Interest Rates
Interest Rates Effective From Chaitra 01, 2081 (14 March, 2025)
| S. N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposits : | |
| Hamro Bachat | 3.00 | |
| General Saving Account | 3.00 | |
| Sabai Nepali Ko Bachat | 3.75 | |
| Bal Surakchya Bachat | 4.00 | |
| Chetanshil Nari Bachat | 4.00 | |
| Social Security Special Saving | 4.00 | |
| Karmachari Nibritibharan Bachat | 4.00 | |
| Kirshak Bachat | 4.25 | |
| Shareholder Bachat | 4.50 | |
| Sambriddhi Bachat | 4.51 | |
| ADBL Salary Account | 4.75 | |
| Employee Payroll Account | 4.75 | |
| Corporate Payroll Account | 4.75 | |
| Ba Aama Bachat | 4.76 | |
| ADBL Platinum Savings | 4.76 | |
| Purba karmachari Samman Bachat | 4.76 | |
| Remittance Bachat | 5.76 | |
| NRN Matribhumi Remittance Bachat | 5.76 | |
| USD | 2.75 | |
| EURO | 2.75 | |
| POUND STERLING (GBP) | 2.75 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Institutional(Including Bidding): | |
| Six Months | 3.00 | |
| One Year | 3.00 | |
| Two Years | 3.00 | |
| Above Two Years | 3.25 | |
| 2.2 | Individual : | |
| General FD | ||
| Three Months | 3.00 | |
| Six Months | 3.25 | |
| One Year | 4.00 | |
| Two Years | 4.24 | |
| Three Years and Above | 5.51 | |
| ADBL Remittance FD* | 4.00 to 6.51 | |
| ADBL Special FD | 4.76 | |
| Mero Khusi Mero Bhawisya FD | 4.76 | |
| Sewa Nibirtta Karmachari FD | 4.76 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Remittance | 6.51 | |
| Lakhpati Karodpati Dhamaka Muddati Khata-Normal | 5.51 | |
| Chori-Chora Jeevan Samunnat Khata | 4.76 | |
| ADBL Recurring Muddati Khata | 5.51 | |
| 2.3 | Fixed Deposit USD | |
| Three Months | 3.65 | |
| Six Months | 3.55 | |
| Nine Months | 3.45 | |
| One Year | 3.35 | |
| 3 | Akchayakosh (Endowment Fund) | 5.51 |
| 4.0 | Call Deposits | |
| 4.1 | Call Deposit LCY | 1.50 |
| 4.2 | Co-operative Call Deposit LCY | 1.50 |
| 4.3 | Call Deposit USD | 1.38 |
| 4.4 | Call Deposit EURO (EUR) | 1.38 |
| 4.5 | Call Deposit POUND STERLING (GBP) | 1.38 |
| 5.0 | NRN Deposit Accounts | |
| 5.1 | NRN Savings Accounts | |
| 5.1.1 | USD | 2.75 |
| 5.1.2 | Japanese Yen | 3.00 |
| 5.2 | NRN Fixed Deposit Accounts | |
| 5.2.1 | USD | 3.35 |
| 5.2.2 | Japanese Yen | 3.90 |
| 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 | up to2 |
| 7 | Agro- Tools Purchase Loan | upto3 |
| 8 | Saral Krishi Karja (Except Interest Subsidy) | upto 5 |
| 9 | Agricultural SMEs | |
| 9.1 | Term | Upto 2 |
| 9.2 | Working Capital | Upto 1 |
| 10 | Wholesale Lending | Upto2 |
| 11 | Industry, Processing and Mines Loan | Upto3 |
| 12 | Hydropower and other Alternative Energy Loan | Upto3 |
| 13 | Service Loan | Upto3 |
| 14 | Home Stay Service Loan | Upto3 |
| 15 | Tourism Service Loan | Upto2 |
| 16 | Business Loan | Upto3 |
| 17 | Household Loan | upto 5 |
| 18 | Employee Service Loan | Upto2 |
| 19 | Overdraft Loan | |
| 19.1 | Individual | upto 5 |
| 19.2 | Institutional | upto 5 |
| 19.3 | Overdraft Card | upto 5 |
| 20 | Saral Thekka patta Karja/Demand/ Contract Loan | Upto3 |
| 21 | Hypothecation Loan | Upto2 |
| 22 | Home Loan/House Purchase Loan | |
| 22.1 | Upto5 Years | Upto2 |
| 22.2 | >5 to 10 Years | Upto2 |
| 22.3 | > 10 to 15 Years | Upto3 |
| 22.4 | Above 15 Years | Upto 5 |
| 23 | Land Purchase Loan | Upto3 |
| 24 | Business Complex and Housing Loan | Upto3 |
| 25 | Education Loan | Upto2 |
| 26 | Hire Purchase Loan | Upto2 |
| 27 | Auto Loan | Upto2 |
| 28 | Loan Against Gold and Silver | Upto4 |
| 29 | Loan Against Fixed Deposit Receipt | Coupon RatePlus2% |
| 30 | Loan Against Government and Other Securities | Coupon Rate Plus 2% |
| 31 | Margin Lending Loan | Upto2.50 |
| 32 | Consortium Financing | As per agreement |
| 33 | Bridge Gap Loan | As per agreement |
| 34 | TR Loan NPR | upto1 |
| 35 | TR Loan USD | SOFR Plus Premium |
| 36 | Pre-shipment Loan | Upto1 |
| 37 | Post shipment Loan | Upto1 |
| 38 | Reconstruction Loan | As Per NRB Provisions |
| 39 | Advance on Credit | Upto3 |
| 40 | Salary Account Loan/Professional Loan | Upto2 |
| 41 | Mortgage Loan | Upto3 |
| 42 | Foreign Employment Loan | Upto3 |
| 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 ) | Upto3 |
| 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 |
| S.N. | Loan Types | Fixed Interest Rate/Annum (%) | Floating Rate Premium on Base Rate (%) |
|---|---|---|---|
| 1 | Agro tools | 10.65 | upto 2 |
| 2 | Home Loan | ||
| 2.1 | upto5 years | 10.15 | upto 2 |
| 2.2 | >5 to 10 years | 10.65 | upto 2.5 |
| 2.3 | >10 to 15years | 11.15 | upto 3 |
| 2.4 | >15years | 11.65 | upto 3 |
| 3 | House Purchase | ||
| 3.1 | upto5 years | 10.15 | upto 2 |
| 3.2 | >5 to 10 years | 10.65 | upto 2.5 |
| 3.3 | >10 to 15years | 11.15 | upto 3 |
| 3.4 | >15years | 11.65 | upto 3 |
| 4 | Land Purchase | 10.65 | upto 3 |
| 5 | Education Loan | 10.65 | upto 3 |
| 6 | Hire Purchase | 10.65 | upto 2.5 |
| 7 | Auto Loan | 10.65 | upto 2.5 |
| 8 | Salary Account Loan | 10.65 | upto 2.5 |
| 9 | Home Stay Service | 10.65 | Upto2.5 |
| 10 | Overdraft Individual | 10.65 | upto 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.
- *Remittance FDs shall be added with 1% additional annual interest rates on respective general FDs' rates.
- Effective Base Rate for the month of Falgun could be obtained from our website www.adbl.gov.np
- The Interest Rates (Fixed) for Endowment Fund (AkchyaKosh) shall be determined based on mutual agreement.
- The rates for FD with maturity over five years will be decided 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.
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