Interest Rate

Interest Rates on Deposit and Loan Products
p.a. Interest Rate (On daily Balance)
(Effective From 24/01/2074)
Fixed Deposit Interest Rate p.a.
Upto 6 months 12.00%
1 year and above 12.00%
Negotiable for Bulk and Institutional FD  
Jyoti Sajilo Nichhep Khata(Recurring) Interest Rate p.a.
For 1 year 6.50%
For 2 years 6.75%
For 3 years 7.00%
   
Institutional Deposit Product
Call Depost Upto 6.25%
   
Saving Products Min Bal. Interest Rate p.a.
Jyoti Sadharan Bachat Khata RS. 0 6.25%
Jyoti Premium Bachat Khata RS. 1,000 6.25%
Jyoti Ansiyar Bachat Khata RS. 100 7.50%
Jyoti Karmachari Bachat Khata RS. 0 6.25%
Jyoti Dampati Bachat Khata RS. 25,000 6.25%
Jyoti Dampati Bachat Yojana RS. 100,000 6.50%
Jyoti Bal Bachat Khata RS. 1000 6.25%
Jyoti Bal Kalyan Bachat Khata RS. 100,000 6.50%
Jestha Nagarik Khata RS. 10,000 6.25%
Jestha Nagarik Samman Khata RS. 25,000 6.50%
Dibya Jyoti Bachat Khata RS. 500 6.25%
Nari Bachat Khata RS. 1,000 6.25%
Nari Samman Bachat Khata RS. 25,000 6.50%
Staff Saving Account RS. 0 7.50%
Jyoti Super Premium Khata RS. 10,000 6.25%
Jyoti Super Premium Bachat Khata RS. 100,000 6.50%
Sawari Chalak Surakshya Khata RS. 1,000 6.25%
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 14%-17%
Real Estate Loan 15%-18%
Education Loan 14%-17%
H.P. Loan Private 14%-17%
H.P. Loan Commercial 15%-18%
Mortgage Loan 15%-18%
Personal Loan/OD/Others 15%-18%
Loan Against Shares 14%-17%
Gold and Silver Loan 14%-17%
Deprived Sector Loan Institutions: 12%-15%
Individual: 15%-17%
Home Loan 14%-17%
Agriculture Loan 14%-17%
Byawasaik Yuwa Krishi Karja 6%
Jyoti MSME Loan 14%-17%
Professional Loan 18%
Jyoti Microfinance Loan 14%-17%
Loan Against Fixed Deposit +3% on coupon rate or 12% whichever higher
Consortium Financing As per consortium decision





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