Interest Rate

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Interest Rates on Deposit and Loan Products
p.a. Interest Rate (On daily Balance)
(Effective From 19/05/2074)
Fixed Deposit Interest Rate p.a.
Upto 6 months 11.00%
1 year 12.00%
2 years 9.00%
Interest Rate Negotiable for bulk deposit/institutions
Call Deposit Upto 7.10%
Jyoti Sajilo Nichhep Khata(Recurring) Interest Rate p.a.
For 1 year 6.50%
For 2 years 6.75%
For 3 years 7.00%
   
Saving Products Min Bal. Interest Rate p.a.
Jyoti Sadharan Bachat Khata RS. 0 7.10%
Jyoti Premium Bachat Khata RS. 1,000 7.10%
Jyoti Ansiyar Bachat Khata RS. 100 7.50%
Jyoti Karmachari Bachat Khata RS. 0 7.10%
Jyoti Dampati Bachat Khata RS. 25,000 7.10%
Jyoti Dampati Bachat Yojana RS. 100,000 7.25%
Jyoti Bal Bachat Khata RS. 1000 7.10%
Jyoti Bal Kalyan Bachat Khata RS. 100,000 7.25%
Jestha Nagarik Khata RS. 10,000 7.10%
Jestha Nagarik Samman Khata RS. 25,000 7.25%
Dibya Jyoti Bachat Khata RS. 500 7.10%
Nari Bachat Khata RS. 1,000 7.10%
Nari Samman Bachat Khata RS. 25,000 7.25%
Staff Saving Account RS. 0 7.50%
Jyoti Super Premium Khata RS. 10,000 7.10%
Jyoti Super Premium Bachat Khata RS. 100,000 7.25%
Sawari Chalak Surakshya Khata RS. 1,000 7.10%
ASBA Bachat Khata RS. 1 8.00%
FCY Deposit 0.25% p.a. to 2% p.a.
     
Interest Rates on Loans and Advances
Loan Products Rates Per Annum
Business Loan/W.C. & Term Loan 13.5% - 17%
Real Estate Loan 15% - 18%
Education Loan 13.5% - 17%
H.P. Loan Private 14% - 17%
H.P. Loan Commercial 15.5% - 18%
Mortgage Loan 16% - 18%
Personal Loan/OD/Others 16% - 18%
Loan Against Shares 13.5% - 18%
Gold and Silver Loan 13.5% -18%
Deprived Sector Loan Institutions: 11% - 16%
Individual:16% - 18%
Home Loan 14% - 17%
Agriculture Loan 15% - 18%
Byawasaik Yuwa Krishi Karja 6%
Jyoti MSME Loan 14% - 17%
Professional Loan 17%- 18%
Jyoti Microfinance Loan 16% - 18%
Loan Against Fixed Deposit +3% on coupon rate or 12% whichever higher
Base Rate (Ashad 2074) 12.47% Per Annum
Consortium Financing As per consortium decision





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