Interest Rate



Interest Rate
Effective From 1st Ashoj 2078 (17th September 2021)
Deposits
S. No. Products Interest Rate
(Per Annum)
Payment
1 Kamana Sewa Pragati Bachat Khata  4.50% Quarterly  Basis
2 Swabhiman Bachat Khata 
3 KS Insta Saving
4 Shareholder Saving 
5 Normal Saving  4.50%
6 Subharambha Saving 
7 Swarnim Surakshit  Saving 
8 Sabal Nari Saving 
9 Child Saving 
10 Salary Saving 
11 Student Saving 
12 Pensioner Saving 
13 Farmer 's Saving 
14 Samajik Surakchhya Saving 
15 Kholau  Bachat Khata (KBK) Saving*
16 Swarnim Surakchhit Plus Saving 
17 Other saving accounts 
18 Subhalabh Lagani Saving Account 6.00%
19 NRN Saving Account  7.00%
20 Call Account Up to 2.25%
 
Fixed Deposits
S. No. Product Interest Rate
 (Per Annum )
Payment on
1 Individual  New  Renew   
3 Months to less than 6 Months 8.50% 8.50% Monthly or Quarterly or at Maturity
6 Months to less than 1 Year 9.00% 9.00%
1 Year and Above 9.50% 9.50%
2 Institutional  New  Renew   
3 Months to less than 6 Months 8.00% 8.00% Monthly or Quarterly or at Maturity
6 Months to less than 1 Year 8.50% 8.50%
1 Year and Above 9.00% 9.00%
Recurring Deposits (Individual)
S. No. Product Interest Rate
(per annum )
Payment on
  Recurring Deposit 8.50% Quarterly 
  Sunaulo Bhabisya Recurring Deposit 8.50%
 
Loans & Advances
S. No. Products Interest Rate (Per Annum )
(base rate+ premium )(%)
1 Loan against FD  Upto 3% on coupon rate or Base Rate whichever is higher
2 Consortium Loan As per consortium decision
3 Deprived Sector Loan Base Rate + upto 5%
4 All others loans and advances Base Rate + upto 7%
Base Rate as of Shrawan 2078 8.10%
*Rs 100 will be deposited by the bank
Fixed Rate for Personal Term Loans - 13.99% p.a.