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.