Interest Rates Effective From Asadh 1, 2080 (16 June, 2023)
Deposit Rates (निक्षेपको ब्याजदर)
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| Hamro Bachat Khata | 5.40 | |
| General Savings | 6.50 | |
| Bal Surakchya Bachat Khata | 7.25 | |
| Sanyukta Bachat Khata | 6.50 | |
| ChetanshilNari Bachat | 7.25 | |
| Kirshak Bachat | 7.15 | |
| ShareholderBachat | 7.15 | |
| Sambriddhi Bachat | 7.25 | |
| Ba Ama Bachat | 7.40 | |
| Karmachari Nibritibharan Bachat | 7.20 | |
| Social Security Special Saving | 7.15 | |
| Sabai Nepali Ko Bachat | 7.15 | |
| Payroll Bachat | 7.30 | |
| Remittance Bachat | 8.40 | |
| Matribhumi Savings | 8.40 | |
| USD | 5.50 | |
| EURO | 2.75 | |
| POUND STERLING (GBP) | 4.65 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Institutional : | |
| 6 Months and upto 5 Years | 7.99 | |
| 6 Months and upto 5 years (bidding) | 8.49 | |
| 2.2 | Individual : | |
| General FD | ||
| 3 Months and upto 5 Years | 9.99 | |
| ADBL Remittance FD | 10.99 | |
| ADBL Special FD | 9.99 | |
| Mero KhusiMero Bhawisya FD | 9.99 | |
| SewaNibirtta Karmachari FD | 9.99 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Remittance | 10.99 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Individual | 9.99 | |
| Chori Chora Jeevan Samunnat Khata | 9.99 | |
| ADBL Recurrent Muddati Khata | 9.99 | |
| 2.3 | Fixed Deposit USD | |
| 3 Months and upto 1 Year | 7.15 | |
| 3 | Akchayakosh (Endowment Fund) | 7.99 |
| 4.0 | Call Deposits | |
| 4.1 | Call Deposit LCY | 2.70 |
| 4.2 | Co-operative Call Deposit LCY | 2.70 |
| 4.3 | Call Deposit USD | 2.75 |
| 4.4 | Call Deposit EURO (EUR) | 1.375 |
| 4.5 | Call Deposit POUND STERLING (GBP) | 2.325 |
| 5.0 | NRN Deposit Accounts | |
| 5.1 | NRN Savings Accounts | |
| 5.1.1 | USD | 5.00 |
| 5.1.2 | Japanese Yen | 2.40 |
| 5.2 | NRN Fixed Deposit Accounts | |
| 5.2.1 | USD | 6.50 |
| 5.2.2 | Japanese Yen | 3.90 |
Loan Rates (कर्जाको ब्याजदर)
| S.N. | Loan Types | Premium on Base Rate (%) |
|---|---|---|
| 1 | Agro-Production Loan | upto 2 |
| 2 | Livestock Loan | upto 2 |
| 3 | Fish Farming | upto 2 |
| 4 | SauliyatpurnaKarja (Interest Subsidy Related)) | upto 2 |
| 5 | Yuba SwarojgarKarja | upto 2 |
| 6 | ColdStorage Loan | up to 2 |
| 7 | Agro- Tools Purchase Loan | upto 3 |
| 8 | SaralKrishiKarja( Except Interest Subsidy) | upto 5 |
| 9 | Wholesale Lending | up to 2 |
| 10 | Industry, Processing & Mines Loan | upto 3 |
| 11 | Hydropower and other Alternative Energy Loan | upto 3 |
| 12 | Service Loan | upto 3 |
| 13 | Home Stay Service Loan | upto 3 |
| 14 | Tourism Service Loan | upto 2 |
| 15 | Business Loan | upto 3 |
| 16 | Household Loan | upto 5 |
| 17 | Employee Service Loan | upto 2 |
| 18 | Overdraft Loan | |
| 18.1 | Individual | upto 5 |
| 18.2 | Institutional | upto 5 |
| 19 | SaralThekkapattaKarja/Demand/ Contract Loan | upto 3 |
| 20 | Hypothecation Loan | upto 2 |
| 21 | Home Loan | |
| 21.1 | 5 Years | upto 2 |
| 21.2 | 10 Years | upto 2 |
| 21.3 | 15 Years and Above | upto 3 |
| 22 | House Purchase Loan | |
| 22.1 | 5 Years | upto 2 |
