Interest Rates

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Interest Rates Effective From Falgun 1, 2080 (13 February, 2024)

Deposit Rates (निक्षेपको ब्याजदर)
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
Hamro Bachat Khata 3.0000
General Savings 3.0000
Bal Surakchya Bachat Khata 4.0000
Sanyukta Bachat Khata 3.5000
Chetanshil Nari Bachat 4.2600
Samunnat Chetansil Nari Bachat 4.0000
Kirshak Bachat 4.2500
Shareholder Bachat 4.5000
Sambriddhi Bachat 4.5100
Ba Ama Bachat 4.7600
ADBL Platinum Savings 4.7600
Karmachari Nibritibharan Bachat 4.0000
Social Security Special Saving 4.0000
Purbakarmachari Samman Bachat 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 4.4430
6 Months and upto 5 years (bidding) 4.9430
2.2 Individual :
General FD
Three Months 4.7600
Six Months 5.0000
Above 6 Months upto 1 Year 6.0100
Above 1 Year upto 5 Years 6.4430
ADBL Remittance FD 7.4430
ADBL Special FD 6.0100
Mero Khusi Mero Bhawisya FD 6.0100
Sewa Nibirtta Karmachari FD 6.0100
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance 7.4430
Lakhpati Karodpati Dhamaka Muddati Khata- Individual 6.0100
ChoriChora Jeevan Samunnat Khata 6.0100
ADBL Recurrent Muddati Khata 6.0100
2.3 Fixed Deposit USD
3 Months and upto 1 Year 4.0000
3 Akchayakosh (Endowment Fund) 4.4430
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 Wholesale Lending Upto2
10 Industry, Processing & Mines Loan Upto3
11 Hydropower and other Alternative Energy Loan Upto3
12 Service Loan Upto3
13 Home Stay Service Loan Upto3
14 Tourism Service Loan Upto2
15 Business Loan Upto3
16 Household Loan upto 5
17 Employee Service Loan Upto2
18 Overdraft Loan
18.1 Individual upto 5
18.2 Institutional upto 5
18.3 Overdraft Card upto 5
19 SaralThekkapattaKarja/Demand/ Contract Loan Upto3
20 Hypothecation Loan Upto2
21 Home Loan/House Purchase Loan
21.1 Upto5 Years Upto2
21.2 >5 to 10 Years Upto2
21.3 > 10 to 15 Years Upto3
21.4 Above 15 Years Upto 5
22 Land  Purchase Loan Upto3
23 Business Complex and Housing Loan Upto3
24 Education  Loan Upto2
25 Hire Purchase Loan Upto2
26 Auto Loan Upto2
27 Loan Against Gold and Silver Upto4
28 Loan Against Fixed Deposit  Receipt Coupon RatePlus2%
29 Loan Against Government and Other Securities Coupon Rate Plus 2%
30 Margin Lending Loan Upto2.50
31 Consortium Financing As per agreement
32 Bridge Gap Loan As per agreement
33 TR Loan NPR upto1
34 TR Loan USD SOFR Plus Premium
35 Pre-shipment Loan Upto1
36 Post shipment Loan Upto1
37 Reconstruction Loan As Per NRB Provisions
38 Advance on Credit Upto3
39 Salary Account Loan/Professional Loan Upto2
40 Mortgage Loan Upto3
41 Foreign Employment Loan Upto3
42 Subsidised Bagmati Province Loan As per the Agreement with Province Government
43 Subsidised Lumbini Province Loan upto 2
44 SubsidisedKarnali Province Loan upto 2
45 SubsidisedSudur Paschim Province Loan upto 2
46 Bayabsay Jiban RakshyaKarja (Gandaki Province ) Upto3
47 Short Term Loan upto 2
48 Value Chains for Inclusive Transformation of Agriculture (VITA) Loans
48.1 Agriculture and Forest As per the agreement with IFAD
48.2 Fishery As per the agreement with IFAD
48.3 Agriculture, Forest, and Beverage Production As per the agreement with IFAD
48.4 Transportation, Storage, and Communication As per the agreement with IFAD
48.5 Wholesale and Retail Business As per the agreement with IFAD
48.6 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 Falgun, 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.
  • 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.