Interest Rates

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Interest Rates Effective from Kartik 3, 2078 (20th October, 2021)

Interest Rate for Deposits

S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
General 3.85
Chetanshil Nari Bachat 3.85
Kirshak 3.85
Shareholder 4.25
Sambriddhi 4.50
Ba Ama 5.50
Karmachari Nibritibharan Bachat Khata 5.50
Social Security Special Saving A/C 4.75
Sabai Nepali Ko Bachat Khata 3.85
ADBL Salary/Payroll Khata 5.50
Remittance Bachat Khata 6.50
USD 0.80
EURO 0.60
POUND STERLING 0.60
2 Fixed Deposit :-
2.1 Corporate :
3 Months 7.50
3 Months  (renewal) 7.60
6 Months 7.60
6 Months (renewal) 7.70
1 Year 7.85
1 Year ( renewal) 7.85
Above 1 Year to 2 years 7.85
Above 1 Year to 2 years (renewal) 7.85
Above 2 Years to 5 Years 7.85
Above 2 Years to 5 Years (renewal) 7.85
Bidding Rate up to 1 year 7.85
Bidding Rate  up to 1 year (renewal) 7.85
Bidding Rate for more than 1 year 7.85
Bidding Rate for more than 1 year (renewal) 7.85
2.2 Individual :
General FD
3 Months 8.25
6 Months 8.35
1 Year 8.85
Above 1 Year to 2 years 8.85
Above 2 Years to 5 Years 8.85
ADBL Special FD
6 Months to 1 Year 8.85
Above 1 Year  to 5 Years 8.85
Mero Khusi mero Bhawisya FD:
6 Months to 1 Year 8.85
Above 1 Year  to 5 Years 8.85
Sewa Nibirta Karmachari FD
6 Months to 1 Year 8.85
Above 1 Year  to 5 Years 8.85
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 AkshyaKosh 8.85
4.1 Call Deposit 1.93
4.2 Co-operative Call Deposit 1.93

Interest Rate for Loan Products

S.N. Loan Types Premium Range (%)
1 Agro-Production Loan Base Rate Plus  upto 2
2 Livestock Loan Base Rate Plus  upto  2
3 Fish Farming Base Rate Plus  upto  2
4 Sauliyatpurna Karja (ब्याज अनुदान संग सम्बन्धित) Base Rate Plus  upto  2
5 Yuba SwarojgarKarja Base Rate Plus  upto  2
6 ColdStorage Loan Base Rate Plus upto2
7 Agro- Tools Purchase Loan Base Rate Plus upto 5
8 SaralKrishiKarja (cg'bfgafx]s) Base Rate Plus  upto 5
9 Wholesale Lending Base Rate Plus  upto 3
10 Industry, Processing & Mines Loan Base Rate Plus  upto 5
11 Hydropower and other Alternative Energy Loan Base Rate Plus  upto 5
12 Service Loan Base Rate Plus  upto 5
13 Home Stay Service Loan Base Rate Plus  upto 5
14 Tourism Service Loan Base Rate Plus  upto 5
15 Business Loan Base Rate Plus  upto 5
16 Household Loan Base Rate Plus  upto 5
17 Employee Service Loan Base Rate Plus  upto 5
18 Overdraft Loan
18.1 Individual Base Rate Plus  upto 5
18.2 Institutional Base Rate Plus  upto 5
19 Saral Thekka patta Karja/Demand/ Contract Loan Base Rate Plus  upto 5
20 Hypothecation Loan Base Rate Plus  upto 5
21 Home Loan
21.1 5 Years Base Rate Plus  upto 5
21.2 10 Years Base Rate Plus  upto 5
21.3 15 Years and Above Base Rate Plus  upto 5
22 House Purchase Loan
22.1 5 Years Base Rate Plus  upto 5
22.2 10 Years Base Rate Plus  upto 5
22.3 15 Years and Above Base Rate Plus  upto 5
23 Land  Purchase Loan Base Rate Plus  upto 5
24 Business Complex and Housing Loan Base Rate Plus  upto 5
25 Education  Loan Base Rate Plus  upto 5
26 Hire Purchase Loan Base Rate Plus  upto 5
27 Auto Loan Base Rate Plus  upto 5
28 Loan Against Gold and Silver Base Rate Plus  upto 5
29 Loan Against Fixed Deposit  Receipt Coupon Rate Plus  2 %
30 Loan Against Government and Other Securities Coupon Rate Plus  2 % or Base rate whichever is higher
31 Margin Lending Loan Base Rate Plus  upto 3
32 Consortium Financing As per agreement
33 Bridge Gap Loan As per agreement
34 TR Loan NPR Base Rate Plus  upto 3
35 TR Loan USD LIBOR Rate Plus Premium
36 Pre-shipment Loan Base Rate Plus  upto 3
37 Post shipment Loan Base Rate Plus  upto 3
38 Reconstruction Loan ने. रा. बैंकको नियमअनुसार
39 Advance on Credit Base Rate Plus  upto 5
40 Salary Account Loan/Professional Loan Base Rate Plus  upto 5
41 Mortgage Loan Base Rate Plus  upto 5
42 Foreign Employment Loan Base Rate Plus  upto 5
43 Subsidised Bagmati Province Loan प्रदेश सरकारको नियम अनुसार
44 Subsidised Lumbini Province Loan Base Rate Plus  upto  2
45 Subsidised Karnali Province Loan Base Rate Plus  upto  2
46 Subsidised Sudur Paschim Province Loan Base Rate Plus  upto  2
47 BayabsayJibanRakshyaKarja ( Only for Gandaki Province ) Base Rate Plus  upto 3
48 Short Term Loan Base Rate Plus  upto  2

Interest Rate for EMI Products

S.N. EMI Product Fixed Interest Rate(%)PerAnnum Floating Interest Rate Premium Range (%)
1 Agro tools 8.50 Base Rate Plus 0  to 5
2 Overdraft 11.50 Base Rate Plus 0  to 5
3 Home Loan
5 years 8.50 Base Rate Plus 0  to 5
10 years 9.00 Base Rate Plus 0  to 5
Above 10 years 9.50 Base Rate Plus 0  to 5
4 House Purchase Loan
5 years 8.50 Base Rate Plus 0  to 5
10 years 9.00 Base Rate Plus 0  to 5
Above 10 years 9.50 Base Rate Plus 0  to 5
5 Land Purchase 9.00 Base Rate Plus 0  to 5
6 Education Loan 9.00 Base Rate Plus 0  to 5
7 Hire Purchase 9.00 Base Rate Plus 0  to 5
8 Auto Loan 9.00 Base Rate Plus 0  to 5
9 Salary Account Loan 9.00 Base Rate Plus 0  to 2
10 Home Stay Service Loan 9.00 Base Rate Plus 0  to 4

Notes

  • Base Rate 7.13% as at end of Ashadh, 2078
  • Penal Interest 2%
  • Kindly contact our nearest branch for further details