Interest Rates

View On Other Dates

Interest Rates Effective from Aswin 1, 2078 (17th September, 2021)

Interest Rate for Deposits

S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
General 3.50
Chetanshil Nari Bachat 3.50
Kirshak 3.50
Shareholder 4.25
Sambriddhi 4.25
Ba Ama 5.00
Karmachari Nibritibharan Bachat Khata 5.00
Social Security Special Saving A/C 4.50
Sabai Nepali Ko Bachat Khata 3.50
ADBL Salary/Payroll Khata 5.00
USD 0.80
EURO 0.60
POUND STERLING 0.60
2 Fixed Deposit :-
2.1 Corporate :
3 Months 6.00
3 Months  (renewal) 6.10
6 Months 6.25
6 Months (renewal) 6.35
1 Year 7.00
1 Year ( renewal) 7.10
2 Years to 5 Years 7.00
2 Years to 5 Years (renewal) 7.10
Bidding Rate up to 1 year 8.25
Bidding Rate  up to 1 year (renewal) 8.35
Bidding Rate for more than 1 year 8.50
Bidding Rate for more than 1 year (renewal) 8.50
2.2 Individual :
General FD
3 Months 6.50
6 Months 6.75
1 Year 7.25
2 to 5 Years 7.50
ADBL Special FD
6 Months & 9 Months 7.00
1 Year  to 5 Years 7.50
Mero Khusi mero Bhawisya FD:
6 Months & 9 Months 7.10
1 Year  to 5 Years 7.60
Sewa Nibirta Karmachari FD
6 Months & 9 Months 7.25
1 Year  to 5 Years 7.75
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 AkshyaKosh 7,50
4.1 Call Deposit 1.75
4.2 Co-operative Call Deposit 1.75

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 संबन्धित) 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 (अनुदानबाहेक) 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 ब्यबस्था अनुसार लाग्ने
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 ब्यबस्था अनुसार लाग्ने
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 BayabsayJibanRakshyaKarja ( Only for Gandaki Province ) Base Rate Plus  upto 3

Interest Rate for EMI Products

S.N. EMI Product Fixed Interest Rate(%)PerAnnum 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/Professional Loan 9.00 Base Rate Plus 0  to 2
10 Home Stay Service Loan 9.00 Base Rate Plus 0  to 4

Notes

  • Base Rate 7.13% as at end of Ashadh, 2078
  • Penal Interest 2%
  • Kindly contact our nearest branch for further details