Janaki Finance Co. Ltd
Janakpur, Dhanusha, Madhesh Province, Nepal ·
Janaki Finance Co. Ltd is a Nepal Rastra Bank-licensed Class-C finance company based in Janakpur, Madhesh Province, offering deposit, loan, remittance and digital banking services.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 1yr–1yr | individual | 6.65% |
| Fixed Deposit | Fixed | 2yr–2yr | institutional | 6.50% |
| Fixed Deposit | Fixed | 2yr–2yr | individual | 6.50% |
| Fixed Deposit | Fixed | 3yr+ | individual | 6.50% |
| Fixed Deposit | Fixed | 3yr+ | institutional | 6.50% |
| Fixed Deposit | Fixed | 9mo–9mo | individual | 6.25% |
| Fixed Deposit | Fixed | 1yr–1yr | institutional | 6.00% |
| Fixed Deposit | Fixed | 6mo–6mo | individual | 6.00% |
| Fixed Deposit | Fixed | 9mo–9mo | institutional | 5.75% |
| Fixed Deposit | Fixed | 3mo–3mo | individual | 5.60% |
| Fixed Deposit | Fixed | 6mo–6mo | institutional | 5.50% |
| Normal Savings | Normal Savings | — | individual | 4.25% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Housing Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Education Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Service Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Personal Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Real Estate Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Hire Purchase Loan | 14.37%–14.37% | 9.77% | +4.60%–4.60% |
| Business Loan | 13.62%–13.62% | 9.77% | +3.85%–3.85% |
| Industrial Loan | 13.62%–13.62% | 9.77% | +3.85%–3.85% |
| Tourism Promotion Loan | 13.62%–13.62% | 9.77% | +3.85%–3.85% |
| Agriculture Loan | 13.62%–13.62% | 9.77% | +3.85%–3.85% |
| Deprived Sector Loan | 13.62%–13.62% | 9.77% | +3.85%–3.85% |
| Loan Against FDR | 11.77%–11.77% | 9.77% | +2.00%–2.00% |
About Janaki
Established in 2052 B.S. (1995), Janaki Finance is among the oldest finance companies operating in Madhesh Province. Its paid-up capital has grown from Rs. 6 million at inception to roughly Rs. 690 million, with ownership split 51% promoter and 49% public. The company operates a main branch in Janakpur plus four other branches across Dhanusha, Mahottari and Siraha districts. It was recognized for substantial income tax contributions in Madhesh Province's banking sector for FY 2078-79.
Source: jfcjanakpur.com.np
Contact
- Head office
- Janakpur, Dhanusha, Madhesh Province, Nepal
- Phone
- 041-590586/87
- [email protected]
- Website
- https://jfcjanakpur.com
Products & Services
Deposits
12Janaki Saving
Premium savings account offering the institution's highest savings interest rate.
- Interest 5.75% p.a.
- Minimum balance NPR 10,000
Janaki Bal Bachat Saving
Children's savings account for minors.
- Interest 4.75% p.a.
- Minimum balance NPR 1,000
Senior Citizen Saving
Savings account designed for senior citizens.
- Interest 4.50% p.a.
- Minimum balance NPR 1,000
Housewife Saving
Savings account targeted at homemakers.
- Interest 4.50% p.a.
- Minimum balance NPR 500
Nagarik Saving
General-purpose citizen savings account.
- Interest 4.25% p.a.
- Minimum balance NPR 500
Social Security Saving
Savings account for social-security/allowance beneficiaries.
- Interest 4.25% p.a.
- Minimum balance NPR 500
General Saving
Standard everyday savings account.
- Interest 4.25% p.a.
- Minimum balance NPR 500
Fixed Deposit
Term deposit for individuals and institutions across tenures from 3 months to 3+ years.
- Interest 5.60%-6.65% p.a.
- Tenure 3 months to 3+ years
- Available to individuals and institutions
Double Deposit Scheme
Long-term fixed deposit scheme that doubles the deposit over its term.
