Interest Rate



Fixed Deposit


Products Minimum Balance NPR Existing Rate p.a Interest Payment Mode
6 months N/A 9% Quarterly Payment
Upto 1 year N/A 10.75% Quarterly Payment
2 years N/A 10.50% Quarterly Payment
Above 2 Years N/A 10.00% Quarterly Payment
Institutional Deposit Products


Interest Rate Negotiable on - Institutional/Corporate and Bulk Deposit



Products Minimum Balance NPR Existing Rate p.a Interest Payment Mode
Jyoti Call Deposit Account/Special Call Deposit Account 5,000 upto 7.50% p.a Quarterly Payment
FCY Deposit 0.25% p.a.-2% p.a
Saving Deposit


Products Min. Balance Existing Rate p.a. Interest Payment Mode
Jyoti Sadharan Bachat Khata 0 7.50% Quarterly Payment
Jyoti Premium Bachat Khata 1,000 7.50% Quarterly Payment
Jyoti Anshiyar Bachat Khata 100 7.50% Quarterly Payment
Jyoti Karmachari Bachat Khata 0 7.50% Quarterly Payment
Jyoti Dampati Bachat Khata 25,000 7.75% Quarterly Payment
Jyoti Dampati Bachat Yojana 1,00,000 8% Quarterly Payment
Jyoti Bal Bachat Khata 1,000 7.50% Quarterly Payment
Jyoti Bal Kalyan Bachat Khata 1,00,000 8% Quarterly Payment
Jestha Nagarik Khata 10,000 7.50% Quarterly Payment
Jestha Nagarik Samman Khata 25,000 7.75% Quarterly Payment
Dibya Jyoti Bachat Khata 500 6.75% Quarterly Payment
Nari Bachat Khata 1,000 7.50% Quarterly Payment
Nari Samman Bachat Khata 25,000 7.75% Quarterly Payment
Staff Saving Account 0 8% Quarterly Payment
Jyoti Super Premium Khata 10,000 7.50% Quarterly Payment
Jyoti Super Premium Bachat Khata 1,00,000 8% Quarterly Payment
Sawari Chalak Surakshya Khata 1,000 7.50% Quarterly Payment
Jyoti Bumper Saving Account 1,000 7.75% Quarterly Payment
Jyoti ASBA Bachat Khata 1 7.75% Quarterly Payment
Jyoti Shramjivi Bachat Khata Nil 8.50% Quarterly Payment
Loan and Advances


Loan ProductsInterest Rate (% per annum)*
Business Loan/W.C. & Term LoanBase Rate + Up to 4.54%
Real Estate LoanBase Rate + Up to 5.54%
Education LoanBase Rate + Up to 4.54%
H.P. Loan PrivateBase Rate + Up to 4.54%
H.P. Loan CommercialBase Rate + Up to 5.54%
Mortgage LoanBase Rate + Up to 5.54%
Personal Loan/OD/OthersBase Rate + Up to 5.54%
Loan Against SharesBase Rate + Up to 5.54%
Gold and Silver LoanBase Rate + Up to 5.54%
Deprived Sector Loan11.00% - 16.00%
Base Rate + Up to 5.54%
Home LoanBase Rate + Up to 4.54%
Agriculture LoanBase Rate + Up to 5.54%
Jyoti MSME LoanBase Rate + Up to 4.54%
Professional LoanBase Rate + Up to 5.54%
Jyoti Microfinance LoanBase Rate + Up to 5.54%
Loan Against Fixed Deposit + 2% on Coupon rate or 12% whichever higher
Base Rate (Ashoj End 2075)12.46%
Consortium FinancingAs per Consortium Decision