Effective from : September 17th, 2020 ( 1st Ashwin, 2077 )
| Deposit | Interest Rate | Minimum Balance(NPR) | |
|---|---|---|---|
| A.Saving Account: | |||
| Mahalaxmi Normal Saving | 4.00% | 100 | |
| Mahalaxmi Special Saving | 4.00% | 100 | |
| Mahalaxmi Grihalaxmi Bachat | 4.00% | 100 | |
| Mahalaxmi Student Saving Account | 4.00% | 100 | |
| Mahalaxmi Jesth Nagrik Bachhat | 4.00% | 100 | |
| Mahalaxmi Karmachari Bachat Khata | 5.00% | 100 | |
| Mahalaxmi Sambridhi Bachat | 4.00% | 100 | |
| Mahalaxmi Baal Bachat Khata | 4.00% | 100 | |
| Mahalaxmi Pension Bachat Khata | 4.00% | 100 | |
| Mahalaxmi Sharedhani Bachat | 4.00% | 100 | |
| Mahalaxmi Remitance Bachat | 4.00% | 100 | |
| Mahalaxmi Premium Bachat | 4.00% | 100 | |
| Mahalaxmi Dhana Barsa | 4.00% | 100 | |
| Mahalaxmi Bhukampa Pidit Account | 4.00% | - | |
| Mahalaxmi Samajik Surkchhya Account | 4.00% | - | |
| Mahalaxmi Bachat Khata | 4.00% | 100 | |
| Mahalaxmi (Regular, Suraksha ,Optional & Center Fund )Saving | 4.00% | - | |
| Mahalaxmi Safety Saving | 4.00% | 2000 | |
| Mahalaxmi Sunaulo Bachhat | 5.00% | 5000 | |
| Mahalaxmi Anmol Bachhat | 4.00% | 1500 | |
| Mahalaxmi Dollar Saving Account | 3.00% | - | |
| B.Call Deposit (upto) | 2.00% | - | |
| C.Fixed Deposit Account: | Interest Rate(p.a) | ||
| Monthly(p.a) | Quarterly(p.a) | ||
| 3 Months - Individual | 6.00% | 6.00% | |
| 6 months to 9 months - Individual | 6.50% | 6.50% | |
| 1 year - 2 years - Individual | 7.00% | 7.00% | |
| 3 years - 5 years - Individual | - | 7.50% | |
| 6 years - 10 years - Individual | - | 8.00% | |
| 3 Months - Institutional | 5.50% | 5.50% | |
| 6 months to 9 months - Institutional | 6.00% | 6.00% | |
| 1 year - 2 years - Institutional | 6.25% | 6.25% | |
| 3 years - 5 years - Institutional | - | 6.50% | |
| 6 years - 10 years - Institutional | - | 6.75% | |
| D. Loans/Advance | Interest Rate (p.a) | ||
| Business OD/Industrial OD/ Working Capital/Short Term Loan | Base rate+ upto 5.5% | ||
| Business / Industrial Term Loan | Base rate+ upto 5.5% | ||
| Mahalaxmi Udhyamshil Karja/Other Business Loan | Base rate+ upto 5.5% | ||
| Auto Loan | Base rate+ upto 6% | ||
| Hire Purchase Loan | Base rate+ upto 6% | ||
| Education Loan | Base rate+ upto 6% | ||
| Home Loan | Base rate+ upto 6% | ||
| Gold and Silver Loan | Base rate+ upto 6% | ||
| Loan Against Shares | Base rate+ upto 6% | ||
| Deprived Sector Loan(Institutional) | Negotiable | ||
| Deprived Sector Loan (Individual) | Base Rate + upto 6% | ||
| Agriculture Loan (Term/OD) | Base Rate + upto 6% | ||
| Personal Loan(Term/OD)/Home Equity Loan | Base Rate + upto 6% | ||
| Other Loan | Base Rate + upto 6% | ||
| Loan Against Fixed Deposit(Own) | Coupon Rate +2% | ||
| Loan Against Government / NRB Securities | Coupon Rate +2% | ||
| Consortium Loan | As per Consortium Decision | ||
| Base Rate as on Asadh End 2077 | 9.95% | ||