- Tenure 108 months
Call Deposit
Flexible interest-bearing deposit with on-call withdrawal.
- Interest up to 2.12% p.a.
Current Deposit
Non-interest transactional current account.
- Interest 0% (non-interest bearing)
Retirement Scheme
Retirement savings deposit scheme.
Loans
13Housing Loan
Loan for purchase or construction of housing.
- Premium 4.60% over base rate
- Base rate 9.61%
Real Estate Loan
Financing for real estate purposes.
- Premium 4.60% over base rate
- Base rate 9.61%
Hire Purchase Loan
Vehicle/asset financing on hire-purchase terms.
- Premium 4.60% over base rate
- Base rate 9.61%
Education Loan
Loan to finance educational expenses.
- Premium 4.60% over base rate
- Base rate 9.61%
Personal Loan
General-purpose personal loan.
- Premium 4.60% over base rate
- Base rate 9.61%
Service Loan
Loan for salaried/service-holder customers.
- Premium 4.60% over base rate
- Base rate 9.61%
Business Loan
Financing for business operations.
- Premium 3.85% over base rate
- Base rate 9.61%
Business Overdraft Loan
Revolving overdraft facility for business working capital.
Industrial Loan
Financing for industrial enterprises.
- Premium 3.85% over base rate
- Base rate 9.61%
Agriculture Loan
Loan for agricultural activities.
- Premium 3.85% over base rate
- Base rate 9.61%
Tourism Promotion Loan
Loan supporting tourism-sector activities.
- Premium 3.85% over base rate
- Base rate 9.61%
Deprived Sector Loan
Priority/deprived-sector lending as mandated by the regulator.
- Premium 3.85% over base rate
- Base rate 9.61%
Loan Against FDR
Loan secured against a fixed deposit receipt.
- Interest = fixed deposit rate plus 2%
Digital & e-services
8Janaki Mobile Banking App
Mobile banking app operable in both SMS and internet mode for banking and bill payments.
- Works in SMS and internet mode
- Fund transfer within JFCL accounts
- Balance enquiry and statements
- Cheque book request
- Mobile/ADSL/landline recharge & bills
- Electricity, water, Dish Home bills
- SUBISU & WorldLink internet bill payment
- Domestic flight ticket booking
connectIPS
Single payments platform linking bank accounts for transfers and biller payments.
- Web and mobile app access
- Supports C2G, C2B and P2P payments
- Bill payments and fund transfers
- Web limit up to NPR 2,000,000 per account
- App limit up to NPR 100,000 per account
IPS (Interbank Payment System)
NCHL-based interbank fund transfer service to and from member banks.
- Transfer to/from any NCHL member bank
- Supports direct credit transfers
- Supports direct debit collections
- Available across branch network
ECC (Electronic Cheque Clearing)
Image-based MICR cheque clearing and settlement system.
- Image-based MICR cheque processing
- Cheques held at presenting bank
- Faster, cost-effective settlement
- Available across branch network
NEPALPAY QR
National QR payment scheme based on NRB's NepalQR standards.
- Based on NRB NepalQR standards
- Merchant-level interoperability
- Network-level interoperability
- Internetwork transaction & settlement
Online Account Opening
Digital account-opening process via downloadable PDF form and email submission.
- Download fillable PDF form
- Fill digitally with Adobe Reader
- Submit by email with citizenship/ID
- No branch visit required
E-banking
Internet banking service (page marked Coming Soon).
ATM / Debit Card
ATM and card service (page marked Coming Soon).
Remittance
1JFCL Remittance
Inward remittance service for Nepalese nationals abroad to send money home.
- Tie-ups with renowned money transfer companies
- Collect funds at any JFCL branch
- Focus on safe transfer of earnings
Digital & e-services
Deposit and loan rates effective Asar 2083, aggregated from the bank's published disclosures; card figures are indicative. Confirm with the bank before applying.