March.12, 2021
Tax on Bonus Share List
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July.15, 2020
List of non‐operative account for 10 years as on 2077 Ashad 31(15 july 2020)
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Interest Rates- Published on Apr 14, 2021

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

3 months

Individual

Institutional

7.00%

6.50%(Renewal Only)

6 months

Individual

Institutional

8.00%

7.50%

9 months

Individual

Institutional

8.25%

7.75%

1 Year

Individual

Institutional

8.50%

8.25%

Call Deposit   Up to 1.75%
PRODUCT INFO Saving Deposits Min Balance Interest Rate p.a.
{{jyoti-bumper-saving}}-{{3.00;3.00;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti Bumper Saving Account Rs. 1 3.50%
{{jyoti-premium-bachat-khata}}-{{3.00;3.00;NRs. 10,000;Quaterly Basis}}-{{yes}} Jyoti Premium Savings Account Rs. 10,000 3.50%
{{jyoti-salary-saving-account-}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Salary Savings Account RS. 0 3.50%
{{sawari-chalak-surakshya-khatas}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} Sawari Chalak Surakshya Khata RS. 100 3.50%
{{jyoti-ansiyar-bachat-khata}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Ansiyar Bachat Khata RS. 100 3.50%
{{jyoti-asba-bachat-khatas}}-{{3.00;3.00;NRs. 1;Quaterly Basis}}-{{yes}} Jyoti ASBA Bachat Khata RS. 1 3.50%
{{jyoti-dampati-bachat-yojana}}-{{3.00;3.00;NRs. 5000;Quaterly Basis}}-{{yes}} Jyoti Dampati Bachat Yojana RS. 5,000 3.50%
{{jyoti-bal-bachat-khata}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} Jyoti Bal Bachat Khata RS. 100 3.50%
{{jyoti-jestha-nagrik-khata}}-{{3.00;3.00;NRs. 500;Monthly Basis}}-{{yes}} Jyoti Jestha Nagarik Khata RS. 500 3.50%
{{jyoti-samriddhi-bachat-khata}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} Jyoti Samridhi Bachat Khata RS. 0 3.50%
{{hamro-surakshit-bachat-khata}}-{{3.00;3.00;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}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} Remittance Khata RS. 0 3.50%
{{nari-samman-bachat-khata}}-{{3.50;3.50;NRs. 1000;Monthly Basis}}-{{yes}} Nari Samman Bachat Khata RS. 1,000 3.50%
  Muwabja Bachat Khata RS. 0 5.50%
{{staff-saving-account}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} Staff Saving Account RS. 0 3.50%
  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(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%    
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 (Poush End 2077)   8.82%    
Consortium Financing    As per Consortium Decision    

 

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