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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