| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
1 | Saving Deposit : | |
Hamro Bachat Khata | 2.75 | |
General Savings | 2.75 | |
Bal Surakchya Bachat Khata | 3.67 | |
Chetanshil Nari Bachat | 3.67 | |
Kirshak Bachat | 3.9 | |
Shareholder Bachat | 4.12 | |
Sambriddhi Bachat | 4.13 | |
Ba Ama Bachat | 4.36 | |
ADBL Platinum Savings | 4.36 | |
Karmachari Nibritibharan Bachat | 3.67 | |
Social Security Special Saving | 3.67 | |
Purbakarmachari Samman Bachat | 4.36 | |
Sabai Nepali Ko Bachat | 3.44 | |
ADBL Salary Account | 4.35 | |
Payroll Bachat | 4.35 | |
Corporate Payroll | 4.35 | |
Matribhumi Savings | 5.36 | |
Remittance Savings | 5.36 | |
USD | 2.75 | |
EURO | 2.75 | |
POUND STERLING (GBP) | 2.75 | |
2 | Fixed Deposit :- | |
2.1 | Institutional(Including Bidding): | |
Six Months and Above | 2.75 | |
2.2 | Individual : | |
General FD | ||
Three Months to One Year | 2.75 | |
Two Years | 2.85 | |
Three Years | 3 | |
Four Years and Above | 4.25 | |
ADBL Remittance FD* | 3.75 to 5.25 | |
ADBL Special FD | 2.85 | |
Mero Khusi Mero Bhawisya FD | 2.85 | |
Sewa Nibirtta Karmachari FD | 2.85 | |
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance | 3.75 to 5.25 | |
Lakhpati Karodpati Dhamaka Muddati Khata-Normal | 4.25 | |
Chori-Chora Jeevan Samunnat Khata | 4.25 | |
ADBL Recurring Muddati Khata | 4.25 | |
2.3 | Fixed Deposit USD | |
Three Months | 3.5 | |
Six Months | 3.4 | |
Nine Months | 3.3 | |
One Year | 3.25 | |
3 | Akchayakosh (Endowment Fund) | 2.75 |
4 | Call Deposits | |
4.1 | Call Deposit LCY | 1.37 |
4.2 | Co-operative Call Deposit LCY | 1.37 |
4.3 | Call Deposit USD | 1.37 |
4.4 | Call Deposit EURO (EUR) | 1.37 |
4.5 | Call Deposit POUND STERLING (GBP) | 1.37 |
5 | NRN Deposit Accounts | |
5.1 | NRN Savings Accounts | |
5.1.1 | USD | 2.75 |
5.1.2 | Japanese Yen | 3 |
5.2 | NRN Fixed Deposit Accounts | |
5.2.1 | USD | 3.35 |
5.2.2 | Japanese Yen | 3.9 |
| 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 | Sauliyatpurna Karja (Interest Subsidy Related)) | upto 2 |
5 | Yuba Swarojgar Karja | upto 2 |
6 | Cold Storage Loan | upto 2 |
7 | Agro- Tools Purchase Loan | upto 2 |
8 | Saral Krishi Karja (Except Interest Subsidy) | upto 2 |
9 | Agricultural SMEs | upto 2 |
10 | Wholesale Lending | Upto 3 |
11 | Industry, Processing and Mines Loan | Upto 3 |
12 | Hydropower and other Alternative Energy Loan | Upto 3 |
13 | Service Loan | Upto 3 |
14 | Home Stay Service Loan | Upto 3 |
15 | Tourism Service Loan | Upto 3 |
16 | Business Loan | Upto 3 |
17 | Household Loan | upto 3 |
18 | Employee Service Loan | Upto 3 |
19 | Overdraft Loan | |
19.1 | Individual | upto 3 |
19.2 | Institutional | upto 3 |
19.3 | Overdraft Card | upto 5 |
20 | Saral Thekka patta Karja/Demand/ Contract Loan | Upto 3 |
21 | Hypothecation Loan | Upto 3 |
22 | Home Loan/House Purchase Loan | |
22.1 | Upto5 Years | Upto 3 |
22.2 | >5 to 10 Years | Upto 3 |
22.3 | > 10 to 15 Years | Upto 3 |
22.4 | Above 15 Years | Upto 3 |
23 | Land Purchase Loan | Upto3 |
24 | Business Complex and Housing Loan | Upto3 |
25 | Education Loan | Upto 3 |
26 | Hire Purchase Loan | Upto 3 |
27 | Auto Loan | Upto 3 |
28 | Loan Against Gold and Silver | Upto 3 |
29 | Loan Against Fixed Deposit Receipt | Coupon RatePlus 1.5% |
30 | Loan Against Government and Other Securities | Coupon Rate Plus 1.5% |
31 | Margin Lending Loan | Upto 3 |
32 | Consortium Financing | As per agreement |
33 | Bridge Gap Loan | As per agreement |
34 | TR Loan NPR | upto 3 |
35 | TR Loan USD | SOFR Plus Premium |
36 | Pre-shipment Loan | Upto 3 |
37 | Post shipment Loan | Upto 3 |
38 | Reconstruction Loan | As Per NRB Provisions |
39 | Advance on Credit | Upto 3 |
40 | Salary Account Loan/Professional Loan | Upto 3 |
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 | Subsidised Karnali Province Loan | upto 2 |
46 | Subsidised Sudur Paschim Province Loan | upto 2 |
47 | Bayabsay Jiban Rakshya Karja (Gandaki Province ) | Upto 3 |
48 | Short Term Loan | upto 3 |
49 | Fone Loan | 15% |
50 | Value Chains for Inclusive Transformation of Agriculture (VITA) Loans | |
50.1 | Agriculture and Forest | As per the agreement with IFAD |
50.2 | Fishery | As per the agreement with IFAD |
50.3 | Agriculture, Forest, and Beverage Production | As per the agreement with IFAD |
50.4 | Transportation, Storage, and Communication | As per the agreement with IFAD |
50.5 | Wholesale and Retail Business | As per the agreement with IFAD |
50.6 | Finance, Insurance and Fixed Assets | As per the agreement with IFAD |
| S.N. | EMI Products | Fixed Interest Rate/Annum (%) |
|---|---|---|
1 | Agro tools | 10.65 |
2 | Home Loan | |
2.1 | upto5 years | 10.15 |
2.2 | >5 to 10 years | 10.65 |
2.3 | >10 to 15years | 11.15 |
2.4 | >15years | 11.65 |
3 | House Purchase | |
3.1 | upto5 years | 10.15 |
3.2 | >5 to 10 years | 10.65 |
3.3 | >10 to 15years | 11.15 |
3.4 | >15years | 11.65 |
4 | Land Purchase | 10.65 |
5 | Education Loan | 10.65 |
6 | Hire Purchase | 10.65 |
7 | Auto Loan | 10.65 |
8 | Salary Account Loan | 10.65 |
9 | Home Stay Service | 10.65 |
10 | Overdraft Individual | 10.65 |
