Target Customer

Individuals of all age group

Eligible amount for Monthly Installment

NPR 500 per month (and in multiple of Rs. 500 thereafter)


3 months

6 months

1 Year

3 Year

5 Year

7 Year

10 Year

Age Group

All (including minor)

Interest Rate

9.25% per annum (additional 0.5% can be provided after obtaining approval from concern authority)

Lump sum Deposit (at any time) 

Through counter with multiple of NPR 500.

Interest Calculation


Interest Capitalization Cycle

Quarterly (Interest shall be credited to respective Nominee Account)

Other Charge

Applicable Charge as per STC

Loan Overdraft

Up to 90% of total amount.

Overdraft Interest Rate

Masik Nichhep Khata deposit interest rate plus 2% or BR + up to 3% whichever is higher.

Premature withdrawal

Pre mature of Masik Nichhep Khata allowed if the period of the Masik Nichhep Khata has crossed 50% of the total duration.