Interest Rates Effective from Falgun 1, 2075 (13th February, 2019)
Interest Rates for Deposit
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| General | 4.5 | |
| Chetanshil Nari Bachat | 5.5 | |
| Kirshak | 6.5 | |
| Shareholder | 6 | |
| Sambriddhi | 5.5 | |
| Ba Ama | 6.5 | |
| Karmachari Nibritibaran Bachat Khata | 6.5 | |
| ADBL salary | 6.5 | |
| USD | 0.8 | |
| EURO | 0.6 | |
| GBP | 0.6 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Institutional: | |
| 3 Months | 8 | |
| 6 Months | 8.25 | |
| 1 Year | 8.5 | |
| 1 Year (Renewal) | 8.6 | |
| 2 Years to 5 Years | 8.5 | |
| 2 Years to 5 Years (Renewal) | 8.6 | |
| 2.2 | Individual: | |
| 3 Months | 8.25 | |
| 6 Months | 8.5 | |
| 1 Year | 9 | |
| 2 to 5 Years | 8.75 | |
| ADBLSpecial | 9.25 | |
| Sewa Nibirta Karmachari | 9.25 | |
| 2.3 | Fixed Deposit USD | |
| 3 Months | 0.75 | |
| 6 Months | 0.9 | |
| 1 Year | 1 | |
| 3 | Akshya Kosh | 8.5 |
Interest Rates for Loan
| S.N. | Loan Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Agro-Production Loan | Base Rate + 1 to 3 |
| 2 | Livestock Loan | BaseRate + 1 to 3 |
| 3 | Fish Farming | Base Rate + 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 - 3.0 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 | LoanAgainst Gold and Silver | Base Rate Plus 1 to 6 |
| 27 | LoanAgainst Fixed Deposit Receipt | CouponRate 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. Falgun 1, 2075(13th February, 2019)
- Base Rate 11.15% and Interest Rate Spread 6.59% as at 2075 Poush End.
- Kindly contact our nearest branch for further details.
Smart Banking
