Jyoti Bikas Bank
Corporate Office, R & P Complex, Kamalpokhari, Kathmandu, Nepal ·
Jyoti Bikas Bank Ltd. (JBBL) is a national-level Class-B development bank licensed by Nepal Rastra Bank, operating across Nepal with a focus on hydropower/infrastructure financing and general banking.
Rates at a glance
Deposit rates
| Product | Type | Tenor | Depositor | Rate p.a. |
|---|---|---|---|---|
| Fixed Deposit | Fixed | 5yr+ | individual | 6.00% |
| Fixed Deposit | Fixed | 3yr+ | institutional | 5.00% |
| Remittance Savings | Remittance | — | individual | 5.00% |
| Normal Savings | Normal Savings | — | individual | 3.75% |
| Fixed Deposit | Fixed | 1yr–3yr | institutional | 3.50% |
| Fixed Deposit | Fixed | 3mo–6mo | individual | 2.75% |
| Fixed Deposit | Fixed | 3yr–5yr | individual | 2.75% |
| Fixed Deposit | Fixed | 6mo–3yr | individual | 2.75% |
Loan rates
| Product | Effective rate | Base | Premium |
|---|---|---|---|
| Home Loan | 6.84%–10.84% | 5.84% | +1.00%–5.00% |
| Education Loan | 6.84%–10.84% | 5.84% | +1.00%–5.00% |
| Jyoti Ghar Karja (fixed) | 8.49% (fixed) | 5.84% | — |
| Private Auto Loan | 6.84%–10.84% | 5.84% | +1.00%–5.00% |
| Jyoti Auto Loan (fixed) | 8.49% (fixed) | 5.84% | — |
| H.P. Commercial Loan | 7.84%–10.84% | 5.84% | +2.00%–5.00% |
| Personal Loan | 7.85%–10.84% | 5.84% | +2.01%–5.00% |
| Real Estate Loan | 7.85%–10.84% | 5.84% | +2.01%–5.00% |
| Loan Against Shares | 8.34%–10.34% | 5.84% | +2.50%–4.50% |
| Gold Loan | 8.84%–10.84% | 5.84% | +3.00%–5.00% |
| Professional Loan | 8.84%–10.84% | 5.84% | +3.00%–5.00% |
| Loan Against Fixed Deposit | — | 5.84% | — |
| Deprived Sector Loan | — | 5.84% | — |
| Business Loan | 6.84%–10.84% | 5.84% | +1.00%–5.00% |
About Jyoti
Jyoti Bikas Bank began operations on 9th Shrawan 2065 (24 July 2008) as a national-level development bank licensed by Nepal Rastra Bank. It was established with a primary focus on financing the development of hydropower and infrastructure while providing general banking services to the public. The bank has grown through several mergers, including Jhimruk Bikas Bank (2016), Rapti Bheri Bikas Bank (2017) and Hamro Bikash Bank (2019). It now operates a nationwide branch and ATM network across all provinces of Nepal.
Source: jbbl.com.np
Contact
- Head office
- Corporate Office, R & P Complex, Kamalpokhari, Kathmandu, Nepal
- Phone
- +977-1-5970306/307
- [email protected]
- Website
- https://jbbl.com.np
Products & Services
Deposits
13Super Smart Savings Account
A feature-rich savings account that opens with a very low minimum balance and bundles share-investment access.
- Minimum balance just NPR 15
- 15 free services bundled
- Special discounts for 15 months
- Lets you start investing in stocks
- Can be opened online or at any branch
Jyoti Premium Savings Account
A premium savings account offering a higher interest rate than normal savings.
- Interest 5% p.a.
- Interest paid quarterly
Jyoti Smart Savings Account
A savings account integrating capital-market access via DEMAT and Meroshare.
- Includes DEMAT account
- Meroshare access for share market
- Special benefits for women account holders
- Discount on locker charges for women
Jyoti Dampati Bachat Yojana
A savings scheme designed for married couples.
