Interest Rate (Per Annum) Effective from 2079/05/01 (17 August, 2022)

Interest Rate on Various Products :

Products Type	Minimun Balance
Margin, Loan Operating, Current, FD Matured Accounts	0 to 5000.00

Interest Rate on Call Deposits Account :

CALL DEPOSITS	Minimum Balance	Quarterly Int.Paying(Min/Max)
Co-Ops Call Account	1000.00	upto 3.5%
BFI Call Account	5000.00	upto 3.5 %
Corporate Call Account	100.00	upto 3.5 %
Call Account Others	100.00	upto 3.5%
Special Call Account	5000.00	1.00%

Interest Rate on Saving Deposits Account :

SAVING DEPOSITS	Minimum Balance	Monthly Int.Paying	Quarterly Int.Paying
Staff Saving Account	–	–	7.50 %
Normal Saving Account	–	–	7.00 %
Bal Bhabhishya Bachat	100.00	–	7.00 %
Pewa Bachat	200.00	–	7.00 %
Nari Bachat	100.00	7.00 %	–
Jestha Nagarik Bachat	500.00	7.00 %	–
Gurkha Saving	500.00	–	7.00 %
Salary Saving	500.00	–	7.00 %
Shareholder’s Saving	100.00	–	7.50 %
Shangri-La Super Premium Bachat	1000.00	–	7.25 %
Bidhharthi Bachat	–	–	6.55 %
Remittance Saving	100.00	–	7.00 %
Group Saving-MF	–	–	7.00 %
Personal Saving-MF	–	–	7.00 %
Micro Finance Saving	5000.00		7.00 %
Providend Fund Account	–	–	6.55 %
Recurring Account	100.00	–	7.00 %
Samajik Surakchya Bachat	–	–	7.00 %
Shangri-La Sambriddhi Bachat	5,000.00	7.25 %
Sunaulo Remittance	100.00		9.55 %
Shangri-La Pay roll Account	–	8.25 %
Shangrila Naulo Bachat Account	25,000.00	7.50 %
Mero Shangri-La Bachat Khata	5,000		8.55 %

Interest Rate on Fixed Deposits Account:

Period	Interest Rate (Monthly/Quarterly/ Maturity)
Individual
3 Months and Above	12.00%
*Shangri-la Achamma Ko Muddati Khata       (6 Months)	12.00%
Remittance Fixed Deposit   (3 Months and Above)	13.00%
Ek ko Dui Muddati (Principal Amount double in 6 years )
Shangri-la Muddati Dhamaka Yozana	4 Guna	5 Guna	10 Guna
	12 Years 2 Month and 14 Days	14 Years 2 Months and 1Day	20 Years 3 Months and 14 Days
Institutional
Period	New
3 Months and Above	10.00%

Interest Rate on Individual Loan Account :

Individual Loans	Premium Rate(%)
Personal OD	upto 10
Easy Term- Normal	upto 9
Home Loan	upto 8
Hire Purchase Loan	upto 9
Share/Security Loan	upto 9
Guarantee Loan	upto 10
Gold And Silver Loan	upto 7.5
Foreign Employment	upto 8
Educational Loan	upto 8
Auto Loan – Private	upto 9
Personal Demand Loan	upto 9
Consortium Loan	As per Agreement
Loan Against FDR	coupon Rate Plus 3%

Interest Rate on Corporate Loans  Account:

Corporate Loans	Premium Rate
Business OD	upto 8
Term Loan	upto 8
Demand Loan	upto 9
Vehicle Loan	upto 8

Interest Rate on Different Loans  Account :

Different Loans	Premium Rate(%)
SME Loan-OD	upto 9
SME Loan-Term	upto 9
Agriculture Loan-OD	upto 8
Agriculture Loan-Term	upto 8
Industry Loan-OD	upto 8
Industry Loan-Term	upto 8
Energy Loan-OD	upto 8
Energy Loan-Term	upto 8
Tourism Loan-OD	upto 8
Tourism Loan-Term	upto 8
Real Estate Loan-OD	upto 10
Real Estate Loan-Term	upto 10
Bridge Gap Loan	upto 8

Fixed Rate for Personal Term Loan :

Personal Term Loan(Time span)	Interest Rate(%)
Upto 7 years	upto 18 %

Interest Rate on Deprived Sector Loan Account :

Deprived Section Loans	Interest Rate(%)
Deprived-General	upto 10
Seasonal Loan	upto 10
Micro Enterprise	upto 10
Low – Cost Housing	upto 10
Deprived Loan-Other	upto 10
Micro Hydro	upto 10
Wholesale Lending	upto 8
Base Rate : 11.26%	As of Ashar End , 2079

CLICK HERE to view our old interest rate

Note :

• Others Charges and fees will be as published in the Website.
• This shall be taken as formal notice of change of rate to all customer,all customer are required to contact concerned branches for revised interest rate and new schedules.
• Interest Rate in case of Loans and Advances shall be Base rate plus Premium rate as mention above.
• Derived Sector Loans: In case of derived sector loans to Senior Citizens, Dalit, Mukta Kamaiya, Baadi, Haliya, War Victim, Single Women and differently abled people, Interest rate below 1% than the published rate shall be applicable.