Interest Rates Effective From Ashwin 1, 2080 (18 September, 2023)

Deposit Rates (निक्षेपको ब्याजदर)
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
Hamro Bachat Khata 5.5119
General Savings 5.7500
Bal Surakchya Bachat Khata 6.7500
Sanyukta Bachat Khata 6.0000
ChetanshilNari Bachat 7.0100
Kirshak Bachat 6.8000
ShareholderBachat 6.8000
Sambriddhi Bachat 7.0100
Ba Ama Bachat 7.1110
Karmachari Nibritibharan Bachat 6.7500
Social Security Special Saving 6.7500
Purbakarmachari Samman Bachat 7.0000
Sabai Nepali Ko Bachat 6.0000
ADBL Salary Account 7.0000
Payroll Bachat 7.0000
Remittance Bachat 8.0000
Matribhumi Savings 8.0000
USD 5.5000
EURO 2.7500
POUND STERLING (GBP) 4.6500
2 Fixed Deposit :-
2.1 Institutional:
6 Months and upto 5 Years 8.0119
6 Months and upto 5 years (bidding) 8.5119
2.2 Individual:
General FD
Three Months 9.5100
Six Months 9.5100
Above 6 Months upto 1 Year 10.0100
Above 1 Year upto 5 Years 10.0119
ADBL Remittance FD 11.0119
ADBL Special FD 10.0119
Mero KhusiMero Bhawisya FD 10.0119
SewaNibirtta Karmachari FD 10.0119
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance 11.0119
Lakhpati Karodpati Dhamaka Muddati Khata- Individual 10.0119
Chori Chora Jeevan Samunnat Khata 10.0119
ADBL Recurrent Muddati Khata 10.0119
2.3 Fixed Deposit USD
3 Months and upto 1 Year 7.1500
3 Akchayakosh (Endowment Fund) 8.0119
4.0 Call Deposits
4.1 Call Deposit LCY 2.7560
4.2 Co-operative Call Deposit LCY 2.7560
4.3 Call Deposit USD 2.7500
4.4 Call Deposit EURO (EUR) 1.3750
4.5 Call Deposit POUND STERLING (GBP) 2.3250
5.0 NRN Deposit Accounts
5.1 NRN Savings Accounts
5.1.1 USD 5.0000
5.1.2 Japanese Yen 2.4000
5.2 NRN Fixed Deposit Accounts
5.2.1 USD 6.5000
5.2.2 Japanese Yen 3.9000
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 2.50
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 Aswin, 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 Rates of working capital VITA Loans (Value Chains for Inclusive Transformation of Agriculture) will be as per the bank's own policy.
  • Kindly contact our nearest branch or visit www.adbl.gov.np for further details.