Saving & Loan Products Saving ProductInterest RateCompulsory/Group Saving7.5%Personal Saving7.5%Life Saving8.0%Smart Life Saving8.0%Center Fund7.5%Child Saving 9.0% Loan ProductInterest RateService ChargeGeneral Loan15.0%1.30%Project Loan15.0%1.30%Seasonal Loan/Discipline Loan15.0%1.30%Micro Health Insurance Loan15.0%1.30%Micro Enterprise Loan/Collateral Loan 15.0%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 3% penalty will be added. Insurance Product Loan InsuranceInsurance for Member DeathInsurance for Member Spouse DeathInsurance for Member Maternity