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Interest Rate

​​Rates with effect from January 1, 2018 (Poush 17, 2074)

Particulars Rate (Per Annum)
Janata Special Saving Account  7.00%
Gautam Buddha Sadharan Bachat Khata  6.50%
Parishramik Byaosthapan Khata  6.00%
Janata Sanchaya Bachat Khata  5.00%
Janata Bachat Khata  5.00%
Janata Kawach Bachat Khata  5.00%
Janata Social Security Saving  5.00%
Janata Share Dhani Khata  5.00%
Naari Swabhiman Bachat Khata  5.00%
Janata Samriddhi Bachat  5.00%
Bright Future Saving Account  5.00%
Jestha Nagarik Samman Bachat Khata  5.00%
Janata Remit Bachat Khata  5.00%
Janata Saral Bachat Khata (Monthly Interest Payment)  5.00%
Janata Swornim Bachat Khata  5.50%
Janata Lagani Khata  5.00%
Janata Sansthagat Bachat Khata  5.00%
Fixed Deposit  Individual / Institutional Interest Rate (p.a.)*
15 days upto 1 month  7.25%
Above 1 Month upto 2 months  8.00%
Above 2 Months upto 3 months  9.00%
Above 3 Months upto 6 months  10.00%
Above 6 Months upto 9 months  10.50%
Above 9 Months upto 1 year  11.00%
1 Year upto 2 years  9.50%
Above 2 years  10.00%
Malamal Muddhati Khata (75 Days) 11.00%
Structured Bulk Deposit (1 year) - Individual 11.00% (p.a.)*
Structured Bulk Deposit (1 year) - Institutional 11.00% (p.a.)*
Loans and Advances  Premium %(p.a.) on Base Rate
Deprived Sector – Wholesale  Up to 3 %
Deprived Sector - Retail (Individual and Institutional)  Up to 6 %
Janata Sahaj Karja  Up to 5 %
Pre-Shipment/Post-shipment Loan  Up to 3 %
Term Loan  Up to 4 %
Demand Loan/Short Term Loan  Up to 4 %
Trust Receipt Loan  Up to 3 %
Overdraft  Up to 4 %
Real Estate Loan  Up to 6 %
Agricultural Loan – Institutional  Up to 5 %
Agricultural Loan – Individual  Up to 5 %
Housing Loan
Up to 15 Years  Up to 3 %
Above 15 Years  Up to 4 %
Auto Loan
Up to 5 Years  Up to 3 %
Up to 7 Years  Up to 4 %
Consortium Loans(As decided by the consortium)
FCY Loan  1 Year LIBOR Rate + Up to 4%
Hire Purchase  Up to 5 %
Education Loan  Up to 5 %
Mortgage/Personal Loan  Up to 5 %
Loan Against Fixed Deposit  Coupon Rate +2% or Base Rate, whichever is higher
Loan Against Government Securities  Coupon Rate +2% or Base Rate, whichever is higher
Margin Lending  Up to 5 %
Loan Against Gold and Silver  Up to 5 %
Other Loans  Up to 8 %
*conditions apply

Currency Buying Selling
Indian Rupee 1.6 1.6015
US Dollar 103.75 104.35
Euro 127 128.3
Pound Sterling 143.74 145.54
View all » [As per Feb 22, 2018]
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Base Rate
(Based on KartikEnd 2074 Figures) - 11.63%

Banking Hours

During summer (16th Magh to 15th Kartik)
Sunday to Thursday : 9:45 am to  5:00 pm
Friday : 9:45 am to 2:30 pm
 
During winter (16th Kartik to 15th Magh)
Sunday to Thursday : 9:45 am to  4:00 pm
Friday : 9:45 am to 2:30 pm

Holiday counter:

    1. New Baneshwor Branch (10:00 AM to 1:00 PM) (Saturday Only)
    2. New Road Branch (10:00 AM to 1:00 PM) (Other Than Saturday)