Interest Rates

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Rates of Interest Effective From Mangsir 1, 2079 (17 November, 2022)

Deposits Interest Rates Effective From Mangsir 1, 2079 (17 November, 2022)
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
General Savings 7.133
ChetanshilNari Bachat 7.20
Kirshak Bachat 7.15
ShareholderBachat 7.15
Sambriddhi Bachat 7.25
Ba Ama Bachat 7.30
Karmachari Nibritibharan Bachat 7.20
Social Security Special Saving 7.15
Sabai Nepali Ko Bachat 7.15
ADBL Salary/Payroll Bachat 7.30
Remittance Bachat 9.13
USD 5.00
EURO 2.50
POUND STERLING (GBP) 4.25
2 Fixed Deposit :-
2.1 Institutional :
3 Months and above 10.133
3 Months and above  (for bidding) upto 10.633
2.2 Individual :
General FD
3 Months and above 12.133
ADBL Remittance FD 14.13
ADBL Special FD 12.133
Mero KhusiMero Bhawisya FD 12.133
SewaNibirtta Karmachari FD 12.133
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance 14.13
Lakhpati Karodpati Dhamaka Muddati Khata- Individual 12.133
Chori Chora Jeevan Samunnat Khata 12.133
ADBL Recurrent Muddati Khata 12.133
2.3 Fixed Deposit USD
3 Months 6.50
6 Months 6.50
1 Year 6.50
3.0 Call Deposits
3.1 Call Deposit LCY 3.566
3.2 Co-operative Call Deposit LCY 3.566
3.3 Call Deposit USD 2.500
3.4 Call Deposit EURO (EUR) 1.250
3.5 Call Deposit POUND STERLING (GBP) 2.125
4.0 NRN Deposit Accounts
4.1 NRN Savings Accounts
4.1.1 USD 5.00
4.1.2 Japanese Yen 2.40
4.2 NRN Fixed Deposit Accounts
4.2.1 USD 6.50
4.2.2 Japanese Yen 3.90
Loan Product Interest Rates Effective From Mangsir 1, 2079 (17 November, 2022)
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 (ब्याजअनुदानसंग सम्बन्धित) upto  2
5 Yuba SwarojgarKarja upto  2
6 ColdStorage Loan Upto 2
7 Agro- Tools Purchase Loan Upto 3
8 SaralKrishiKarja ( अनुदानबाहेक) upto 5
9 Wholesale Lending Upto 2
10 Industry, Processing & Mines Loan Upto 3
11 Hydropower and other Alternative Energy Loan Upto 3
12 Service Loan Upto 3
13 Home Stay Service Loan Upto 3
14 Tourism Service Loan Upto 2
15 Business Loan Upto 3
16 Household Loan upto 5
17 Employee Service Loan Upto 2
18 Overdraft Loan
18.1 Individual upto 5
18.2 Institutional upto 5
19 SaralThekkapattaKarja/Demand/ Contract Loan Upto 3
20 Hypothecation Loan Upto 2
21 Home Loan
21.1 5 Years Upto 2
21.2 10 Years Upto 2
21.3 15 Years and Above Upto 3
22 House Purchase Loan
22.1 5 Years Upto 2
22.2 10 Years Upto 2
22.3 15 Years and Above upto 5
23 Land  Purchase Loan Upto 3
24 Business Complex and Housing Loan Upto 3
25 Education  Loan Upto 2
26 Hire Purchase Loan Upto 2
27 Auto Loan Upto 2
28 Loan Against Gold and Silver Upto 4
29 Loan Against Fixed Deposit  Receipt Coupon Rate or Base Rate whichever is higher Plus  2 %
30 Loan Against Government and Other Securities Coupon Rate or Base Rate whichever is higher
Plus  2 %
31 Margin Lending Loan Upto 5
32 Consortium Financing As per agreement
33 Bridge Gap Loan As per agreement
34 TR Loan NPR Upto 1
35 TR Loan USD SOFR
Plus Premium
36 Pre-shipment Loan Upto 1
37 Post shipment Loan Upto 1
38 Reconstruction Loan ने.रा.बैंकको व्यवस्थाअनुसार व्याजलाग्ने
39 Advance on Credit Upto 3
40 Salary Account Loan/Professional Loan Upto 2
41 Mortgage Loan Upto 3
42 Foreign Employment Loan Upto 3
43 Subsidised Bagmati Province Loan प्रदेश सरकारको व्यवस्थाअनुसार व्याजलाग्ने
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 ) upto 3
48 Short Term Loan upto  2
49 Value Chains for Inclusive Transformation of Agriculture (VITA) Loans
49.1 Agriculture and Forest upto  2
49.2 Fishery upto  2
49.3 Agriculture, Forest, and Beverage Production upto  2
49.4 Transportation, Storage, and Communication upto  2
49.5 Wholesale and Retail Business upto  2
49.6 Finance, Insurance and Fixed Assets upto  2
EMI Product Interest Rates Effective From Mangsir 1, 2079 (17 November, 2022)
S.N. EMI
Product
Fixed
Interest Rate(%)PerAnnum
Floating
Rate Premium on Base Rate (%)
1 Agro tools 8.95 Upto
2
2 Overdraft 11.95 upto
5
3 Home Loan
3.1 5 years 8.95 Upto
2
3.2 10 years 9.45 Upto
2.5
3.3 Above 10 years 9.95 Upto
3
4 House Purchase Loan
4.1 5 years 8.95 Upto
2
4.2 10 years 9.45 Upto
2.5
4.3 Above 10 years 9.95 Upto
3
5 Land Purchase 9.45 Upto
3
6 Education Loan 9.45 Upto
3
7 Hire Purchase 9.45 Upto
2.5
8 Auto Loan 9.45 Upto
2.5
9 Salary Account Loan 9.00 Upto
2.5
10 Home Stay Service Loan 9.45 Upto
2.5

Notes:

  • Base Interest Rate is 9.83% as at end of Aswin, 2079.
  • Interest Rates on Loan and Advances shall be adjusted as per the change in average Base Interest Rate of the bank on quarterly basis.
  • The Interest Rates for Endowment Fund (AkchyaKosh) having fixed deposit nature would be determined on mutual agreement.
  • Kindly contact our nearest branch for further details.