September.23, 2022
Selected Candidates for the post of Management Trainee for Group Discussion
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September.23, 2022
Selected Candidates for the post of Junior Assistant (Contract) for Interview
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September.06, 2022
List of Non-operative account since 10 years as on 32/03/2079 B.S(16/07/2022 A.D)
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February.23, 2022
JBBL Negative tax list (F.Y. 2077-078)
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February.01, 2022
Notice to update Mobile Number
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January.26, 2022
JBBL Dividend Rejection List
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January.25, 2022
Mr. Hari Chandra Khadka appointed as Chairman of Jyoti Bikash Bank Limited
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November.29, 2021
List of non‐operative account for 10 years
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August.01, 2021
Subsidy Loan Customer List for Fiscal year 2077-78
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Interest Rates- Published on Sep 16, 2022

Effective from 2079.06.01 (2022/09/17)

Interest Rates on  Deposits ( p.a. on daily basis)

Fixed Deposit    
3 Months and Above Individual 13.00%
Institutional 11.00%
Recurring Deposit  
Product Name Minimum Monthly Balance Interest Rate (% p.a.)
Jyoti Recurring Deposit Rs. 500 11.00%
Jyoti Dui Guna Deposit  
Product Name Tenure Eligible Customer
Jyoti Dui Guna Normal 5 Years & 5 Months Individual
Jyoti Dui Guna Remittance 5 Years  Individual for Remittance Fund
Call Deposit Up to 4.00%
Product Rate SN Saving Deposits Minimum Balance Interest Rate p.a (%)
{{jyoti-bumper-saving}}-{{8.00;8.00;NRs. 1;Quaterly Basis}}-{{yes}} 1 Jyoti Bumper Saving Account Rs. 1 8.00%
{{jyoti-premium-bachat-khata}}-{{8.00;8.00;NRs. 10,000;Quaterly Basis}}-{{yes}} 2 Jyoti Premium Savings Account Rs. 10,000 8.00%
{{jyoti-salary-saving-account-}}-{{8.00;8.00;NRs. 0;Quaterly Basis}}-{{yes}} 3 Jyoti Salary Savings Account RS. 0 8.00%
{{sawari-chalak-surakshya-khatas}}-{{8.00;8.00;NRs. 100;Quaterly Basis}}-{{yes}} 4 Sawari Chalak Surakshya Khata RS. 100 8.00%
{{jyoti-ansiyar-bachat-khata}}-{{8.00;8.00;NRs. 100;Quaterly Basis}}-{{yes}} 5 Jyoti Ansiyar Bachat Khata RS. 100 8.00%
{{jyoti-asba-bachat-khatas}}-{{8.00;8.00;NRs. 1;Quaterly Basis}}-{{yes}} 6 Jyoti ASBA Bachat Khata RS. 1 8.00%
{{jyoti-dampati-bachat-yojana}}-{{8.00;8.00;NRs. 5000;Quaterly Basis}}-{{yes}} 7 Jyoti Dampati Bachat Yojana RS. 5,000 8.00%
{{jyoti-bal-bachat-khata}}-{{8.00;8.00;NRs. 100;Quaterly Basis}}-{{yes}} 8 Jyoti Bal Bachat Khata RS. 100 8.00%
{{jyoti-jestha-nagrik-khata}}-{{8.00;8.00;NRs. 500;Monthly Basis}}-{{yes}} 9 Jyoti Jestha Nagarik Khata RS. 500 8.00%
{{jyoti-samriddhi-bachat-khata}}-{{8.00;8.00;NRs. 0;Quaterly Basis}}-{{yes}}
10 Jyoti Samridhi Bachat Khata RS. 0 8.00%
{{hamro-surakshit-bachat-khata}}-{{9.00;9.00;NRs. 3000;Quaterly Basis}}-{{yes}} 11 Hamro Surakshit Bachat Khata RS. 3,000 9.00%
Micro Finance Saving 12 Micro Finance Saving RS.100 8.00%
Bhukampa Pidit Khata 13 Bhukampa Pidit Khata RS. 0 8.00%
{{remitance-saving-account}}-{{9.00;9.00;NRs. 0;Quaterly Basis}}-{{yes}} 14 Remittance Khata RS. 0 9.00%
{{nari-samman-bachat-khata}}-{{9.00;9.00;NRs. 1000;Monthly Basis}}-{{yes}} 15 Nari Samman Bachat Khata RS. 1,000 9.00%
Muwabja Bachat Khata 16 Muwabja Bachat Khata RS. 0 8.00%
{{staff-saving-account}}-{{8.00;8.00;NRs. 0;Quaterly Basis}}-{{yes}} 17 Staff Saving Account RS. 0 8.00%
Samajik Surakshya Khata 18 Samajik Surakshya Khata RS. 0 8.00%
{{jyoti-smart-savings-account}}-{{8.00;8.00;NRs. 0;Quaterly Basis}}-{{yes}} 19 Jyoti Smart Savings Account RS. 0 8.00%
Foreign Currency Deposits Minimum Balance Interest rate(%p.a.)
Call Deposits -                                          2.50%         
Saving Deposits -          5.00%
Fixed Deposits - 8.00%

*Rate for Remittance Deposit : Additional Minimum 1% 

*Rate for Renewal of Institutional Fixed Deposit (Bidding): Additional 0.5%

  Loan and Advances (p.a. on daily basis)    
SN Loan Products Floating Rate (%) Fixed Rate (%)
1 Business Loan(Corporate/SME/Agriculture/Real Estate) Base Rate + up to 7.00%  
2 Education Loan Base Rate + up to 7.00%  
3 H.P. Loan Private Base Rate + up to 7.00% 14.00% - 17.00%
4 H.P. Loan Commercial Base Rate + up to 7.00%  
5 Mortgage Loan Base Rate + upto 7.00%  
6 Personal Loan/OD/Others Base Rate + up to 7.00% 14.00% - 17.00%
7 Loan Against Shares Base Rate + up to 7.00%  
8 Gold and Silver Loan Base Rate + up to 7.00%  
9 Deprived Sector Loan (Institutional) Base Rate + up to 7.00%  
10 Deprived Sector Loan (Individual) Base Rate + up to 7.00%  
11 Home Loan Base Rate +  up to 7.00% 13.00% - 16.00%
12 Professional Loan Base Rate + up to 7.00%  
13 Subsidized Loan Under Various Scheme Base Rate + up to 2.00%  
14 Startup -Flexi Loan Base Rate +up to 7.00%  
15 Loan against Life Insurance Policy Base Rate + up to 7.00%  
16 Jyoti Microfinance Loan Base Rate + up to 7.00%  
17 Jyoti Pariwartankari karja Base Rate + up to 7.00%  
18 Byawasaya Jeevan Raksha Karja Base Rate +  3.00%  
19 Loan Against Fixed Deposit Up to 2% on Coupon rate or Base Rate whichever is higher  
  Consortium Financing  As per Consortium Decision  
  Base Rate (Ashad End 2079) 11.13%  

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