Interest Rate

 

Revised Interest Rate effective from 1st of Jestha, 2079
Individual:
S.N. Fixed Deposit Interest Rate (% p.a.)
1. 3 months 12.00
2. 6 months  12.05
3. 9 months 12.10
4. 1 year and above 12.15
5. Recurring Deposit 12.15
Institutional:
S.N. Fixed Deposit Interest Rate (% p.a.)
1. 3 months to below 1 year 11.00
2. 1 year and above 11.15
S.N. Saving Deposit Interest Rate(%) Minimum Balance
1. ICFC BUMPER SAVING 8.5 5000
2. ICFC SOCIAL SECURITY 7.15  -
3. SENIOR CITIZEN A/C 7.15/monthly 1000
4. SPECIAL SAVING A/C 7.15 100
5. NARI BACHAT 7.15 500
6. KETA KETI BACHAT 7.15 100
7. YUVA BACHAT 7.15 500
8. EMPLOYEE A/C 7.15 100
9. SUPER SAVING A/C 7.15 1000
10. GOLDEN SAVING A/C 7.15 1000
11. ICFC PREMIUM SAVING  7.15 500
12. ICFC SAVING 7.15 200
13. ICFC ZERO BALANCE 7.15  -
14. SAVING A/C 7.15 500
15. JUMBO SAVING A/C 7.15 1000
16. ASBA SAVING 7.15 1000
17. STAFF DEPOSIT A/C 8.5 0

 

Interest Rates for Loan & Advance
S.N. Loan and Advances Interest Rate(%p.a.)
1 Working Capital

 

 

 

 

 

 

 

Premium up to 7% p.a. on Base Rate

2. SME
3. Trading Loan
4. Term Loan
5. Housing Loan
6. Agriculture Loan
7. Personal Loan
8. Margin /Share Loan
9. HP Auto Loan-Private
10. HP Auto Loan- Commercial
11. HP Two Wheeler Loan
12. HP Other Loan
13. Education Loan
14. Loan Against Government Securities
15. Deprive Sector-Retail(Individual & Institution)**
16. Deprive Sector-Wholesale*
17. Loan Against Own FDR (Coupon rate plus upto 3% or Base Rate up to 2% whichever is higher)
Fixed Lending Interest Rate (% p.a.)
Particular           5 Years to 7 years Above 7 years
Home Loan       14 15
Auto Loan (personal) 13 -
Hire Purchase Loan 15 -
Other Retail Loan 14 15
* Condition Apply
Base Rate (BR) As On Chaitra  2078 10.62%

*Negotiable in case of MFIs

*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.