Wednesday January 20, 2021
वि.सं २०७७ माघ ०७ बुधबार
Interest Rate Effective From 2077/10/01
INTEREST RATE ON DEPOSIT
| PRODUCT INFO | PRODUCT | INTEREST RATE(PER ANNUM) | PAYMENT ON | MINIMUM BALANCE |
|---|---|---|---|---|
| {{normal-saving-account}}-{{3.00;3.00;NRs. 500;Quaterly Basis}}-{{yes}} | 1. Normal Saving | 3.00% | Quarterly Basis | Rs. 500 |
| {{muktinath-premium-bachat}}-{{3.0;3.0;NRs. 1000;Quaterly Basis}}-{{yes}} | 2. Muktinath Premium Bachat | 3.00% | Quarterly Basis | Rs. 1000 |
| 3.Muktinath Special Premium Bachat | 3.00% | Quarterly Basis | Rs. 2000 | |
| {{muktinath-super-premium-saving-account}}-{{5.00;5.00;NRs. 5000;Quaterly Basis}}-{{yes}} | 4. Muktinath Super Premium Bachat | 5.00% | Quarterly Basis | Rs. 5000 |
| 5.Current Account | - | - | Rs. 5000 | |
| 6.Current Account Other * | - | - | Rs. 1000 | |
| {{mahila-pewa-bachat-khata}}-{{3.0;3.0;Nrs. 500;Quaterly Basis}}-{{yes}} | 7.Mahila Pewa Bachat | 3.00% | Quarterly Basis | Rs. 500 |
| {{sunaulo-bal-bachat}}-{{3.0;3.0;Nrs. 0;Quaterly Basis}}-{{yes}} | 8.Sunaulo Bal Shichha Bachat | 3.00% | Quarterly Basis | - |
| 9. Baidesik Rojgar Bachat | 3.00% | Quarterly Basis | Rs. 500 | |
| 10. Micro Personal Saving | 3.00% | Quarterly Basis | Rs. 100 | |
| 11. Other Micro Savings | 3.00% | Quarterly Basis | Rs. 100 | |
| {{karmachari-bachat}}-{{3.0;3.0;Nrs. 100;Quaterly Basis}}-{{yes}} | 12. Karmachari Bachat | 3.00% | Quarterly Basis | - |
| {{sharedhani-bachat-khata}}-{{3.0;3.0;Nrs. 100;Quaterly Basis}}-{{yes}} | 13. Sharedhani Bachat Khata | 3.00% | Quarterly Basis | Rs. 100 |
| 14. Beema Bachat | 3.00% | Quarterly Basis | Rs. 100 | |
| 15. Provident Fund Account | 3.00% | Quarterly Basis | - | |
| 16. Samajik Surakchha Bhatta Khata | 3.00% | Quarterly Basis | - | |
| 17. Aatmanirbhar Bachat Khata | 3.00% | Quarterly Basis | - | |
| {{sajilo-bachat-khata}}-{{3.0;3.0;Nrs. 0;Quaterly Basis}}-{{yes}} | 18. Sajilo Bachat | 3.00% | Quarterly Basis | - |
| {{mero-pahilo-bachat-khata}}-{{3.0;3.0;Nrs. 0;Quaterly Basis}}-{{yes}} | 19. Mero Pahilo Bachat Khata | 3.00% | Quarterly Basis | - |
| 20. Muktinath PMS Khata | 3.00% | Quarterly Basis | - | |
| 21. Muktinath Jeevan Bardan Bachat Khata | 3.50% | Monthly Basis | Rs.5000 | |
| 22.Muktinath Jeevan Bardan Plus Bachat Khata | 3.50% | Monthly Basis | Rs.5000 | |
| 23.Muktinath Jeevan Bardan Premium Bachat Khata | 3.50% | Monthly Basis | Rs.5000 | |
| 24. Byaktigat Upalabdhi Khata | 3.00% | Quarterly Basis | ||
| 25.Sansthagat Upalabdhi Khata | up to 1.50% | Quarterly Basis | ||
| 26. FCY Deposit ($,£,€,AUD) | up to 1.50% | Quarterly Basis | 10 | |
| 27.Call Depost Account | up to 1.50% | Quarterly Basis |
FIXED DEPOSIT (Effective from 2077/10/01)
| PRODUCT | INTEREST RATE(PER ANNUM) | PAYMENT ON | MINIMUM BALANCE |
|---|---|---|---|
| 1. Individual Fixed Deposit Product | |||