| 22.2 | 10 Years | upto 2 |
| 22.3 | 15 Years and Above | upto 5 |
| 23 | Land Purchase Loan | upto 3 |
| 24 | Business Complex and Housing Loan | upto 3 |
| 25 | Education Loan | upto 2 |
| 26 | Hire Purchase Loan | upto 2 |
| 27 | Auto Loan | upto 2 |
| 28 | Loan Against Gold and Silver | upto 4 |
| 29 | Loan Against Fixed Deposit Receipt | Coupon Rate Plus 2% |
| 30 | Loan Against Government and Other Securities | Coupon Rate Plus 2% |
| 31 | Margin Lending Loan | upto 5 |
| 32 | Consortium Financing | As per agreement |
| 33 | Bridge Gap Loan | As per agreement |
| 34 | TR Loan NPR | upto 1 |
| 35 | TR Loan USD | SOFR Plus Premium |
| 36 | Pre-shipment Loan | upto 1 |
| 37 | Post shipment Loan | upto 1 |
| 38 | Reconstruction Loan | As Per NRB Provisions |
| 39 | Advance on Credit | upto 3 |
| 40 | Salary Account Loan/Professional Loan | upto 2 |
| 41 | Mortgage Loan | upto 3 |
| 42 | Foreign Employment Loan | upto 3 |
| 43 | Subsidised Bagmati Province Loan | As per the Agreement with Province Government |
| 44 | Subsidised Lumbini Province Loan | upto 2 |
| 45 | SubsidisedKarnali Province Loan | upto 2 |
| 46 | SubsidisedSudur Paschim Province Loan | upto 2 |
| 47 | Bayabsay Jiban RakshyaKarja (Gandaki Province ) | upto 3 |
| 48 | Short Term Loan | upto 2 |
| 49 | Value Chains for Inclusive Transformation of Agriculture (VITA) Loans | |
| 49.1 | Agriculture and Forest | As per the agreement with IFAD |
| 49.2 | Fishery | As per the agreement with IFAD |
| 49.3 | Agriculture, Forest, and Beverage Production | As per the agreement with IFAD |
| 49.4 | Transportation, Storage, and Communication | As per the agreement with IFAD |
| 49.5 | Wholesale and Retail Business | As per the agreement with IFAD |
| 49.6 | Finance, Insurance and Fixed Assets | As per the agreement with IFAD |
EMI Product's Interest Rates (सम-मासिक कर्जाको ब्याजदर)
| S.N. | EMI Products | Fixed Rate (%) | Floating Rate Premium on Base Rate (%) |
|---|---|---|---|
| 1 | Agro tools | 12.27 | upto 2 |
| 2 | Home Loan | ||
| 2.1 | 5 years | 13.02 | upto 2 |
| 2.2 | 10 years | 13.27 | upto 2.5 |
| 2.3 | Above 10 years | 13.52 | upto 3 |
| 3 | House Purchase | ||
| 3.1 | 5 years | 13.02 | upto 2 |
| 3.2 | 10 years | 13.27 | upto 2.5 |
| 3.3 | Above 10 years | 13.52 | upto 3 |
| 4 | Land Purchase | 13.52 | upto 3 |
| 5 | Education Loan | 13.27 | upto 3 |
| 6 | Hire Purchase | 13.52 | upto 2.5 |
| 7 | Auto Loan | 13.52 | upto 2.5 |
| 8 | Salary Account Loan | 13.77 | upto 2.5 |
| 9 | Home Stay Service | 13.27 | upto 2.5 |
Notes:
- Interest Rates on Loan and Advances (Floating Rates) shall be adjusted as per the change in average Base Rate of previous three months.
- Effective Base Rate for the month of Ashad, 2080 could be obtained from our website www.adbl.gov.np .
- The Interest Rates (Fixed and Floating) for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
- Interest posting on all deposit accounts is carried out quarterly.
- Kindly contact our nearest branch or visit www.adbl.gov.np for further details.
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