Interest Rate

Interest Rates on Deposit and Loan Products
p.a. Interest Rate (On daily Balance)
(Effective From 28/09/2073)
Fixed Deposit Interest Rate p.a.
Upto 6 months 10.50%
1 year and above 11.00%
Negotiable for Bulk and Institutional FD  
Jyoti Sajilo Nichhep Khata(Recurring) Interest Rate p.a.
For 1 year 6.50%
For 2 years 6.75%
For 3 years 7.00%
   
Institutional Deposit Product
Jyoti Call Depost Account/
Special Call Deposit Account
1% p.a. to 8.50% p.a. or
negotiable for bulk amount
   
Saving Products Min Bal. Interest Rate p.a.
Jyoti Sadharan Bachat Khata RS. 0 4.00%
Jyoti Premium Bachat Khata RS. 1,000 4.00%
Jyoti Ansiyar Bachat Khata RS. 100 6.00%
Jyoti Karmachari Bachat Khata RS. 0 4.00%
Jyoti Dampati Bachat Khata RS. 25,000 5.00%
Jyoti Dampati Bachat Yojana RS. 100,000 6.00%
Jyoti Bal Bachat Khata RS. 1000 4.00%
Jyoti Bal Kalyan Bachat Khata RS. 100,000 6.00%
Jestha Nagarik Khata RS. 10,000 5.00%
Jestha Nagarik Samman Khata RS. 100,000 6.00%
Dibya Jyoti Bachat Khata RS. 500 4.00%
Nari Bachat Khata RS. 1,000 4.00%
Nari Samman Bachat Khata RS. 100,000 6.00%
Staff Saving Account RS. 0 6.00%
Jyoti Super Premium Khata RS. 10,000 5.00%
Jyoti Super Premium Bachat Khata RS. 100,000 6.00%
Sawari Chalak Surakshya Khata RS. 1,000 4.25%
FCY Deposit 0.25% p.a. to 2% p.a.
     
Interest Rates on Loans and Advances  
Loan Products Rates Per Annum
Prime General
Business Loan/W.C. & Term Loan 9.5%-10% 10%-15%
Real Estate Loan 11%-12% 12%-17%
Education Loan 10%-11% 12%-17%
H.P. Loan Private 9.5%-11.5% 11.5%-17%
H.P. Loan Commercial 10%-11.5% 11.5%-17%
Mortgage Loan 11%-12% 12%-17%
Personal Loan/OD/Others 11%-12% 12%-17%
Loan Against Shares 9%-10% 10%-15%
Gold and Silver Loan 10%-11% 11%-15%
Deprived Sector Loan Institutions: 5%-10%
Individual: 12%-14%
Home Loan    
Up to 5 years 9%-10% 10%-17%
Above 5 to 10 years 9.5-10.5% 10.5%-17%
Above 10 to 15 years 10%-11% 11%-17%
     
Agriculture Loan 10%-11% 11%-17%
Byawasaik Yuwa Krishi Karja 6%
Jyoti MSME Loan 10%-15%
Professional Loan 12%-14%
Jyoti Microfinance Loan 12%-17%
Loan Against Fixed Deposit 2% above FD rate 2% above FD rate
Consortium Financing As per consortium decision





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