| 3 Months to below 6 months | 6.75% | Monthly/Quarterly | Rs.5000 |
| 6 Months to below 1 Year | 7.50% | Monthly/Quarterly | Rs.5000 |
| 1 Year and above | 8.00% | Monthly/Quarterly | Rs.5000 |
| 2. Institutional Fixed Deposit Product | |||
| 6 Months to below 1 Year | 6.50% | Monthly/Quarterly | Rs.5000 |
| 1 Year to 2 Years | 7.00% | Monthly/Quarterly | Rs.5000 |
| 3 Years to 5 Years | 7.50% | Monthly/Quarterly | Rs.5000 |
| 6 Years to 10 Years | 8.00% | Monthly/Quarterly | Rs.5000 |
| 3.Muktinath Pension Scheme | 8.00% | Monthly/Quarterly | Rs.50 |
| 4.Recurring Deposit | 6.50% to 8.00% | Monthly/Quarterly | Rs.500 |
LOAN AND ADVANCE
A.Loan with Floating Interest Rates
| PRODUCT | FLOATING INTEREST BAND |
|---|---|
| 1. Business Loan | Base Rate + Premium up to 4.50% |
| 2. Agriculture Loan | Base Rate + Premium up to 4.50% |
| 3. Home Loan (new construction & purchase) | Base Rate + Premium up to 4.50% |
| 4. Home Equity Loan | Base Rate + Premium up to 4.50% |
| 5. Auto Loan | Base Rate + Premium up to 5.00% |
| 6. Hirepurchase Loan(new) | Base Rate + Premium up to 5.00% |
| 7. Hirepurchase Loan(old) | Base Rate + Premium up to 5.00% |
| 8. Real Estate Loan | Base Rate + Premium up to 5.00% |
| 9. Personal Loan | Base Rate + Premium up to 5.00% |
| 10.Share Loan | Base Rate + Premium up to 4.50% |
| 11.Mortgage Loan | Base Rate + Premium up to 5.00% |
| 12.Professional Loan | Base Rate + Premium up to 4.50% |
| 13. Muktinath Sulav Byawasaya Karja | Base Rate + Premium up to 4.50% |
| 14. Consumer Loan | Base Rate + Premium up to 5.00% |
| 15. Gold Loan | Base Rate + Premium up to 4.50% |
| 16. Other Loans | Base Rate + Premium up to 5.00% |
| 17. Small & Micro Credit (Retail) | Base Rate + Premium up to 5.50% |
| 18. Small & Micro Credit (wholesale) | Base Rate + Premium up to 2.00% |
| 19. Loan Against Fixed Deposit (upto 90.00%) | Coupon Rate Plus 2.00% or Base Rate whichever is higher |
B.Fixed Interest Rate for Term Loan of Individual above 1 Year (As per NRB Unified Directive 15/077, clause number 14)
| B.1. For Normal Individual Term Loan | Interest Rate Per Annum | ||
|---|---|---|---|
| SN | Time Period | Minimum Rate | Maximum rate |
| 1 | Up to 5 Years | Base Rate of immediate previous month | up to 14.00% |
| 2 | More than 5 Years up to 10 Years | up to 14.25% | |
| 3 | More than 10 Years | up to 14.50% | |
| B.2 For Micro Finance Individual Term Loan | Interest Rate Per Annum | ||
|---|---|---|---|
| SN | Time Period | Minimum Rate | Maximum rate |
| 1 | Up to 5 Years | Base Rate of immediate previous month | up to 14.50% |
| 2 | More than 5 Years up to 10 Years | up to 14.75% | |
| 3 | More than 10 Years | up to 15.00% | |
| Base Rate as of Mangsir,2077 | 8.71% |
C. Other Information
i. The fixed interest rate for individual term loan of above 1 year shall remain unchanged for the entire tenure of the loan.
