Interest Rates Effective from Ashadh 5, 2076 (20th June, 2019)
Interest Rates for Deposit
| S.N. | Deposit Types |
Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| General | 5.50 | |
| Chetanshil Nari Bachat | 6.00 | |
| Kirshak | 6.50 | |
| Shareholder | 6.00 | |
| Sambriddhi | 6.00 | |
| Ba Ama | 6.50 | |
|
Karmachari Nibritibaran Bachat Khata |
6.50 | |
|
Sabaei Nepali Bahat Khata |
6.00 | |
| ADBL salary | 6.50 | |
| USD | 0.80 | |
| EURO | 0.60 | |
| POUND | 0.60 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Corporate : | |
|
3 Months, 6 months and 9 months |
8.50 | |
|
3 Months, 6 months and 9 months (renewal) |
8.60 | |
| 1 Year | 8.50 | |
| 1 Year ( renewal) | 8.60 | |
| 2 Year to 5 Years | 8.50 | |
| 2 Year to 5 Years (renewal) | 8.60 | |
| 2.2 | Individual : | |
| 3 Months | 8.25 | |
| 6 Months | 8.50 | |
| 1 Year | 9.00 | |
| 2 to 5 Years | 8.75 | |
| ADBL Special | 9.25 | |
| Sewa Nibirta Karmachari | 9.25 | |
| 2.3 | Fixed Deposit USD | |
| 3 Months | 0.75 |
Interest Rates for Loan
| S.N. | Loan Types | Rates (%) per Annum |
|---|---|---|
| 1 | Agro-Production Loan | Base Rate Plus -1 to 3 |
| 2 | Livestock Loan | Base Rate Plus -1 to 3 |
| 3 | Fish Farming | Base Rate Plus -1 to 3 |
| 4 | Coldstorage Loan | Base Rate Plus -1 to 3 |
| 5 | Argro- Tools Purchase Loan | Base Rate Plus 1 to 5 |
| 6 |
Yuba Krishi Karja and sauliyatpurna karja (anudan related) |
Base Rate Plus -1 to 1 |
| 7 | Yuba Swarojgar Karja | Base Rate Plus -1 to 1 |
| 8 | Saral Krishi Karja | Base Rate Plus 0.5 to 3 |
| 9 | Wholesale Lending | Base Rate Plus - 1.0 to 1 |
| 10 | Industry Loan | Base Rate Plus 0.5 to 5 |
| 11 |
Hydropower and other Alternative Energy Loan |
Base Rate Plus - 2 to 3 |
| 12 | Service Loan | Base Rate Plus 0.5 to 5 |
| 13 | Business Loan | Base Rate Plus 0.5 to 5 |
| 14 | Household Loan | Base Rate Plus 3 to 7 |
| 15 | Employee Service Loan | Base Rate Plus 1 to 6 |
| 16 | Overdraft Loan | |
| 16.1 | Individual | Base Rate Plus 3 to 7 |
| 16.2 | Institutional | Base Rate Plus 2 to 6 |
| 17 | Saral Thekkapatta Karja | Base Rate Plus 0.5 to 5 |
| 18 | Hypothecation Loan | Base Rate Plus 1 to 6 |
| 19 | Home Loan | |
| 19.1 | 5 Years | Base Rate Plus 1 to 4 |
| 19.2 | 10 Years | Base Rate Plus 1 to 5 |
| 19.3 | Above 10 Years | Base Rate Plus 1 to 6 |
| 20 | House Purchase Loan | |
| 20.1 | 5 Years | Base Rate Plus 1 to 4 |
| 20.2 | 10 Years | Base Rate Plus 1 to 5 |
| 20.3 | Above 10 Years | Base Rate Plus 1 to 6 |
| 21 | Land Purchase Loan | Base Rate Plus 2 to 6 |
| 22 |
Business Complex and Housing Loan |
Base Rate Plus 1 to 4 |
| 23 | Education Loan | Base Rate Plus 1 to 5 |
| 24 | Hire Purchase Loan | Base Rate Plus 1 to 5 |
| 25 | Auto Loan | Base Rate Plus 1 to 5 |
| 26 |
Loan Against Gold and Silver |
Base Rate Plus 1 to 6 |
| 27 |
Loan Against Fixed Deposit Receipt |
Coupon Rate Plus 2 % |
| 28 | Loan Against Government and other Securities |
Coupon Rate Plus 2 % or Base rate whichever is higher |
| 29 | Margin Lending Loan | Base Rate Plus 2 to 5 |
| 30 | Consortium Financing | As per agreement |
| 31 | Bridge Gap Loan | As per agreement |
| 32 | TR Loan | Base Rate Plus -3 to 4 |
| 33 | Pre-shipment Loan | Base Rate Plus -3 to 4 |
| 34 | Post shipment Loan | Base Rate Plus -3 to 4 |
| 35 | Reconstruction Loan | Base Rate Plus -3 to 4 |
| 36 | Credit Card Facility | Base Rate Plus 2 to 6 |
| 37 | Advance on Credit | Base Rate Plus 1 to 4 |
| 38 | Salary Account Loan | Base Rate Plus 0 to 2 |
Notes:
- The aforesaid interest rate shall be applicable w.e.f. ashad 5, 2076(20th June, 2019).
- Base Rate 10.37% as at 2075 Bhaishakh End.
- Kindly contact our nearest branch for further details.
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