Interest Rates

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Interest Rates Effective from Shrawan 1, 2078 (16th July, 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 for 1 year 7.75
Bidding Rate for 1 year(renewal) 7.85
Bidding Rate for more than 1 year 8.00
Bidding Rate for more than 1 year(renewal) 8.10
2.2 Individual :
3 Months 6.50
6 Months 6.75
1 Year 7.25
2 to  5 Years 7.50
ADBL Special 7.50
Sewa Nibirta Karmachari 7.50
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 Akshya Kosh 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 अनुदानसंग सम्बन्धित ) Base Rate Plus upto  2
5 Yuba Swarojgar Karja Base Rate Plus upto  2
6 Cold Storage Loan Base Rate Plus upto  2
7 Agro- Tools Purchase Loan Base Rate Plus upto 5
8 Saral Krishi Karja ( अनुदान बाहेक ) 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 Thekkapatta 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 Base Rate Plus  upto 3
35 Pre-shipment Loan Base Rate Plus  upto 3
36 Post shipment Loan Base Rate Plus  upto 3
37 Reconstruction Loan ने.रा.बैंकको व्यवस्था अनुसार व्याज लाग्ने
38 Advance on Credit Base Rate Plus  upto 5
39 Salary Account Loan/Professional Loan Base Rate Plus  upto 5
40 Mortgage Loan Base Rate Plus  upto 5
41 Foreign Employment Loan Base Rate Plus  upto 5
42 Subsidised Bagmati Province Loan प्रदेश सरकारको व्यवस्था अनुसार व्याज लाग्ने
43 Subsidised Lumbini Province Loan Base Rate Plus  upto  2
44 Subsidised Karnali Province Loan Base Rate Plus  upto  2
45 Subsidised Sudur Paschim Province Loan Base Rate Plus  upto  2
46 Bayabsay Jiban Rakshya Karja ( Only for Gandaki Province ) Base Rate Plus  upto 3

Interest Rate for EMI Products

S.N. EMI Product Fixed Interest Rate (%) Per Annum 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

  • The aforesaid interest rate shall be applicable w.e.f. Sharawan 1, 2078 (16th July, 2021)
  •  Base Rate 7.48% as at 2077 Chaitra End
  • Penal Interest 2%
  • Kindly contact our nearest branch for further details