Current Jyoti Bikas Bank interest rates in Nepal. Below is Jyoti Bikas Bank's full published rate sheet, grouped by product and re-verified each morning against the bank's official schedule.
Jyoti Bikas Bank — Rate Sheet
Updated Shrawan 6, 2083| Fixed Deposits | |
| 3-Month Fixed Deposit | 2.75% |
| 6-Month Fixed Deposit | 2.75% |
| 3-Year Fixed Deposit | 4.59% |
| Institutional FD | 2.75% |
| Savings | |
| Savings Account | 2.75% |
| Salary Savings | 2.75% |
| Loans | |
| Home Loan | 5.81% |
| Vehicle / Auto Loan | 5.81% |
| Education Loan | 5.81% |
| Business Loan | 5.81% |
| Personal Loan | 5.81% |
| Benchmark | |
| Base Rate | 5.81% |
Indicative rates from public bank/NRB data unless marked ✓ Verified. Confirm with Jyoti Bikas Bank before acting. Not financial advice.
Jyoti Bikas Bank — FAQ
Jyoti Bikas Bank's fixed deposit rates across tenures are shown in the rate table above, updated daily from published data.
Jyoti Bikas Bank's regular savings account currently pays 2.75% per annum, credited quarterly. Premium savings, salary savings, and shareholder savings rates — where offered — are listed in the table above.
Jyoti Bikas Bank's home loan interest rate starts from 5.81% per annum (base rate: 5.81%). The actual rate is the base rate plus a product premium set by the bank. Vehicle, education, and business loan rates are also listed in the table above.
Jyoti Bikas Bank's current base rate is 5.81% — the floor for all its lending products. The effective loan rate is the base rate plus the bank's product-specific premium (spread).
Most Jyoti Bikas Bank fixed deposit products start with a minimum of NPR 10,000 for individual customers. Institutional FD minimums may be higher. Confirm the exact minimum and available tenures directly with the bank or on their website before depositing.
Jyoti Bikas Bank's rates can be compared side by side with all Nepali banks on Byajdar's best FD rates page.
Jyoti Bikas Bank, like every bank in Nepal, sets its foreign-exchange rates from the daily Nepal Rastra Bank (NRB) reference rate, adding a small margin for buying and selling. See today's live USD, EUR, GBP, INR, AED, SAR and other currency buying/selling rates on Byajdar's NRB forex page, updated every business day.
Yes — Byajdar refreshes Jyoti Bikas Bank's rates daily from published bank and Nepal Rastra Bank data. Rates marked ✓ Verified are confirmed directly by the bank. Always confirm the current rate with the bank before depositing or borrowing.