Interest Rates Effective from Falgun 1, 2077 (13th February, 2021)

Interest Rate for Deposits

S.N. Deposit Types Rates (%) PerAnnum
1 Saving Deposit :
General 3.50
Chetanshil Nari Bachat 3.50
Kirshak 3.50
Shareholder 4.25
Sambriddhi 4.25
Ba Ama 5.00
Karmachari Nibritibharan Bachat Khata 5.00
Social Security Special Saving A/C 4.50
Sabai Nepali Ko 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 5.75
3 Months, 6 Months and 9 Months  (renewal) 5.85
1 Year 6.00
1 Year ( renewal) 6.10
2 Years to 5 Years 6.00
2 Years to 5 Years (renewal) 6.10
2.2 Individual :
3 Months 6.25
6 Months 6.50
1 Year 7.00
2 to  5 Years 7.00
ADBL Special 7.00
Sewa Nibirta Karmachari 7.00
2.3 Fixed Deposit USD
3 Months 0.75
6 Months 0.90
1 Year 1.00
3 Akshya Kosh 7.00
4.1 Call Deposit 1.75
4.2 Co-operative Call Deposit 1.75

Interest Rate for Loan

S.N. Loan Types Premium Range (%)
1 Agro-Production Loan Base Rate Plus upto  2
2 Livestock Loan Base Rate Plus upto  2
3 Fish Farming Base Rate Plus upto  2
4 Sauliyatpurna Karja (ब्याज अनुदान सँग सम्बन्धित) Base Rate Plus upto  2
5 Yuba Swarojgar Karja Base Rate Plus upto  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  upto 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  upto 5
35 Pre-shipment Loan Base Rate Plus  upto 5
36 Post shipment Loan Base Rate Plus  upto 5
37 Reconstruction Loan नेपाल राष्ट्र बैंकको अनुसार
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  upto 5

Interest Rate for EMI Products

S.N. EMI Product Fixed Interest Rate (%) Per Annum Floating Interest Rate Premium Range (%)
1 Agro tools 8.50 Base Rate Plus 0  to 5
2 Overdraft 11.50 Base Rate Plus 0  to 5
3 Home Loan
5 years 8.50 Base Rate Plus 0  to 5
10 years 9.00 Base Rate Plus 0  to 5
Above 10 years 9.50 Base Rate Plus 0  to 5
4 House Purchase Loan
5 years 8.50 Base Rate Plus 0  to 5
10 years 9.00 Base Rate Plus 0  to 5
Above 10 years 9.50 Base Rate Plus 0  to 5
5 Land Purchase 9.00 Base Rate Plus 0  to 5
6 Education Loan 9.00 Base Rate Plus 0  to 5
7 Hire Purchase 9.00 Base Rate Plus 0  to 5
8 Auto Loan 9.00 Base Rate Plus 0  to 5
9 Salary A/c Loan 9.00 Base Rate Plus 0  to 2
10 Home Stay Service Loan 9.00 Base Rate Plus 0  to 4

Notes:

  • The aforesaid interest rate shall be applicable w.e.f. Falgun 1, 2077(13th February, 2021)
  • Base Rate 7.67% as at 2077 Poush End
  • Penal Interest 2%
  • Kindly contact our nearest branch for further details