March.06, 2020
12.75% Bonus Share Tax List
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Interest Rates- Published on Nov 13, 2020

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

3 months and above less than 6 months

Individual

Institutional

7.00%

6.50%(Renewal Only)

6 months and above less than 1 year

Individual

Institutional

8.00%

6.50%

1 Year and above less than 2 years

Individual

Institutional

8.50%

8.00%

2 years and above less than 5 years 

Individual

Institutional

9.00%

8.00%

5 years and above less than 8 years 

Individual

Institutional

9.50%

9.00%

8 years and above 

Individual

Institutional

10.00%

9.50%

Call Deposit   Up to 1.75%
PRODUCT INFO Saving Deposits Min Balance Interest Rate p.a.
{{jyoti-bumper-saving}}-{{3.50;2.50;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti Bumper Saving Account Rs. 1 3.50%
{{jyoti-premium-bachat-khata}}-{{3.50;3.50;NRs. 10,000;Quaterly Basis}}-{{yes}} Jyoti Premium Savings Account Rs. 10,000 3.50%
{{jyoti-salary-saving-account-}}-{{3.50;3.50;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Salary Savings Account RS. 0 3.50%
{{sawari-chalak-surakshya-khatas}}-{{3.50;3.50;NRs. 100;Quaterly Basis}}-{{yes}} Sawari Chalak Surakshya Khata RS. 100 3.50%
{{jyoti-ansiyar-bachat-khata}}-{{3.50;3.50;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Ansiyar Bachat Khata RS. 100 3.50%
{{jyoti-asba-bachat-khatas}}-{{3.50;3.50;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti ASBA Bachat Khata RS. 1 3.50%
{{jyoti-dampati-bachat-yojana}}-{{3.50;3.50;NRs. 5000;Quaterly Basis}}-{{yes}} Jyoti Dampati Bachat Yojana RS. 5,000 3.50%
{{jyoti-bal-bachat-khata}}-{{3.50;3.50;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Bal Bachat Khata RS. 100 3.50%
{{jyoti-jestha-nagrik-khata}}-{{3.50;3.50;NRs. 500;Monthly Basis}}-{{yes}} Jyoti Jestha Nagarik Khata RS. 500 3.50%
{{jyoti-samriddhi-bachat-khata}}-{{3.50;3.50;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Samridhi Bachat Khata RS. 0 3.50%
{{hamro-surakshit-bachat-khata}}-{{3.50;3.50;NRs. 3000;Quaterly Basis}}-{{yes}} Hamro Surakshit Bachat Khata RS. 3,000 3.50%
  Micro Finance Saving RS.100 3.50%
  Bhukampa Pidit Khata RS. 0 3.50%
{{remitance-saving-account}}-{{3.50;3.50;NRs. 0;Quaterly Basis}}-{{yes}} Remittance Khata RS. 0 3.50%
{{nari-samman-bachat-khata}}-{{4.00;4.00;NRs. 1000;Monthly Basis}}-{{yes}} Nari Samman Bachat Khata RS. 1,000 4.00%
  Muwabja Bachat Khata RS. 0 5.50%
{{staff-saving-account}}-{{4.00;4.00;NRs. 0;Quaterly Basis}}-{{yes}} Staff Saving Account RS. 0 4.00%
  Smajik Surakshya Khata RS. 0 3.50%
  Jyoti Saving Account (FCY Deposit) RS. 0 up to 2.00%
Interest Rates on Loan and Advances (p.a. on daily basis)
Loan Products Floating Rate(%) Fixed Rate(%)
Business Loan/W.C. & Term Loan   Base Rate + upto 5.00%    
Real Estate Loan   Base Rate + upto 5.00%    
Education Loan   Base Rate + upto 4.50%    
H.P. Loan Private   Base Rate + upto 5.00%   11% - 13%
H.P. Loan Commercial   Base Rate + upto 5.00%    
Mortgage Loan   Base Rate + upto 5.00%    
Personal Loan/OD/Others   Base Rate + upto 5.00%   12% - 14%
Loan Against Shares   Base Rate +  upto 4.00%    
Gold and Silver Loan   Base Rate + upto 5.00%    
Deprived Sector Loan Institutional Base Rate - 5.00% to +4.00%    
  Individual Base Rate +  upto 5.00%    
Home Loan   Base Rate +  upto 4.50%   11% - 13%
Agriculture Loan   Base Rate +  upto 5.00%    
Jyoti SME Loan   Base Rate +  upto 4.50%    
Professional Loan   Base Rate +  upto 5.00%    
Startup -Flexi Loan   Base Rate + 2.00%    
Jyoti Microfinance Loan   Base Rate + 5.00%    
Loan Against Fixed Deposit   + Up to 2% on Coupon rate    
Base Rate (Ashwin End 2077)   9.86%    
Consortium Financing    As per Consortium Decision    

 

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