Saving & Loan Products Saving ProductInterest RateCompulsory/Group Saving7.19%Personal Saving7.19%Life Saving8.0%Smart Life Saving8.0%Center Fund7.19%Child Saving 7.19% Loan ProductBase RateInterest RateService ChargeGeneral Loan13.61% 14.38%1.30%Project Loan13.61% 14.38%1.30%Seasonal Loan/Discipline Loan13.61%14.38%1.30%Micro Health Insurance Loan13.61%14.38%1.30%Micro Enterprise Loan/Collateral Loan 13.61%14.38%1.30%* Terms and Conditions May Apply–Dalit, Mukta kamaiya, Badi, Haliya, Disaster victim, Single women, Disabled and Elderly citizens will be provided a discount of 1% percent on interest rate.– In case of delay repayment of loan additional 2% penalty will be added. Insurance Product Loan InsuranceInsurance for Member DeathInsurance for Member Spouse DeathInsurance for Member Maternity