Interest Rates Effective from Ashad 1, 2078 (15th Jun, 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 अनुदान संग 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 5 |
| 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 | Above 10 Years |
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 | Above 10 Years |
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 5 |
| 32 | Consortium Financing | As per agreement |
| 33 | Bridge Gap Loan | As per agreement |
| 34 | TR Loan |
Base Rate Plus upto 5 |
| 35 | Pre-shipment Loan |
Base Rate Plus upto 5 |
| 36 | Post shipment Loan |
Base Rate Plus upto 5 |
| 37 | Reconstruction Loan | नेपाल राष्ट्र बैंकको व्यबस्था अनुसार ब्याज 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 व्यबस्था अनुसार ब्याज 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 A/c 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. Asadh 1, 2078 (15th Jun, 2021)
- Base Rate 7.48% as at 2077 Chaitra End
- Penal Interest 2%
- Kindly contact our nearest branch for further detailsN
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