Interest Rates Effective From Bhadra 1, 2079 (17 August, 2022)
Interest Rate for Deposits
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 |
Saving Deposit : |
|
| General Savings | 6.03 | |
| Chetanshil Nari 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 | 5.00 | |
| EURO | 2.50 | |
| POUND STERLING (GBP) | 4.25 | |
| 2 |
Fixed Deposit :- |
|
| 2.1 |
Institutional : |
|
| 3 Months and above | 9.03 | |
| 3 Months and above (for bidding) | upto 9.53 | |
| 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 | |
| SewaNibirtta Karmachari FD | 11.03 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Remittance | 12.03 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Individual | 11.03 | |
| Chori Chora Jeevan Samunnat Khata | 11.03 | |
| ADBL Recurrent Muddati Khata | 11.03 | |
| 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 | 3.015 |
| 3.2 |
Co-operative Call Deposit LCY |
3.015 |
| 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 |
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 व्यवस्थाअनुसार 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 8.90% as at end of Ashad, 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 Rate for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
- Kindly contact our nearest branch for further details.
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