Interest Rate

 

Revised Interest Rate effective from 1st of Mangsir, 2079
Individual:
S.N. Fixed Deposit Interest Rate (% p.a.)
1. 3 months 13.00
2. 6 months  13.05
3. 9 months 13.10
4. 1 year to below 2 years 13.30
5. 2 years to 3 years 13.35
6. Recurring Deposit 13.30
Remittance (Individual)
1. 1 year and above         14.30       
Institutional:
S.N. Fixed Deposit Interest Rate (% p.a.)
1. 3 months 11.00
2. 6 months 11.05
3. 9 months 11.10
4. 1 year to below 2 years 11.30
5. 2 years to 3 years 11.35
S.N. Saving Deposit Interest Rate(%) Minimum Balance
1. ICFC BUMPER SAVING 9.50 5000
2. ICFC SOCIAL SECURITY 8.47  -
3. SENIOR CITIZEN A/C 8.47/monthly 1000
4. SPECIAL SAVING A/C 8.47 100
5. NARI BACHAT 8.47 500
6. KETA KETI BACHAT 8.47 100
7. YUVA BACHAT 8.47 500
8. EMPLOYEE A/C 8.47 100
9. SUPER SAVING A/C 8.47 1000
10. GOLDEN SAVING A/C 8.47 1000
11. ICFC PREMIUM SAVING  8.47 500
12. ICFC SAVING 8.47 200
13. ICFC ZERO BALANCE 8.47  -
14. SAVING A/C 8.47 500
15. JUMBO SAVING A/C 8.47 1000
16. ASBA SAVING 8.47 1000
17. STAFF DEPOSIT 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 5% p.a.
2. Business Term Loan Base Rate Plus Premium up to 5% p.a.
3. Housing Loan Base Rate Plus Premium up to 5% p.a.
4. Personal Loan - Term                                                                         Base Rate Plus Premium up to 7% p.a.
5. Personal Loan - OD Base Rate Plus Premium up to 7% p.a.
6. Margin / Share Loan Base Rate Plus Premium up to 7% 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 7% p.a.
9. HP Two Wheeler Loan Base Rate Plus Premium up to 7% p.a.
10. HP Other Loan Base Rate Plus Premium up to 7% p.a.
11. Loan Against Government Securities Base Rate Plus Premium up to 2% p.a.
12. Deprive Sector Base Rate Plus Premium up to 5% 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 Aswin  2079   12.36%

*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.