Interest Rates Effective From Chaitra 1, 2079 (15 March, 2023)
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| Hamro Bachat Khata | 6 | |
| General Savings | 6.50 | |
| ChetanshilNari Bachat | 7.25 | |
| Kirshak Bachat | 7.15 | |
| ShareholderBachat | 7.15 | |
| Sambriddhi Bachat | 7.25 | |
| Ba Ama Bachat | 7.50 | |
| Karmachari Nibritibharan Bachat | 7.20 | |
| Social Security Special Saving | 7.15 | |
| Sabai Nepali Ko Bachat | 7.15 | |
| Payroll Bachat | 7.30 | |
| Remittance Bachat | 8 | |
| Matribhumi Savings | 8 | |
| USD | 5.50 | |
| EURO | 2.75 | |
| POUND STERLING (GBP) | 4.65 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Institutional: | |
| 6 Months and up to 5 Years | 9.00 | |
| 6 months to 5 years bidding | up to 9.5% | |
| 2.2 | Individual : | |
| General FD | ||
| 3 Months and up to 5 Years | 11.00 | |
| ADBL Remittance FD | 12.00 | |
| ADBL Special FD | 11.00 | |
| Mero KhusiMero Bhawisya FD | 11.00 | |
| SewaNibirtta Karmachari FD | 11.00 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Remittance | 12.00 | |
| Lakhpati Karodpati Dhamaka Muddati Khata- Individual | 11.00 | |
| Chori Chora Jeevan Samunnat Khata | 11.00 | |
| ADBL Recurrent Muddati Khata | 11.00 | |
| 2.3 | Fixed Deposit USD | |
| 3 Months and upto 1 Year | 7.15 | |
| 3 | Akchayakosh (Endowment Fund) | 9.00 |
| 4.0 | Call Deposits | |
| 4.1 | Call Deposit LCY | 3 |
| 4.2 | Co-operative Call Deposit LCY | 3 |
| 4.3 | Call Deposit USD | 2.75 |
| 4.4 | Call Deposit EURO (EUR) | 1.375 |
| 4.5 | Call Deposit POUND STERLING (GBP) | 2.325 |
| 5.0 | NRN Deposit Accounts | |
| 5.1 | NRN Savings Accounts | |
| 5.1.1 | USD | 5.00 |
| 5.1.2 | Japanese Yen | 2.40 |
| 5.2 | NRN Fixed Deposit Accounts | |
| 5.2.1 | USD | 6.50 |
| 5.2.2 | Japanese Yen | 3.90 |
| S.N. | Loan Types | Premium on Base Rate (%) |
|---|---|---|
| 1 | Agro-Production Loan | up to 2 |
| 2 | Livestock Loan | up to 2 |
| 3 | Fish Farming | up to 2 |
| 4 |
SauliyatpurnaKarja (Interest Subsidy Related) |
up to 2 |
| 5 | Yuba SwarojgarKarja | up to 2 |
| 6 | ColdStorage Loan | Up to 2 |
| 7 |
Agro- Tools Purchase Loan |
Up to 3 |
| 8 | SaralKrishiKarja(Except interest subsidy) | up to 5 |
| 9 | Wholesale Lending | Up to 2 |
| 10 | Industry, Processing & Mines Loan | Up to 3 |
| 11 | Hydropower and other Alternative Energy Loan | Up to 3 |
| 12 | Service Loan | Up to 3 |
| 13 | Home Stay Service Loan | Up to 3 |
| 14 | Tourism Service Loan | Up to 2 |
| 15 | Business Loan | Up to 3 |
| 16 | Household Loan | up to 5 |
| 17 | Employee Service Loan | Up to 2 |
| 18 | Overdraft Loan | |
| 18.1 | Individual | up to 5 |
| 18.2 | Institutional | up to 5 |
| 19 | SaralThekkapattaKarja/Demand/ Contract Loan | Up to 3 |
| 20 | Hypothecation Loan | Up to 2 |
| 21 | Home Loan | |
| 21.1 | 5 Years | Up to 2 |
| 21.2 | 10 Years | Up to 2 |
| 21.3 | 15 Years and Above | Up to 3 |
| 22 | House Purchase Loan | |
