Interest Rates

Effective from 2080.01.01 (2023/04/14)

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

Fixed Deposits	Individual	Institutional
3 Months	10.50%	-
6 Months to below 1 Year	10.50%	8.50%
1 Year and Above	10.60%	8.60%
Recurring Deposit
Product Name		Minimum Monthly Balance	Interest Rate (% p.a.)
Jyoti Recurring Deposit		Rs. 500	10.50%
Jyoti Dui Guna Deposit
Product Name		Tenure	Interest Rate(%)
Jyoti Dui Guna (Individual)		6 Years and 7 months	10.60%
Call Deposit		Up to 3.00%

Product Rate	SN	Saving Deposits	Minimum Balance	Interest Rate p.a (%)
{{jyoti-bumper-saving}}-{{6.00;6.00;NRs. 1;Quaterly Basis}}-{{yes}}	1	Jyoti Bumper Saving Account	Rs. 1	6.00%
{{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-}}-{{6.00;6.00;NRs. 0;Quaterly Basis}}-{{yes}}	3	Jyoti Salary Savings Account	RS. 0	6.00%
{{sawari-chalak-surakshya-khatas}}-{{6.00;6.00;NRs. 100;Quaterly Basis}}-{{yes}}	4	Sawari Chalak Surakshya Khata	RS. 100	6.00%
{{jyoti-ansiyar-bachat-khata}}-{{6.00;6.00;NRs. 100;Quaterly Basis}}-{{yes}}	5	Jyoti Ansiyar Bachat Khata	RS. 100	6.00%
{{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}}-{{6.00;6.00;NRs. 5000;Quaterly Basis}}-{{yes}}	7	Jyoti Dampati Bachat Yojana	RS. 5,000	6.00%
{{jyoti-bal-bachat-khata}}-{{6.00;6.00;NRs. 100;Quaterly Basis}}-{{yes}}	8	Jyoti Bal Bachat Khata	RS. 100	6.00%
{{jyoti-jestha-nagrik-khata}}-{{6.00;6.00;NRs. 500;Monthly Basis}}-{{yes}}	9	Jyoti Jestha Nagarik Khata	RS. 500	6.00%
{{jyoti-samriddhi-bachat-khata}}-{{6.00;6.00;NRs. 0;Quaterly Basis}}-{{yes}}	10	Jyoti Samridhi Bachat Khata	RS. 0	6.00%
{{hamro-surakshit-bachat-khata}}-{{6.00;6.00;NRs. 3000;Quaterly Basis}}-{{yes}}	11	Hamro Surakshit Bachat Khata	RS. 3,000	6.00%
Micro Finance Saving	12	Micro Finance Saving	RS.100	6.00%
Bhukampa Pidit Khata	13	Bhukampa Pidit Khata	RS. 0	6.00%
{{remitance-saving-account}}-{{8.00;8.00;NRs. 0;Quaterly Basis}}-{{yes}}	14	Remittance Khata	RS. 0	8.00%
{{nari-samman-bachat-khata}}-{{8.00;8.00;NRs. 1000;Monthly Basis}}-{{yes}}	15	Nari Samman Bachat Khata	RS. 1,000	8.00%
Muwabja Bachat Khata	16	Muwabja Bachat Khata	RS. 0	6.00%
{{staff-saving-account}}-{{6.00;6.00;NRs. 0;Quaterly Basis}}-{{yes}}	17	Staff Saving Account	RS. 0	6.00%
Samajik Surakshya Khata	18	Samajik Surakshya Khata	RS. 0	6.00%
{{jyoti-smart-savings-account}}-{{6.00;6.00;NRs. 0;Quaterly Basis}}-{{yes}}	19	Jyoti Smart Savings Account	RS. 0	6.00%

Foreign Currency Deposits	Minimum Balance	Interest rate(%p.a.)
Call Deposits	-	2.00%
Saving Deposits	-	3.00%
Fixed Deposits	-	7.50%

*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 (Poush End 2079)	12.76%

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Interest Rates- Published on Apr 13, 2023

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