Interest Rate Deposits

    Effective From: 1st Chaitra, 2079 (March 15th, 2023)

    SAVINGS DEPOSIT (% Per annum)
      Minimum Balance (NPR) % Per Annum
    Kumari Smart Bachat Khata - 6.00
    Shareholders Saving Account - 6.00
    Twinkle Star Saving - 6.00
    Shuva Laxmi Bachat 100.00 6.00
    50 Plus Savings 100.00 6.00
    Kumari Swastha Jeevan Bachat Khata 5,000.00 6.00
    Kumari Utsav Bachat Khata 1,000.00 7.00
    Kumari Salary Saving -   6.00
    Kumari Big Savings Khata 5,000.00 6.00
    Kumari Social Security Allowance Khata -   6.00
    Kumari Remit Bachat Khata -   7.00
    Kumari Remit IPO Saving Account 1,000.00 8.00
    Nagarik Bachat Khata 10.00 6.00
    Sabaiko Bachat Khata - 6.00
    Grameen Bachat Khata - 6.00
    Kumari Pariwar Surakchya Bachat Khata 10,000.00 6.00
    Youth Saving Account 20.00 6.00
    Kumari Premium Salary Account -   6.00
    Chhori Bachat Khata
    (only for Karnali Province, with province-office recommendation)

    -  

    8.00
    Rastra Gaurab Bachat Khata - 6.00
    Kumari Gajjabko Bachat Khata 25,000.00 8.00
    Saving Deposit Premium 10,000.00 6.00
    Kumari Dhanabriddhi Bachat Khata 15,000.00 7.00
    LCY Call Account - Upto 3
    NRN Saving Account USD 1,000.00 6.00
    FCY Deposit  Saving  Call
    USD  5.75 2.875
    EUR 4.00 2.00
    GBP 4.75 2.375
    AUD 5.10 2.550
    CAD 5.75 2.875
    JPY 2.40 1.200
    CNY 6.15 3.075
    Other FCY Account Available on request   
    A. FIXED DEPOSIT INTEREST RATE (% Per Annum)
    1. INDIVIDUAL FIXED DEPOSIT  (% per annum)
    Fixed Deposit Normal
    3 Months and Above 11.00
    Kumari Remit Fixed Deposit   
    3 Months and above 12.00
    Recurring Fixed Deposit
    6 month/1 Year / 2 Years / 3 Years 11.00
    Fixed Deposit Plus   
    3 months and above 11.00
    Individual FCY Fixed Deposit for 3 months and Above (For Institutional 6 months and above)
    USD Fixed Deposit  7.25
    EUR Fixed Deposit 5.50
    GBP Fixed Deposit 6.25
    AUD Fixed Deposit 6.60
    CAD Fixed Deposit 7.25
    JPY Fixed Deposit 3.90
    CNY Fixed Deposit 7.65
    For other FCY Fixed Deposit  Available on request 
    NRN FCY Fixed Deposit Available on request 
    2. INSTITUTIONAL FIXED DEPOSIT (% per annum) Bidding
    Fixed Deposit Normal    
    6 Months and above 9.000 Additional 0.5%
    3. Kumari Maha Muddati (Individual) Minimum Balance Duration
    Kumari Maha Muddati 2X 10,000.00 6 Years 5 Months 15 Days
    Kumari Maha Muddati 4X 10,000.00 13 Years 12 Days
    Kumari Maha Muddati 10X 10,000.00 21 Years 9 Months 24 Days
    4. Kumari Jeevan Beema 2X Muddati Khata Plus 50,000.00 6 Years 8 Months 9 Days 
    Note: 

    1.Terms and conditions (including Minimum Balance) for various savings deposits and fixed deposits will be as per the prevailing bank rule.

    2. Interest Rates on consortium financing shall as per consortium decision. 
    3.  In case of any regulated loan, premium rates shall be applicable as per the circulars issued by NRB.
    4. For FCY remit deposit the bank can provide minimum 1% over published rate of respective currency.
    5. Interest Payment frequency shall be on quarterly basis.
    6. All other terms and conditions of products and services shall remain unchanged.