Himalayan Bank has announced two new schemes for its customers. Those signing up for the Lakhoupati Deposit Yojana, a fixed deposit scheme will receive one ticket for every Rs 25,000 they deposit. Each ticket will be included in a quarterly draw for Rs 1 million. Depositors will receive one percent interest based on a minimum time period of six months. HBL has also announced it will provide loans to small businesses at 7.99 percent interest, the lowest rate of all commercial banks, according to Kishore Maharjan, HBL deputy general manager. The loan amount ranges from Rs 0.5 million to Rs 1.5 million. Both new schemes will be available at all branches of the bank from next week.