Interest Rates Effective from Mangsir 1, 2078 (17th November, 2021)

Interest Rate for Deposits

S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
General Savings 5.05
Chetanshil Nari Bachat Khata 5.90
Kirshak Bachat Khata 5.10
Shareholder Bachat Khata 5.10
Sambriddhi Bachat Khata 6.00
Ba Ama Bachat Khata 6.10
Karmachari Nibritibharan Bachat Khata 5.05
Social Security Special Saving A/C 5.05
Sabai Nepali Ko Bachat Khata 5.05
ADBL Salary/Payroll Khata 6.10
Remittance Bachat Khata 7.10
USD 0.80
EURO 0.60
POUND STERLING 0.60
2 Fixed Deposit :-
2.1 Corporate :
3 Months to 2 Years 9.05
3 Months to 2 Years  (renewal) 9.15
2.2 Individual :
General FD
3 Months to 2 Years 10.05
ADBL Remittance FD 11.05
ADBL Special FD
6 Months to 2 Years 10.05
Mero Khusi mero Bhawisya FD:
6 Months to 2 Years 10.05
Sewa Nibirta Karmachari FD
6 Months to 2 Years 10.05
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 AkshyaKosh 10.05
4.1 Call Deposit 2.53
4.2 Co-operative Call Deposit 2.53
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
General Savings 5.05
Chetanshil Nari Bachat Khata 5.90
Kirshak Bachat Khata 5.10
Shareholder Bachat Khata 5.10
Sambriddhi Bachat Khata 6.00
Ba Ama Bachat Khata 6.10
Karmachari Nibritibharan Bachat Khata 5.05
Social Security Special Saving A/C 5.05
Sabai Nepali Ko Bachat Khata 5.05
ADBL Salary/Payroll Khata 6.10
Remittance Bachat Khata 7.10
USD 0.80
EURO 0.60
POUND STERLING 0.60
2 Fixed Deposit :-

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 (अनुदान बाहेक) 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 नेपाल राष्ट्र बेंकको नियम अनुसार
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 ब्यबस्था 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 Bayabsay Jiban RakshyaKarja ( 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 7.12% as at end of Ashwin, 2078
  • Penal Interest 2%
  • Kindly contact our nearest branch for further details