Khata}}-{{5.50;5.50;NRs. 5000;quarterly}}-{{no}} Mahalaxmi Baivab Bachat Khata 7.25% 5000
{{mahalaxmi-karmachari-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Karmachari Bachat Khata 5.70% 100
{{mahalaxmi-normal-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Normal Saving 5.25% 100
{{mahalaxmi-special-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Special Saving 5.25% 100
{{mahalaxmi-grihalaxmi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Grihalaxmi Bachat 5.25% 100
{{mahalaxmi-student-saving}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Student Saving Account 5.25% 100
{{mahalaxmi-jestha-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Jestha Nagarik Bachat 5.25% 100
{{mahalaxmi-sambridhhi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Sambridhhi Bachat 5.25% 100
{{mahalaxmi-baal-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Baal Bachat Khata 5.25% 100
{{mahalaxmi-pension-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}} Mahalaxmi Pension Bachat Khata 5.25% 100
  Mahalaxmi Sharedhani Bachat 5.25% 100
  Mahalaxmi Remittance Bachat 5.25% 100
  Mero Bachat Khata 5.25% -
  Mahalaxmi Premium Bachat 5.25% 100
  Mahalaxmi Dhana Barsa 5.25% 100
  Mahalaxmi Bhukampa Pidit Account 5.25% -
  Mahalaxmi Samajik Surakshya Account 5.25% -
  Mahalaxmi Bachat Khata 5.25% 100
  Mahalaxmi (Regular, Suraksha, Optional & Center Fund) Saving 5.25% -
{{mahalaxmi-safety-bachat}}-{{3.50;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Safety Saving 5.25% 2000
{{mahalaxmi-sunaulo-bachat}}-{{3.50;3.50;NRs. 2000;quarterly}}-{{no}} Mahalaxmi Sunaulo Bachat 5.25% 2000
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Mahalaxmi Anmol Bachat 5.25% 1500
{{mahalaxmi-staff-salary}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Staff Salary Account 6.25% -
{{mahalaxmi-Investor's-Saving}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}} Investor's Saving Account 5.25% -
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}} Mahalaxmi Online Saving 5.25% -
  Margin Locker Account 5.25% 1000
  Mahalaxmi Dollar Saving Account 3.28% -
  Call Deposit (upto) 2.625%  

Fixed Deposit Account: 

                                                        Individual Fixed Deposit                                                    
Fixed Deposit Account:                                                                          Monthly Quarterly      
3 to 6 Months                                                                                    10.25% 10.25%
9 Months                                                                                          10.25% 10.25%
1 Year and Above                                                                              10.25% 10.25%
Institutional Fixed Deposit                                                                             Interest Rate (Monthly/Quarterly)                                    
3 Months & above*                                                                                              9.25%                                                        
*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 7%    
Business/Industrial Term Loan Base Rate + up to 7%    
Mahalaxmi Udhyamshil Karja/Other Business Loan Base Rate + up to 7%    
Auto Loan Base Rate + up to 7%    
Hire Purchase Loan Base Rate + up to 7%    
Education Loan Base Rate + up to 7%    
Home Loan Base Rate + uo to 7%    
Gold and Silver Loan Base Rate + uo to 7%    
Loan Against Shares Base Rate + uo to 7%    
Deprived Sector Loan (Institutional) Negotiable    
Deprived Sector Loan (Individual) Base Rate + up to 7%    
Agriculture Loan  (Term/OD) Base Rate + up to 7%    
Other Loan Base Rate + up to 7%    
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 Ashwin End 2078 8.05%    
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 11.99% 12.99% 13.99%
Auto Loan 11.99% 12.99% 13.99%
Other term Loan 12.49% 13.49% 14.49%

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

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

3. 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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