Interest Rates

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New Interest Rate Effective From Jestha 01, 2081 (14 May, 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 4.0000
Samunnat Chetansil Nari Bachat 4.2600
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 4.0100
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 Khusi Mero Bhawisya FD 5.2551
Sewa
Nibirtta Karmachari FD
5.2551
Lakhpati
Karodpati Dhamaka Muddati Khata- Remittance
6.6661
Lakhpati
Karodpati Dhamaka Muddati Khata- Individual
5.2551
Chori
Chora Jeevan Samunnat Khata
5.2551
ADBL
Recurrent Muddati Khata
5.2551
2.3 Fixed
Deposit USD
3 Months and upto 1 Year 4.5000
3 Akchaya
kosh (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 Jestha , 2081 could be obtained from our websitewww.adbl.gov.np .
  • The Interest Rates (Fixed and Floating) for Endowment Fund (Akchya Kosh) 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 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.