September.22, 2021
Interest rate in Fixed Deposit
Learn More
September.16, 2021
House rent notice
Learn More
August.15, 2021
List of non‐operative account for 10 years as on 2078 Ashad 31(15 july 2021)
Learn More
August.01, 2021
Subsidy loan data asadh.pdf
Learn More
March.12, 2021
Tax on Bonus Share List
Learn More
July.15, 2020
List of non‐operative account for 10 years as on 2077 Ashad 31(15 july 2020)
Learn More

Interest Rates- Published on Oct 20, 2021

Interest Rates on  Deposits ( p.a. on daily basis)
Fixed Deposit Interest Rate p.a.

3 Months and Above

Individual

Institutional

9.50%

8.50%

Call Deposit   Up to 2.25%
PRODUCT INFO Saving Deposits Min Balance Interest Rate p.a.
{{jyoti-bumper-saving}}-{{4.50;4.50;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti Bumper Saving Account Rs. 1 4.50%
{{jyoti-premium-bachat-khata}}-{{4.50;4.50;NRs. 10,000;Quaterly Basis}}-{{yes}} Jyoti Premium Savings Account Rs. 10,000 4.50%
{{jyoti-salary-saving-account-}}-{{4.50;4.50;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Salary Savings Account RS. 0 4.50%
{{sawari-chalak-surakshya-khatas}}-{{4.50;4.50;NRs. 100;Quaterly Basis}}-{{yes}} Sawari Chalak Surakshya Khata RS. 100 4.50%
{{jyoti-ansiyar-bachat-khata}}-{{4.50;4.50;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Ansiyar Bachat Khata RS. 100 4.50%
{{jyoti-asba-bachat-khatas}}-{{4.50;4.50;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti ASBA Bachat Khata RS. 1 4.50%
{{jyoti-dampati-bachat-yojana}}-{{4.50;4.50;NRs. 5000;Quaterly Basis}}-{{yes}} Jyoti Dampati Bachat Yojana RS. 5,000 4.50%
{{jyoti-bal-bachat-khata}}-{{4.50;4.50;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Bal Bachat Khata RS. 100 4.50%
{{jyoti-jestha-nagrik-khata}}-{{4.50;4.50;NRs. 500;Monthly Basis}}-{{yes}} Jyoti Jestha Nagarik Khata RS. 500 4.50%
{{jyoti-samriddhi-bachat-khata}}-{{4.50;4.50;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Samridhi Bachat Khata RS. 0 4.50%
{{hamro-surakshit-bachat-khata}}-{{5.50;5.50;NRs. 3000;Quaterly Basis}}-{{yes}} Hamro Surakshit Bachat Khata RS. 3,000 5.50%
  Micro Finance Saving RS.100 4.50%
  Bhukampa Pidit Khata RS. 0 4.50%
{{remitance-saving-account}}-{{4.50;4.50;NRs. 0;Quaterly Basis}}-{{yes}} Remittance Khata RS. 0 4.50%
{{nari-samman-bachat-khata}}-{{4.50;4.50;NRs. 1000;Monthly Basis}}-{{yes}} Nari Samman Bachat Khata RS. 1,000 4.50%
  Muwabja Bachat Khata RS. 0 5.75%
{{staff-saving-account}}-{{4.50;4.50;NRs. 0;Quaterly Basis}}-{{yes}} Staff Saving Account RS. 0 4.50%
  Samajik Surakshya Khata RS. 0 4.50%
{{jyoti-smart-savings-account}}-{{5.75;3.00;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Smart Savings Account RS. 0 5.75%
  Jyoti Saving Account (FCY Deposit) RS. 0 up to 2.00%
  *Rate for Remittance Deposit : Additional 1% on top of above rates    
Interest Rates on Loan and Advances (p.a. on daily basis)
Loan Products   Floating Rate(%) Fixed Rate(%)
Business Loan(Corporate/SME/Agriculture/Real Estate)   Base Rate + upto 5.50%  
Education Loan   Base Rate + upto 5.00%  
H.P. Loan Private   Base Rate + upto 5.00% 11% - 13%
H.P. Loan Commercial   Base Rate + upto 5.50%  
Mortgage Loan   Base Rate + upto 5.50%  
Personal Loan/OD/Others   Base Rate + upto 5.50% 12% - 14%
Loan Against Shares   Base Rate +  upto 5.50%  
Gold and Silver Loan   Base Rate + upto 5.50%  
Deprived Sector Loan institutional  Base Rate - 5.00% to +5.00%  
  individual Base Rate +  upto 7.00%  
Home Loan   Base Rate +  upto 5.00% 11% - 13%
Professional Loan   Base Rate +  upto 5.50%  
Jyoti Pariwartankari karja   Base Rate + (3.00% to 5.00%)  
Subsidized Loan Under Various Scheme   Base Rate + 2.00%  
Startup -Flexi Loan   Base Rate + 2.00%  
Loan against Life Insurance Policy   Base Rate + upto 2.00%  
Jyoti Microfinance Loan   Base Rate + upto 7.00%  
Loan Against Fixed Deposit   + Up to 2% on Coupon rate  
Base Rate (Ashad End 2078)   8.42%  
Consortium Financing    As per Consortium Decision  

Quick & Easy Access