- Designed for couples (husband and wife)
- Interest paid quarterly
- Accidental death insurance cover
- Discount on safe deposit locker charges
Nari Samman Bachat Khata
A women-focused savings account.
- Interest 5% p.a.
- Targeted at women customers
- Interest paid quarterly
Jyoti Bal Bachat Khata
A children's savings account for building savings from an early age.
- Interest paid quarterly
- Free internet banking
- Free ABBS service
- Free cheque book
Senior Citizens Savings
A savings account tailored for senior citizens.
- Interest paid quarterly
- For senior citizen customers
Salary Savings Account
A savings account for salaried employees.
Remittance Savings Account
A savings account for receiving remittance into the bank.
- Designed for remittance recipients
Fixed Deposit
A term deposit placing idle funds for a fixed period to earn higher interest.
- Tenure 3 months to several years
- Interest up to 6% p.a. (individuals)
- Higher rates for longer tenures
- Separate institutional FD rates available
Jyoti Recurring Deposit
A recurring deposit where a fixed amount is deposited at regular intervals to build savings.
- Minimum monthly deposit NPR 500
- Earns fixed-deposit interest rate
- Regular fixed deposits at set intervals
- Transfer to own or designated account
Jyoti Dui Guna Deposit
A long-term fixed deposit scheme that doubles the deposit over its tenure.
- Tenure 11 years 7 months
- Interest 6% p.a.
Foreign Currency Deposit
A foreign-currency deposit account tailored for Nepali citizens.
- Held in foreign currency
- Available to Nepali citizens
Loans
8Home Loan
A loan to purchase, construct, or renovate residential property.
Vehicle Loan
A loan to finance purchase of new or used vehicles.
- Up to 50% of valuated amount for used vehicles
Education Loan
A loan to finance higher education expenses.
Personal Loan
A general-purpose personal loan.
Deprived and Microfinance Loan
Micro-credit for low-income, marginalized, and deprived-sector borrowers as defined by NRB.
- For low-income and marginalized people
- Finances business or low-cost housing
- Revolving tenure of one year
- Installment tenure up to 5 years
MSME / SME Loan
Financing for micro, small, and medium enterprises.
Working Capital Loan
Short-term financing to meet a business's day-to-day operating needs.
Loan Against Securities
A loan secured against shares or other financial securities.
Cards
1Visa Debit Card
A Visa-branded debit card for ATM and POS transactions, replacing the bank's older SCT cards.
- Visa-branded debit card
- Replaced older SCT cards
- Free replacement of SCT to Visa cards
- Usable at the bank's nationwide ATM network
Digital & e-services
4Jyoti Smart (Mobile Banking)
The bank's official mobile banking app for managing accounts and making payments anytime.
- Fund transfers
- Bill payments and top-ups
- QR code scan and pay
- Fonepay network online/retail payments
- Cardless ATM withdrawal
- 128-bit SSL encryption security
Internet Banking
Web-based banking to manage accounts and transactions online.
- Free internet banking facility
- Account management and transactions online
Cardless ATM Withdrawal
A service to withdraw cash from the bank's ATMs using the mobile app without a card.
- Withdraw cash without a card
- Initiated via Jyoti Smart app
- Enter mobile number and amount at ATM
- Available at the bank's ATMs nationwide
ASBA
Application Supported by Blocked Amount service for applying to IPOs and FPOs.
- Apply for IPO and FPO shares
- Amount blocked in account until allotment
Remittance
1Inward Remittance
Service to receive money sent from abroad via bank deposit or cash pickup.
- Bank account deposit option
- Cash pickup option
- Dedicated remittance savings account available
Other
2Safe Deposit Locker
A locker facility for safekeeping valuables, with discounts on some savings schemes.
- Safe deposit locker facility
- Discounted locker charges on select accounts
365-Day Banking
Banking services available every day of the year at select branches.
- Open 365 days a year
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.