Interest Rate for Deposits
|
S.N.
|
Deposit Types
|
Rates (%) Per Annum
|
|
1
|
Saving Deposit :
|
|
|
|
General Savings
|
5.05
|
|
|
Chetanshil Nari Bachat
|
5.90
|
|
|
Kirshak Bachat
|
5.10
|
|
|
Shareholder Bachat
|
5.10
|
|
|
Sambriddhi Bachat
|
6.00
|
|
|
Ba Ama Bachat
|
6.10
|
|
|
Karmachari Nibritibharan Bachat
|
5.05
|
|
|
Social Security Special Saving
|
5.05
|
|
|
Sabai Nepali Ko Bachat
|
5.05
|
|
|
ADBL Salary/Payroll Bachat
|
6.10
|
|
|
Remittance Bachat
|
7.10
|
|
|
USD
|
2.00
|
|
|
EURO
|
0.60
|
|
|
POUND STERLING (GBP)
|
0.60
|
|
2
|
Fixed Deposit :-
|
|
|
2.1
|
Institutional :
|
|
|
|
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
|
|
3.1
|
Call Deposit LCY
|
2.52
|
|
3.2
|
Co-operative Call Deposit LCY
|
2.52
|
|
3.3
|
Call Deposit USD
|
1.00
|
|
3.4
|
Call Deposit EURO (EUR)
|
0.30
|
|
3.5
|
Call Deposit POUND STERLING (GBP)
|
0.30
|
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
|
ने. रा. बैंकको व्यवस्था 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 व्यवस्था 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(%)Per Annum
|
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 Interest Rate is 7.12% as at end of Aswin, 2078.
- The interest rate for Endowment Fund (Akchya Kosh) would be determined based on mutual agreement.
- Interest on Term Deposits is posted on quarterly basis.
- Kindly contact our nearest branch for further details.
