Interest Rates Effective from Bhadra 01, 2077(17th August, 2020)

Interest Rates for Deposits

S.N. Deposit Types Rates (%) Per Annum
1 Saving Deposit :
General 3.00
Chetanshil Nari Bachat 3.50
Kirshak 3.50
Shareholder 4.50
Sambriddhi 4.25
Ba Ama 5.00
Karmachari Nibritibaran Bachat
Khata
5.00
Social Security Special Saving A/C 4.50
Sabai Nepali 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 Months and 9 Months 6.25
3 Months, 6 Months and 9
Months  (renewal)
6.35
1 Year 6.50
1 Year ( renewal) 6.60
2 Year to 5 Years 6.50
2 Year to 5 Years (renewal) 6.60
2.2 Individual :
3 Months 6.25
6 Months 6.50
1 Year 7.25
2 to  5 Years 7.25
ADBL Special 7.25
Sewa Nibirta Karmachari 7.25
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 Akshya Kosh 7.25
4.1 Call Deposit 2.00
4.1 Co-operative Call Deposit 2.00

Interest Rates for Loan

S.N. Loan Types Rates (%) Per Annum
1 Agro-Production Loan Base Rate Plus 1.5 to  2
2 Livestock Loan Base Rate Plus -1.5 to  2
3 Fish Farming Base Rate Plus -1.5 to  2
4 Sauliyatpurna Karja (ब्याज अनुदान सँग सम्बन्धित) Base Rate Plus -1.5 to 2
5 Yuba Swarojgar Karja Base Rate Plus -1.5 to 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  -1 to 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 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 -1.5  to 5
35 Pre-shipment Loan Base Rate Plus  -1.5 to 5
36 Post shipment Loan Base Rate Plus  -1.5 to 5
37 Reconstruction Loan नेपाल राष्ट्र बैंकको नियम अनुसार ब्याज लाग्‍ने
38 Credit Card Facility Base Rate Plus 2  to 6
39 Advance on Credit Base Rate Plus  upto 5
40 Salary Account Loan Base Rate Plus  upto 5
41 Mortgage Loan Base Rate Plus 1  to 5
42 Bridge Gap Loan for SME Base Rate Plus 1  to 5

Interest Rates for EMI Products

S.N. EMI Product Premium Range (%)
1 Agro tools Base Rate Plus 0  to 5
2 Overdraft
Individual Base Rate Plus 1  to 5
Institutional Base Rate Plus 1  to 5
3 Home Loan
5 years Base Rate Plus 0  to 5
10 years Base Rate Plus 0  to 5
Above 10 years Base Rate Plus 0  to 5
4 House Purchase Loan
5 years Base Rate Plus 0  to 5
10 years Base Rate Plus 0  to 5
Above 10 years Base Rate Plus 0  to 5
5 Land Purchase Base Rate Plus 0  to 5
6 Education Loan Base Rate Plus 0  to 5
7 Hire Purchase Base Rate Plus 0  to 5
8 Auto Loan Base Rate Plus 0  to 5
9 Salary A/c Loan Base Rate Plus 0  to 2
10 Home Stay Service Loan Base Rate Plus 0  to 4
11 Saral Thekkapatta Karja Base Rate Plus 0.5  to 5

Notes:

  • The aforesaid interest rate shall be applicable w.e.f. Bhadra 1, 2077(17th August, 2020).
  • Base Rate 9.26% as at 2077 Asar End.
  • Kindly contact our nearest branch for further details.