Interest Rate



Fixed Deposit


Products Minimum Balance NPR Existing Rate p.a Interest Payment Mode
6 months N/A 9% Quarterly Payment
Upto 1 year N/A 10.75% Quarterly Payment
2 years N/A 10.50% Quarterly Payment
Above 2 Years N/A 10.00% Quarterly Payment
Institutional Deposit Products


Interest Rate Negotiable on - Institutional/Corporate and Bulk Deposit



Products Minimum Balance NPR Existing Rate p.a Interest Payment Mode
Jyoti Call Deposit Account/Special Call Deposit Account 5,000 upto 7.50% p.a Quarterly Payment
FCY Deposit 0.25% p.a.-2% p.a
Saving Deposit


Products Min. Balance Existing Rate p.a. Interest Payment Mode
Jyoti Sadharan Bachat Khata 0 7.50% Quarterly Payment
Jyoti Premium Bachat Khata 1,000 7.50% Quarterly Payment
Jyoti Anshiyar Bachat Khata 100 7.50% Quarterly Payment
Jyoti Karmachari Bachat Khata 0 7.50% Quarterly Payment
Jyoti Dampati Bachat Khata 25,000 7.75% Quarterly Payment
Jyoti Dampati Bachat Yojana 1,00,000 8% Quarterly Payment
Jyoti Bal Bachat Khata 1,000 7.50% Quarterly Payment
Jyoti Bal Kalyan Bachat Khata 1,00,000 8% Quarterly Payment
Jestha Nagarik Khata 10,000 7.50% Quarterly Payment
Jestha Nagarik Samman Khata 25,000 7.75% Quarterly Payment
Dibya Jyoti Bachat Khata 500 6.75% Quarterly Payment
Nari Bachat Khata 1,000 7.50% Quarterly Payment
Nari Samman Bachat Khata 25,000 7.75% Quarterly Payment
Staff Saving Account 0 8% Quarterly Payment
Jyoti Super Premium Khata 10,000 7.50% Quarterly Payment
Jyoti Super Premium Bachat Khata 1,00,000 8% Quarterly Payment
Sawari Chalak Surakshya Khata 1,000 7.50% Quarterly Payment
Jyoti Bumper Saving Account 1,000 7.75% Quarterly Payment
Jyoti ASBA Bachat Khata 1 7.75% Quarterly Payment
Jyoti Shramjivi Bachat Khata Nil 8.50% Quarterly Payment
Loan and Advances


Loan Products Interest Rate p.a.
Business Loan/W.C. & Term Loan Base Rate + 0.82% to 4.32%
Real Estate Loan Base Rate + 2.32% to 5.32%
Education Loan Base Rate + 0.82% to 4.32%
H.P. Loan Private Base Rate + 1.32% to 4.32%
H.P. Loan Commercial Base Rate + 2.82% to 5.32%
Mortgage Loan Base Rate + 3.32% to 5.32%
Personal Loan/OD/Others Base Rate + 3.32% to 5.32%
Loan Against Shares Base Rate + 0.82% to 5.32%
Gold and Silver Loan Base Rate + 0.82% to 5.32%
Deprived Sector Loan - Institutional 11% - 16%
Deprived Sector Loan - Individual Base Rate + 3.32% to 5.32%
Home Loan Base Rate + 1.32% to 4.32%
Agriculture Loan Base Rate + 2.32% to 5.32%
Jyoti MSME Loan Base Rate + 1.32% to 4.32%
Professional Loan Base Rate + 4.32% to 5.32%
Jyoti Microfinance Loan Base Rate + 3.32% to 5.32%
Loan Against Fixed Deposit +2% on Coupon rate or 12% whichever is higher
Base Rate (Asadh 2075) 12.67%
Consortium Financing As per consortium decision
Effective from 16/06/2075