| 22.1 | 5 Years | Up to 2 |
| 22.2 | 10 Years | Up to 2 |
| 22.3 | 15 Years and Above | up to 5 |
| 23 | Land Purchase Loan | Up to 3 |
| 24 | Business Complex and Housing Loan | Up to 3 |
| 25 | Education Loan | Up to 2 |
| 26 | Hire Purchase Loan | Up to 2 |
| 27 | Auto Loan | Up to 2 |
| 28 | Loan Against Gold and Silver | Up to 4 |
| 29 | Loan Against Fixed Deposit Receipt | Coupon Rate Plus 2 % |
| 30 | Loan Against Government and Other Securities | Coupon Rate Plus 2 % |
| 31 | Margin Lending Loan | Up to 5 |
| 32 | Consortium Financing | As per agreement |
| 33 | Bridge Gap Loan | As per agreement |
| 34 | TR Loan NPR | Up to 1 |
| 35 | TR Loan USD | SOFR Plus Premium |
| 36 | Pre-shipment Loan | Up to 1 |
| 37 | Post shipment Loan | Up to 1 |
| 38 | Reconstruction Loan | As per NRB Provisions |
| 39 | Advance on Credit | Up to 3 |
| 40 | Salary Account Loan/Professional Loan | Up to 2 |
| 41 | Mortgage Loan | Up to 3 |
| 42 | Foreign Employment Loan | Up to 3 |
| 43 | Subsidised Bagmati Province Loan | As per agreement with Province Government |
| 44 | Subsidised Lumbini Province Loan | up to 2 |
| 45 | SubsidisedKarnali Province Loan | up to 2 |
| 46 | SubsidisedSudur Paschim Province Loan | up to 2 |
| 47 | Bayabsay Jiban RakshyaKarja (Gandaki Province ) | up to 3 |
| 48 | Short Term Loan | up to 2 |
| 49 | Value Chains for Inclusive Transformation of Agriculture (VITA) Loans | |
| 49.1 | Agriculture and Forest | As per the agreement with IFAD |
| 49.2 | Fishery | As per the agreement with IFAD |
| 49.3 | Agriculture, Forest, and Beverage Production | As per the agreement with IFAD |
| 49.4 | Transportation, Storage, and Communication | As per the agreement with IFAD |
| 49.5 | Wholesale and Retail Business | As per the agreement with IFAD |
| 49.6 | Finance, Insurance and Fixed Assets | As per the agreement with IFAD |
| S.N. |
EMI Product |
Fixed Interest Rate(%)PerAnnum |
Floating Rate Premium on Base Rate (%) |
|---|---|---|---|
| 1 | Agro tools | 11.06 | Up to 2 |
| 2 | Overdraft | 11.95 | up to 5 |
| 3 | Home Loan | ||
| 3.1 | 5 years | 11.06 | Up to 2 |
| 3.2 | 10 years | 11.06 | Up to 2.5 |
| 3.3 | Above 10 years | 11.06 | Up to 3 |
| 4 | House Purchase Loan | ||
| 4.1 | 5 years | 11.06 | Up to 2 |
| 4.2 | 10 years | 11.06 | Up to 2.5 |
| 4.3 | Above 10 years | 11.06 | Up to 3 |
| 5 | Land Purchase | 11.06 | Up to 3 |
| 6 | Education Loan | 11.06 | Up to 3 |
| 7 | Hire Purchase | 11.06 | Up to 2.5 |
| 8 | Auto Loan | 11.06 | Up to 2.5 |
| 9 | Salary Account Loan | 11.06 | Up to 2.5 |
| 10 | Home Stay Service Loan | 11.06 | Up to 2.5 |
- Base Interest Rate is 11.06% as at end of Poush, 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 Rates (Fixed and Floating) for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
- Interest posting on all deposit products is carried out quarterly.
- Kindly contact our nearest branch for further details.
Smart Banking
