Interest Rates
Interest Rates Effective From 1, 2081 Baisakh (12 April, 2024)
Deposit Rates (निक्षेपको ब्याजदर)
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| HamroBachatKhata | 3.0000 | |
| General Savings | 3.0000 | |
| Bal SurakchyaBachatKhata | 4.0000 | |
| SanyuktaBachatKhata | 3.5000 | |
| ChetanshilNariBachat | 4.0000 | |
| SamunnatChetansilNariBachat | 4.2600 | |
| KirshakBachat | 4.2500 | |
| ShareholderBachat | 4.5000 | |
| SambriddhiBachat | 4.5100 | |
| Ba AmaBachat | 4.7600 | |
|
ADBL Platinum Savings |
4.7600 | |
| KarmachariNibritibharanBachat | 4.0000 | |
| Social Security Special Saving | 4.0000 | |
| PurbakarmachariSammanBachat | 4.7600 | |
| Sabai Nepali Ko Bachat | 3.7500 | |
| ADBL Salary Account | 4.7500 | |
| Payroll Bachat | 4.7500 | |
| Corporate Payroll | 4.7500 | |
| Remittance Bachat | 5.7600 | |
| Matribhumi Savings | 5.7600 | |
| USD | 4.0000 | |
| EURO | 3.0000 | |
| POUND STERLING (GBP) | 3.0000 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Institutional : | |
| 6 Months and upto 5 Years | 4.0100 | |
|
6 Months and upto 5 years (bidding) |
4.5100 | |
| 2.2 | Individual : | |
| General FD | ||
| Three Months | 4.2551 | |
| Six Months | 4.5551 | |
| Above 6 Months upto 1 Year | 5.2551 | |
| Above 1 Yearupto 5 Years | 5.6661 | |
|
ADBL Remittance FD |
6.6661 | |
|
ADBL Special FD |
5.2551 | |
| Mero KhusiMeroBhawisya FD | 5.2551 | |
|
SewaNibirttaKarmachari FD |
5.2551 | |
|
LakhpatiKarodpatiDhamakaMuddatiKhata- Remittance |
6.6661 | |
|
LakhpatiKarodpatiDhamakaMuddatiKhata- Individual |
5.2551 | |
|
ChoriChora Jeevan SamunnatKhata |
5.2551 | |
|
ADBL Recurrent MuddatiKhata |
5.2551 | |
| 2.3 |
Fixed Deposit USD |
|
| 3 Months and upto 1 Year | 5.0000 | |
| 3 |
Akchayakosh (Endowment Fund) |
4.0100 |
| 4.0 |
Call Deposits |
|
| 4.1 | Call Deposit LCY | 1.5000 |
| 4.2 | Co-operative Call Deposit LCY | 1.5000 |
| 4.3 | Call Deposit USD | 2.0000 |
| 4.4 | Call Deposit EURO (EUR) | 1.5000 |
| 4.5 |
Call Deposit POUND STERLING (GBP) |
1.5000 |
| 5.0 | NRN Deposit Accounts | |
| 5.1 | NRN Savings Accounts | |
| 5.1.1 | USD | 4.0000 |
| 5.1.2 | Japanese Yen | 2.4000 |
| 5.2 | NRN Fixed Deposit Accounts | |
| 5.2.1 | USD | 5.0000 |
| 5.2.2 | Japanese Yen | 3.9000 |
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 to2 |
| 7 |
Agro- Tools Purchase Loan |
upto3 |
| 8 | SaralKrishiKarja(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 |
SaralThekkapattaKarja/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 | SubsidisedKarnali Province Loan | upto 2 |
| 46 | SubsidisedSudur Paschim Province Loan | upto 2 |
| 47 |
Bayabsay Jiban RakshyaKarja (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 |
EMI Product's Interest Rates (सम-मासिक कर्जाको ब्याजदर)
| S.N. |
EMI Products |
Fixed Rate Premium on Base Rate (%) |
Floating Rate Premium on Base Rate (%) |
|---|---|---|---|
| 1 | Agro tools | 4.00 |
upto 2 |
| 2 | Home Loan | ||
| 2.1 | 5 years | 3.50 |
upto 2 |
| 2.2 | 10 years | 4.00 |
upto 2.5 |
| 2.3 | Above 10 years | 4.50 |
upto 3 |
| 3 | House Purchase | ||
| 3.1 | 5 years | 3.50 |
upto 2 |
| 3.2 | 10 years | 4.00 |
upto 2.5 |
| 3.3 | Above 10 years | 4.50 |
upto 3 |
| 4 | Land Purchase | 4.00 |
upto 3 |
| 5 | Education Loan | 4.00 |
upto 3 |
| 6 | Hire Purchase | 4.00 |
upto 2.5 |
| 7 | Auto Loan | 4.00 |
upto 2.5 |
| 8 | Salary Account Loan | 4.00 |
upto 2.5 |
| 9 | Home Stay Service | 4.00 | Upto2.5 |
| 10 | Overdraft Individual | 4.00 |
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.
- Effective Base Rate for the month of Baisakh, 2081 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.
- The rates for FD with maturity over five years will be decided on mutual agreement within the limit of published FD rates.
- Interest Rates of working capital VITALoans (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.npfor further details.
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