Interest Rates Effective From Shrawan 1, 2080 (17 July, 2023)

Deposit Rates (निक्षेपको ब्याजदर)
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
Hamro Bachat Khata 5.40
General Savings 6.00
Bal Surakchya Bachat Khata 6.75
Sanyukta Bachat Khata 6.00
Chetanshil Nari Bachat 6.90
Kirshak Bachat khata 6.80
ShareholderBachat 6.80
Sambriddhi Bachat 6.90
Ba Ama Bachat 7.00
Karmachari Nibritibharan Bachat 6.75
Social Security Special Saving 6.75
Sabai Nepali Ko Bachat 6.00
ADBL Salary Account 7.00
Payroll Bachat 7.00
Remittance Bachat 8.00
Matribhumi Savings 8.00
USD 5.50
EURO 2.75
POUND STERLING (GBP) 4.65
2 Fixed Deposit :-
2.1 Institutional :
6 Months and upto 5 Years 7.51
6 Months and upto 5 years (bidding) 8.01
2.2 Individual :
General FD
3 Months and upto 5 Years 9.51
ADBL Remittance FD 10.51
ADBL Special FD 9.51
Mero KhusiMero Bhawisya FD 9.51
SewaNibirtta Karmachari FD 9.51
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance 10.51
Lakhpati Karodpati Dhamaka Muddati
Khata- Individual
9.51
Chori Chora Jeevan Samunnat Khata 9.51
ADBL Recurrent Muddati Khata 9.51
2.3 Fixed Deposit USD
3 Months and upto 1 Year 7.15
3 Akchayakosh (Endowment Fund) 7.51
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 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 Shrawan, 2080 could be obtained from our websitewww.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.
  • 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.