Kumari bank introduces “Kumari Smart Fixed Deposit” targeted to the individuals only. This account can be opened for a period 1 & 2 years. Effective rate of interest is 9.38%* for two years and 8.84%* for one year. Special feature of this product is that the interest will be credited in customer’s checking (saving/ current) account every month ,as a result, one can enjoy the ultimate benefit by planning monthly income on the basis of deposit one makes. The more the deposit in “Kumari Smart FD”, the more is the monthly income (gain). Furthermore, one also continues to get additional interest in his/her savings account, upon the transfer of the interest from the Fixed Deposit every month “Byaj ko Syaj”! Thus, resulting in a gain even more than 9.38%* rate of interest.