Interest Rate

Kamana Bikas Bank Ltd.

Interest Rate (Per Annam) Effective from 2074.01.07 (20 April, 2017)

Interest Rate on Deposits:

Fixed Deposit

Quarterly Yearly

On Maturity

3 months

11. 50 % p.a.

6 months

12.00 % p.a.

9 months

12.25 % p.a.
1 year 12.90 % p.a.

13.00 % p.a.

2 years

10.35 % p.a. 10.40 % p.a. 10.40 % p.a.
3 years 10.40 % p.a. 10.45 % p.a.

10.45 % p.a.

1 year Mega Deposit

10.50 % p.a. 10.55 % p.a. Min. Balance Rs. 1 million
2 year Mega Deposit 10.60 % p.a. 10.65 % p.a.

Min. Balance Rs. 1 million

Saving Deposit

Interest Rate

Minimum Balance

Corporate Call

up to 6.00% p.a.

Rs. 5,000.00

Interbank Call

up to 6.00% p.a.

Rs. 10,000.00

Personal Call

up to 6.00% p.a.

Rs. 50,000.00

Normal Saving

6.00 % p.a. Zero Balance

Kamana Remit

6.00 % p.a.

Rs. 500.00

Kamana Special Saving

6.00 % p.a.

Rs. 1,000.00

Sahara Saving 6.25 % p.a.*

Rs. 2,000.00

Child Recurring

6.25 % p.a.

Rs. 1,000.00

Premium Saving

6.35 % p.a.

Rs. 5,000.00

Sabal Nari Saving

6.50 % p.a.

Rs. 5,00.00

Subidha Saving

6.75 % p.a.

Rs. 10,000.00

Provident Fund

6.50 % p.a.

Zero Balance

Salary Saving Account

7.00 % p.a.*

Zero Balance

Shareholder Saving

7.00 % p.a.

Rs. 1,000.00

Staff Saving

7.50 % p.a.

Zero Balance

Swarnim Saving Account

7.50 % p.a.

Rs. 20,000.00

Group/Credit Saving

6.00 % p.a.

Zero Balance

Semi Fixed Deposit

6.00 % p.a. to 7.00 % p.a.*

* Conditions Apply

Interest Rate on Loan & Advances:

 

Types of Loan Prime Others
Rate in % p.a. Rate in % p.a.
Overdraft 14.00 % to 15.00 % 15.50 % to 16.00%
Working Capital Loan 14.50 % to 15.50 % 16.00 % to 16.50%
Business Term Loan 14.50 % to 15.50% 15.50% to 16.00 %
SME Loan 14.50 % to 14.50 % 15.00% to 15.50%
Real Estate Loan 15.50 % to 16.00 % 16.50% to 17.00%
Tourism/Hotel Loan 14.50 % to 15.00% 15.50% to 16.00 %
Agriculture Enterprises Loan 14.00 % to 14.50% 15.00% to 15.50%
Housing Loan 14.50 % to 15.00 % 15.50% to 16.00%
Hire Purchase Loan
                              Private Use 14.00 % to 14.50% 15.00% to 15.50%
               Business /Commercial Use 15.00% to 16.00% 16.50% to 17.00%
Foreign Employment Loan 15.00% to 16.00% 16.50% to 17.00%
Education Loan 15.00 % to 15.50% 16.00% to 17.00 %
Loan Against Government Bonds 11.00% to 12.00 %
Loan Against Marketable Securities 16.00% to 17.00 %
Loan Against Fixed Deposit 11.00% or +2% whichever is higher
 Consortium Loan As per consortium decision
Deprived Sector Loan – Individual

-Group Based

-Institutional

15.00%
16.00%
8.00 % to 12.00%
18%

18%

Easy Loan Revolving 15.50% to 16.50% 17.00% to 17.50%
Easy Loan Installment 15.00 % to 16.00% 16.50% to 17.00%
Gold & Silver Loan 14.00% to 16.00 %
Other Loan 14.00% to 15.00% 15.50% to 16.00%