Effective from 2081.01.01 (2024/04/13)
Interest Rates on Deposits ( p.a. on daily basis)
Fixed Deposits | Individual | Institutional | |
---|---|---|---|
3 Months | 5.50% | - | |
6 Months to below 1 Year | 6.50% | 5.50% | |
1 Year to 3 Years | 7.50% | 6.25% | |
Above 3 Years | 7.75% | 6.75% | |
Recurring Deposit | |||
Product Name | Minimum Monthly Balance | Interest Rate (% p.a.) | |
Jyoti Recurring Deposit | Rs. 500 | 7.50% | |
Jyoti Dui Guna Deposit | |||
Product Name | Tenure | Interest Rate(%) | |
Jyoti Dui Guna (Individual) | 9 Years 0 Months | 7.50% | |
Call Deposit | Up to 1.5% |
Product Rate | SN | Saving Deposits | Minimum Balance | Interest Rate p.a (%) |
---|---|---|---|---|
{{jyoti-bumper-saving}}-{{3.00;3.00;NRs. 1;Quaterly Basis}}-{{yes}} | 1 | Jyoti Bumper Saving Account | Rs. 1 | 3.00% |
{{jyoti-premium-bachat-khata}}-{{5.00;5.00;NRs. 10,000;Quaterly Basis}}-{{yes}} | 2 | Jyoti Premium Savings Account | Rs. 10,000 | 5.00% |
{{jyoti-salary-saving-account-}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} | 3 | Jyoti Salary Savings Account | RS. 0 | 3.00% |
{{sawari-chalak-surakshya-khatas}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} | 4 | Sawari Chalak Surakshya Khata | RS. 100 | 3.00% |
{{jyoti-ansiyar-bachat-khata}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} | 5 | Jyoti Ansiyar Bachat Khata | RS. 100 | 3.00% |
{{jyoti-asba-bachat-khatas}}-{{5.00;5.00;NRs. 1;Quaterly Basis}}-{{yes}} | 6 | Jyoti ASBA Bachat Khata | RS. 1 | 5.00% |
{{jyoti-dampati-bachat-yojana}}-{{3.00;3.00;NRs. 5000;Quaterly Basis}}-{{yes}} | 7 | Jyoti Dampati Bachat Yojana | RS. 5,000 | 3.00% |
{{jyoti-bal-bachat-khata}}-{{3.00;3.00;NRs. 100;Quaterly Basis}}-{{yes}} | 8 | Jyoti Bal Bachat Khata | RS. 100 | 3.00% |
{{jyoti-jestha-nagrik-khata}}-{{3.00;3.00;NRs. 500;Monthly Basis}}-{{yes}} | 9 | Jyoti Jestha Nagarik Khata | RS. 500 | 3.00% |
{{jyoti-samriddhi-bachat-khata}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}}
|
10 | Jyoti Samridhi Bachat Khata | RS. 0 | 3.00% |
{{hamro-surakshit-bachat-khata}}-{{3.00;3.00;NRs. 3000;Quaterly Basis}}-{{yes}} | 11 | Hamro Surakshit Bachat Khata | RS. 3,000 | 3.00% |
Micro Finance Saving | 12 | Micro Finance Saving | RS.100 | 3.00% |
Bhukampa Pidit Khata | 13 | Bhukampa Pidit Khata | RS. 0 | 3.00% |
{{remitance-saving-account}}-{{5.00;5.00;NRs. 0;Quaterly Basis}}-{{yes}} | 14 | Remittance Khata | RS. 0 | 5.00% |
{{nari-samman-bachat-khata}}-{{5.00;5.00;NRs. 1000;Monthly Basis}}-{{yes}} | 15 | Nari Samman Bachat Khata | RS. 1,000 | 5.00% |
Muwabja Bachat Khata | 16 | Muwabja Bachat Khata | RS. 0 | 3.00% |
{{staff-saving-account}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} | 17 | Staff Saving Account | RS. 0 | 3.00% |
Samajik Surakshya Khata | 18 | Samajik Surakshya Khata | RS. 0 | 3.00% |
{{jyoti-smart-savings-account}}-{{3.00;3.00;NRs. 0;Quaterly Basis}}-{{yes}} | 19 | Jyoti Smart Savings Account | RS. 0 | 3.00% |
Super Smart Savings Account | 20 | Super Smart Savings Account | RS. 15 | 5.00% |
Foreign Currency Deposits | Minimum Balance | Interest rate(%p.a.) |
---|---|---|
Call Deposits | - | 1.00% |
Saving Deposits | - | 2.00% |
Fixed Deposits | - | 4.00% |
*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 5.00% | |
2 | Education Loan | Base Rate + up to 5.00% | |
3 | H.P. Loan Private | Base Rate + up to 5.00% | 13.00% - 15.00% |
4 | H.P. Loan Commercial | Base Rate + up to 5.00% | |
5 | Mortgage Loan | Base Rate + upto 5.00% | |
6 | Personal Loan/OD/Others | Base Rate + up to 5.00% | |
7 | Loan Against Shares | Base Rate + up to 5.00% | |
8 | Gold and Silver Loan | Base Rate + up to 5.00% | |
9 | Deprived Sector Loan (Institutional) | Base Rate + up to 5.00% | |
10 | Deprived Sector Loan (Individual) | Base Rate + up to 5.00% | |
11 | Home Loan | Base Rate + up to 5.00% | 13.00% - 15.00% |
12 | Professional Loan | Base Rate + up to 5.00% | |
13 | Subsidized Loan Under Various Scheme | Base Rate + up to 2.00% | |
14 | Startup -Flexi Loan | Base Rate +up to 5.00% | |
15 | Loan against Life Insurance Policy | Base Rate + up to 5.00% | |
16 | Jyoti Microfinance Loan | Base Rate + up to 5.00% | |
17 | Jyoti Pariwartankari karja | Base Rate + up to 5.00% | |
18 | Loan Against Fixed Deposit | Up to 2% on Coupon rate | |
Consortium Financing | As per Consortium Decision | ||
Base Rate (Poush 2080 to Falgun 2080) | 10.39% |