Voluntary Saving scheme amount of saving deposit starts from rupees 100 per month for first year and goes to Rs. 500 per month for fifth year. The members have to deposit voluntary saving only for 10 months a year considering two great festivals i.e. Dashain & Tihar. Similarly, the member/ clients are free to make savings deposits at their own. Above mentioned 1% of the total credit amount is treated as a credit guarantee fund. The bank will give interest rates on the above types of savings deposits based on the prevailing market rate.