Jyoti Bikash Bank

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Interest Rate

Annexure I
Interest Rates on Deposit and Loan Products
PA Interest Rate (On daily Balance)
(Effective From 21/12/2074)
 
Fixed Deposit Interest Rate PA
Up to 1 year 12.00%
Above 1 year to 2 Years 11.00%
Above 2 Years 9.00%
 
Interest Rate Negotiable for Bulk deposit / Institutional deposit
Call Deposit Upto 7.50%
 
Saving Products Min Balance Interest Rate PA
Jyoti Sadharan Bachat Khata RS. 0 7.50%
Jyoti Premium Bachat Khata RS. 1,000 7.50%
Jyoti Ansiyar Bachat Khata RS. 100 7.50%
Jyoti Karmachari Bachat Khata RS. 0 7.50%
Jyoti Dampati Bachat Khata RS. 25,000 7.50%
Jyoti Dampati Bachat Yojana RS. 100,000 7.75%
Jyoti Bal Bachat Khata RS. 1,000 7.50%
Jyoti Bal Kalyan Bachat Khata RS. 100,000 7.75%
Jestha Nagarik Khata RS. 10,000 7.50%
Jestha Nagarik Samman Khata RS. 25,000 7.75%
Dibya Jyoti Bachat Khata RS. 500 7.50%
Nari Bachat Khata RS. 1,000 7.50%
Nari Samman Bachat Khata RS. 25,000 7.75%
Staff Saving Account RS. 0 7.50%
Jyoti Super Premium Khata RS. 10,000 7.50%
Jyoti Super Premium Bachat Khata RS. 100,000 7.75%
Sawari Chalak Surakshya Khata RS. 1,000 7.50%
Jyoti MF Saving Rs.100 7.50%
Jyoti Bumper Saving Account Rs. 1000 8.75%
ASBA Bachat Khata Re.  1 8.00%
FCY Deposit 0.25% p.a. to 2% p.a.
     
Interest Rates on Loans and Advances
Loan Products Interest Rate (% per annum)*
Business Loan/W.C. & Term Loan Base Rate + 1.03% to 4.53%
Real Estate Loan Base Rate + 2.53% to 5.53%
Education Loan Base Rate + 1.03% to 4.53%
H.P. Loan Private Base Rate + 1.53% to 4.53%
H.P. Loan Commercial Base Rate + 3.03% to 5.53%
Mortgage Loan Base Rate + 3.53% to 5.53%
Personal Loan/OD/Others Base Rate + 3.53% to 5.53%
Loan Against Shares Base Rate + 1.03% to 5.53%
Gold and Silver Loan Base Rate + 1.03% to 5.53%
Deprived Sector Loan 11% - 16%
Base Rate + 3.53% to 5.53%
Home Loan Base Rate + 1.53% to 4.53%
Agriculture Loan Base Rate + 2.53% to 5.53%
Jyoti MSME Loan Base Rate + 1.53% to 4.53%
Professional Loan Base Rate + 4.53% to 5.53%
Jyoti Microfinance Loan Base Rate + 3.53% to 5.53%
Loan Against Fixed Deposit  + 3% on Coupon rate or 12% whichever higher
Base Rate (Poush 2074) 12.47%  
Consortium Financing As per Consortium Decision





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