Kumari Bank Limited
Savings Deposit
2.75–4.31%- Regular Savings Account 2.75%
- Premium Savings Account 3.50%
- Senior Citizen Savings 3.50%
- Kumari Nari Bachat (Women Savings) 3.50%
- Hereko Herai Remit Savings 4.31%
Fixed Deposit
2.75–4.05%- Fixed Deposit – 3 to 6 Months 2.75%
- Fixed Deposit – 6 Months to 1 Year 3.25%
- Fixed Deposit – 1 Year to 2 Years 3.75%
- Fixed Deposit – 2 Years and Above 4.05%
Call Deposit
2.50%- Call Deposit 2.50%
Recurring Deposit
4.00%- Recurring Deposit 4.00%
Current Account
- Current Account —
Home / Housing Loan
10.20–11.20%- Home / Housing Loan — BR + 2.00% to 3.00% 10.20%
- Housing Loan above 1 crore — BR + 2.50% to 3.50% 10.70%
- Home Equity / Mortgage Loan — BR + 2.50% to 4.00% 11.20%
Auto / Vehicle Loan
10.70–11.20%- Auto / Private Vehicle Loan — BR + 2.50% to 3.50% 10.70%
- Two-Wheeler Loan — BR + 2.75% to 3.75% 10.95%
- Commercial Vehicle Loan — BR + 2.75% to 4.00% 11.20%
Hire Purchase
10.70%- Hire Purchase Loan — BR + 2.50% to 3.50% 10.70%
Personal / Professional
11.20–11.95%- Personal Term Loan — BR + 3.50% to 4.50% 11.70%
- Personal Overdraft Loan — BR + 3.75% to 4.75% 11.95%
- Professional Loan — BR + 2.75% to 4.00% 11.20%
Education Loan
11.20%- Education Loan — BR + 2.75% to 4.00% 11.20%
- Foreign Education Loan — BR + 3.00% to 4.00% 11.20%
Business / SME / Working Capital
10.70–11.20%- Business / SME Term Loan — BR + 1.75% to 3.50% 10.70%
- Working Capital / OD — BR + 1.25% to 3.50% 10.70%
- Bridge Gap Loan — BR + 2.50% to 4.00% 11.20%
- Cash Credit / STL / DL / TR — BR + 1.25% to 3.50% 10.70%
Agriculture Loan
10.20%- Agriculture / Agro Loan — BR + 1.50% to 3.00% 10.20%
- Agriculture Mechanisation Loan — BR + 1.50% to 3.00% 10.20%
Microfinance / Wholesale
9.20%- Wholesale Microfinance (MFI / NBFC) — BR + up to 2.00% 9.20%
Gold Loan
11.20%- Gold Loan — BR + 2.50% to 4.00% 11.20%
Foreign Employment Loan
11.20%- Foreign Employment Loan — BR + 2.75% to 4.00% 11.20%
Deprived Sector Loan
10.70–11.20%- Deprived Sector Loan (Retail) — BR + 2.50% to 4.00% 11.20%
- Deprived Sector Loan (Wholesale) — BR + 2.00% to 3.50% 10.70%
Subsidised Loan
9.20%- Subsidised Loan (per NRB directive) — BR + 2.00% to 2.00% 9.20%
Real Estate Loan
11.20%- Real Estate Loan — BR + 2.50% to 4.00% 11.20%
Other Loans
10.70–11.20%- Loan against Fixed Deposit — Coupon + 2% (or BR, whichever higher) —
- Loan against Govt / NRB Securities — Coupon + 2% —
- Loan against Life Insurance Policy — BR + 2.75% to 4.00% 11.20%
- Consortium Loan — per consortium decision —
- Fixed-rate Retail Loan (up to 10 yr, indicative) 10.70%