महालक्ष्मी विकास बैंकको निक्षेप र कर्जाको नयाँ ब्याजदर (२०८३ आषाढ १ गतेदेखि लागू)Mahalaxmi Bikas Bank's New Deposit and Loan Interest Rates (Effective from 1st Asadh, 2083)

Interest Rates (p.a.)

Effective from : June 15, 2026 (1st Asadh, 2083)

Deposit

A. Savings Accounts

Interest Rate (p.a.) Minimum Balance (NPR) Interest Payment

Mahalaxmi Remittance Bachat 3.80% 100 Quarterly

Mahalaxmi Sambriddhhi Bachat 2.80% 100 Quarterly

Staff Salary Account 2.80% - Quarterly

Mahalaxmi Dollar Account (Saving/Fixed) 2.80% - Quarterly

Mahalaxmi PMS Khata 2.75% - Monthly

Mahalaxmi Karmachari Bachat Khata 2.75% 100 Quarterly

Mahalaxmi Investor's Share Saving Account (All in One) 2.75% - Quarterly

Mahalaxmi Grihalaxmi Bachat 2.75% 100 Quarterly

Mahalaxmi Student Saving Account 2.75% 100 Quarterly

Mahalaxmi Jestha Nagarik Bachat 2.75% 100 Quarterly

Mahalaxmi Baal Bachat Khata 2.75% 100 Quarterly

Mahalaxmi Bhukampa Pidit Account 2.75% - Quarterly

Mahalaxmi Samajik Surakshya Account 2.75% - Quarterly

Mahalaxmi Online Saving 2.75% - Quarterly

Margin Locker Account 2.75% 1000 Quarterly

Mahalaxmi Normal Saving Account 2.75% 51 Quarterly

B. Recurring Deposit

Recurring Deposit Account: Interest Rate (p.a.) Payment Frequency

Mahalaxmi Kramik Bachat Khata 3.00% Quarterly

Mahalaxmi Baal Bachat Recurring Deposit Account 3.00% Quarterly

C. Fixed Deposit Accounts

1. Individual Fixed Deposit

Fixed Deposit Account: Interest Rate (p.a.) (In Person) Interest Rate (p.a.) (Through Mahalaxmi Smart Sathi-Mobile App) Payment Frequency

1 Year to below 2 Years 3.00% 3.25% Quarterly

2 Years to below 3 Years 3.50% 3.75% Quarterly

3 Years to below 5 Years 4.00% 4.25% Quarterly

5 Years and above 4.95% Not Applicable Quarterly

2. Institutional Fixed Deposit

Fixed Deposit Account: Interest Rate (p.a.) Payment Frequency

1 Year to below 2 Years 2.75% Quarterly

2 Years to below 3 Years 3.00% Quarterly

3 Years to below 5 Years 3.50% Quarterly

5 Years and above 3.80% Quarterly

3. Akshaya Kosh

Interest Rate (p.a.) Payment Frequency

Negotiable Quarterly

*The maturity period of FD should not exceed more than 10 years.

*The minimum fixed deposit amount should not be less than NPR 10,000.

D. Loan & Advances

Interest Rate (p.a.)

Business OD/Industrial OD/ Working Capital/ Short Term Loan Base rate + upto 3.75%

Business / Industrial Term Loan Base rate + upto 3.75%

Mahalaxmi Udhyamshil Karja/Other Business Loan Base rate + upto 3.75%

Auto Loan Base rate + upto 3.75%

Hire Purchase Loan Base rate + upto 3.75%

Education Loan Base rate + upto 3.75%

Home Loan Base rate + upto 3.75%

Gold and Silver Loan Base rate + upto 3.75%

Loan Against Shares Base rate + upto 3.75%

Deprived Sector Loan (Institutional) Negotiable

Deprived Sector Loan (Individual) Base rate + upto 3.75%

Agriculture Loan (Term/OD) Base rate + upto 3.75%

Personal Loan(Term/OD)/Home Equity Loan Base rate + upto 3.75%

Other Loan Base rate + upto 3.75%

Loan Against Fixed Deposit (Own) Coupon Rate +2%

Loan Against Government / NRB Securities Coupon Rate +2%

Consortium Loan As per Consortium Decision

Base rate (Average) 5.77%

Base Rate (Baisakh 2083) 5.68%

Interest Spread 4.20%

Home Loan (Fixed Rate for 7 Years) 6.99%

SME Revolving Loan 6.99%

Auto Loan (Private)

Upto 5 Years of Tenure 7.49%

Upto 7 Years of Tenure 7.99%

Notes:

* Penal will be charged as per the NRB circular.

* Customer availing personal term loan above 1 year tenure will have option to choose between fixed and floating rate.

* Call Deposit interest rate shall be as per the Nepal Rastra Bank guidelines.

* The bank has applied loan interest rates within the framework of Nepal Rastra Bank's directives.