Interest Rate

Revised Interest Rate effective from 1st of Chaitra, 2079
Individual:
S.N.	Fixed Deposit	Interest Rate (% p.a.)
1.	3 months	11.60
1.	3 months	11.60
2.	6 months	11.70
3.	9 months	11.80
4.	1 year to 2 years	11.90
5.	2 years above to 3 years	12.00
6.	Recurring Deposit	11.90
Remittance (Individual)
1.	1 year to 2 years	12.90
Institutional:
S.N.	Fixed Deposit	Interest Rate (% p.a.)
1.	6 months	9.70
2.	9 months	9.80
3.	1 year to 2 years	9.90

S.N.	Saving Deposit	Interest Rate(%)	Minimum Balance
1.	ICFC BUMPER SAVING	8.50	5000
2.	ICFC SOCIAL SECURITY	7.00	-
3.	SENIOR CITIZEN A/C	8.50	1000
4.	SPECIAL SAVING A/C	7.00	100
5.	NARI BACHAT	7.00	500
6.	KETA KETI BACHAT	7.00	100
7.	YUVA BACHAT	7.00	500
8.	EMPLOYEE A/C	7.00	100
9.	SUPER SAVING A/C	7.00	1000
10.	GOLDEN SAVING A/C	7.00	1000
11.	ICFC PREMIUM SAVING	7.00	500
12.	ICFC SAVING	7.00	200
13.	ICFC ZERO BALANCE	7.00	-
14.	SAVING A/C	7.00	500
15.	JUMBO SAVING A/C	7.00	1000
16.	ASBA SAVING	7.00	1000
17.	STAFF DEPOSIT A/C	8.50	0
18.	REMITTANCE SAVING A/C	9.50	0

Interest Rates for Loan & Advance
S.N.	Loan and Advances		Interest Rate(%p.a.)
1	Working Capital Loan		Base Rate Plus Premium up to 4% p.a.
2.	Business Term Loan		Base Rate Plus Premium up to 4% p.a.
3.	Housing Loan		Base Rate Plus Premium up to 3% p.a.
4.	Personal Loan - Term		Base Rate Plus Premium up to 5% p.a.
5.	Personal Loan - OD		Base Rate Plus Premium up to 5% p.a.
6.	Margin / Share Loan		Base Rate Plus Premium up to 5% p.a.
7.	HP Auto Loan - Private		Base Rate Plus Premium up to 5% p.a.
8.	HP Auto Loan - Commercial		Base Rate Plus Premium up to 5% p.a.
9.	HP Two Wheeler Loan		Base Rate Plus Premium up to 5% p.a.
10.	HP Other Loan		Base Rate Plus Premium up to 5% p.a.
11.	Loan Against Government Securities		Base Rate Plus Premium up to 3% p.a.
12.	Deprive Sector		Base Rate Plus Premium up to 4% p.a.
13.	Deprive Sector - MFI's		Base Rate Plus Premium up to 2% p.a.
14.	Loan Against Own FDR		Coupon rate plus upto 3% or Base Rate plus Premium up to 2 % whichever is higher
Fixed Lending Interest Rate (% p.a.)
Particular		5 Years to 7 years		Above 7 years
Home Loan		17		17
Auto Loan (personal)		17		-
Hire Purchase Loan		17		-
Other Retail Loan		17		17
* Condition Apply
Base Rate (BR) As On Magh 2079				13.24%
2nd Quarter Average Base Rate Poush 2079				13.10%
Interest rates on consortium loan shall be as decided by consortium meetings. Risk Premium up to 2% p.a.. may be charged to cases attracting addtional provising as per regulatory requirement.

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Postal code: 25460