Interest Rates

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

Product Rate	Saving Accounts	Interest Rate(% p.a)	Min. Balance
{{mahalaxmi-Baivab-Bachat-Khata}}-{{7.85;5.50;NRs. 5000;quarterly}}-{{no}}	Mahalaxmi Bachat Briddhi Khata	8.85%	51
{{mahalaxmi-maha-Bachat-Khata}}-{{10.00;5.50;NRs. 5000;quarterly}}-{{no}}	Mahalaxmi Maha Bachat Khata	9.85%	500
{{mahalaxmi-karmachari-bachat}}-{{8;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Karmachari Bachat Khata	7.85%	100
{{mahalaxmi-normal-saving}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Normal Saving	7.85%	100
{{mahalaxmi-special-saving}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Special Saving	7.85%	100
{{mahalaxmi-grihalaxmi-bachat-khata}}-{{7.85;4.00;NRs. 1000;quarterly}}-{{yes}}	Mahalaxmi Grihalaxmi Bachat	7.85%	100
{{mahalaxmi-student-saving}}-{{8.00;4.00;NRs. 1000;quarterly}}-{{yes}}	Mahalaxmi Student Saving Account	7.85%	100
{{mahalaxmi-jestha-bachat}}-{{8.00;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Jestha Nagarik Bachat	7.85%	100
{{mahalaxmi-sambridhhi-bachat}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Sambridhhi Bachat	7.85%	100
{{mahalaxmi-baal-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Baal Bachat Khata	7.85%	100
{{mahalaxmi-pension-bachat-khata}}-{{4.00;4.00;NRs. 1000;quarterly}}-{{no}}	Mahalaxmi Pension Bachat Khata	7.85%	100
	Mahalaxmi Sharedhani Bachat	7.85%	100
	Mahalaxmi Remittance Bachat	7.85%	100
	Mero Bachat Khata	7.85%	-
	Mahalaxmi Premium Bachat	7.85%	100
	Mahalaxmi Dhana Barsa	7.85%	100
	Mahalaxmi Bhukampa Pidit Account	7.85%	-
	Mahalaxmi Samajik Surakshya Account	7.85%	-
{{mahalaxmi-bachat-briddhi-khata}}-{{8.85;5.50;NRs. 5000;quarterly}}-{{no}}
	Mahalaxmi Bachat Khata	7.85%	100
	Mahalaxmi (Regular, Suraksha, Optional & Center Fund) Saving	7.85%	-
{{mahalaxmi-safety-bachat}}-{{7.85;3.50;NRs. 2000;quarterly}}-{{no}}	Mahalaxmi Safety Saving	7.85%	2000
{{mahalaxmi-sunaulo-bachat-account}}-{{7.85;3.50;NRs. 2000;quarterly}}-{{no}}	Mahalaxmi Sunaulo Bachat	7.85%	2000
{{mahalaxmi-anmol-bachat}}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}}	Mahalaxmi Anmol Bachat	7.85%	1500
{{mahalaxmi-staff-salary}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}}	Staff Salary Account	9.85%	-
{{mahalaxmi-Investor's-Saving}-{{3.50;3.50;NRs. 1500;quarterly}}-{{no}}	Investor's Saving Account	7.85%	-
{{mahalaxmi-PMS-Khata}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}}	Mahalaxmi PMS Khata	9.80%	-
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}}	Mahalaxmi Online Saving	7.85%	-
{{mahalaxmi-online-saving}}-{{3.50;3.50;NRs. 0;quarterly}}-{{no}}	Mahalaxmi Baivab Bachat Khata	7.85%	5000
	Margin Locker Account	7.85%	1000
	Mahalaxmi Dollar Saving Account	3.28%	-
	Call Deposit (upto)	3.925%

Fixed Deposit Account:

Individual Fixed Deposit

Fixed Deposit Account: Monthly

Quarterly

3 months and above 12.85%

12.85%

Remittance Fixed Deposit(3 months and above) 13.85%

13.85%

Mahalaxmi Kramik Bachat Khata

12.85%

Mahalaxmi Double Bonanza

66 Months 15 days

Institutional Fixed Deposit Interest Rate (Monthly/Quarterly)

3 Months & above*

New	Renewal
10.85%	10.85%

*The maturity period of FD should not exceed more than 10 years.

# Additional 0.5% can be provided for institutinal fixed deposit through bidding.

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%
Personal Loan(Term/OD)/Home Equity Loan	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 Ashadh End 2079	11.89%
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	13.99%	14.99%	15.99%
Auto Loan	13.99%	14.99%	-
Other term Loan	14.49%	15.49%	16.49%