Interest Rate for Deposits
|
S.N.
|
Deposit Types
|
Rates (%) Per Annum
|
|
1
|
Saving Deposit :
|
|
|
|
General Savings
|
6.03
|
|
|
ChetanshilNari Bachat
|
6.90
|
|
|
Kirshak Bachat
|
6.10
|
|
|
ShareholderBachat
|
6.10
|
|
|
Sambriddhi Bachat
|
7.00
|
|
|
Ba Ama Bachat
|
7.10
|
|
|
Karmachari Nibritibharan Bachat
|
6.05
|
|
|
Social Security Special Saving
|
6.05
|
|
|
Sabai Nepali Ko Bachat
|
6.05
|
|
|
ADBL Salary/Payroll Bachat
|
7.10
|
|
|
Remittance Bachat
|
8.10
|
|
|
USD
|
2.00
|
|
|
EURO
|
0.60
|
|
|
POUND STERLING (GBP)
|
0.60
|
|
2
|
Fixed Deposit :-
|
|
|
2.1
|
Institutional :
|
|
|
|
3 Months and above
|
10.03
|
|
|
3 Months and above (renewal)
|
10.13
|
|
2.2
|
Individual :
|
|
|
|
General FD
|
|
|
|
3 Months and above
|
11.03
|
|
|
ADBL Remittance FD
|
12.03
|
|
|
ADBL Special FD
|
11.03
|
|
|
Mero KhusiMero Bhawisya FD
|
11.03
|
|
|
SewaNibirta Karmachari FD
|
11.03
|
|
2.3
|
Fixed Deposit USD
|
|
|
|
3 Months
|
2.00
|
|
|
6 Months
|
2.00
|
|
|
1 Year
|
2.00
|
|
3.0
|
Call Deposits
|
|
|
3.1
|
Call Deposit LCY
|
3.015
|
|
3.2
|
Co-operative Call Deposit LCY
|
3.015
|
|
3.3
|
Call Deposit USD
|
1.00
|
|
3.4
|
Call Deposit EURO (EUR)
|
0.30
|
|
3.5
|
Call Deposit POUND STERLING (GBP)
|
0.30
|
|
4.0
|
NRN Deposit Accounts
|
|
|
4.1
|
NRN Savings Accounts
|
|
|
4.1.1
|
USD
|
4.75
|
|
4.1.2
|
Japanese Yen
|
4.50
|
|
4.2
|
NRN Fixed Deposit Accounts
|
|
|
4.2.1
|
USD
|
5.50
|
|
4.2.2
|
Japanese Yen
|
5.00
|
Interest Rate for Loan Products
|
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 (ब्याज अनुदान संग सम्बन्धित)
|
upto 2
|
|
5
|
Yuba SwarojgarKarja
|
upto 2
|
|
6
|
ColdStorage Loan
|
Upto 2
|
|
7
|
Agro- Tools Purchase Loan
|
Upto 3
|
|
8
|
SaralKrishiKarja (अनुदान बाहेक)
|
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 2
|
|
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 व्वस्थाअनुसार व्याज लाग्ने
|
|
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 व्याज लाग्ने
|
|
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
|
Interest Rate for EMI Products
|
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 8.28% as at end of Chaitra, 2078.
- 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 Rate for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
- Kindly contact our nearest branch for further details.
Fixed Deposit
Effective From Shrawan 20, 2079 (05 August, 2022)
|
S.N.
|
Deposit Types
|
Rates (%) Per Annum
|
|
1
|
Fixed Deposit:-
|
|
|
1.1
|
Individual :
|
|
|
1.1.1
|
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance
|
12.03
|
|
1.1.2
|
Lakhpati Karodpati Dhamaka Muddati Khata- Individual
|
11.03
|
|
1.1.3
|
Chori Chora Jeevan Samunnat Khata
|
11.03
|
|
1.1.4
|
ADBL Recurrent Muddati Khata
|
11.03
|
Notes:
- Base Interest Rate is 8.90% as at end of Ashad, 2079.
- The Interest Rate for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
- Kindly contact our nearest branch for further details.
