Interest Rates Effective From Kartik 01, 2081 (17 October, 2024)

Deposit Rates (निक्षेपको ब्याजदर)
S.N. Deposit Types Rates (%) Per  Annum
1 Saving Deposit :
HamroBachatKhata 3.0000
General Savings 3.0000
Bal SurakchyaBachatKhata 3.5000
SanyuktaBachatKhata 3.5000
ChetanshilNariBachat 3.7500
SamunnatChetansilNariBachat 4.0000
KirshakBachat 4.0000
ShareholderBachat 4.2500
SambriddhiBachat 4.2500
Ba AmaBachat 4.2600
ADBL Platinum Savings 4.2600
KarmachariNibritibharanBachat 4.0000
Social Security Special Saving 4.0000
PurbakarmachariSammanBachat 4.2600
Sabai Nepali Ko Bachat 3.7500
ADBL Salary Account 4.2600
Payroll Bachat 4.2600
Corporate Payroll 4.2600
Remittance Bachat 5.2600
Matribhumi Savings 5.2600
USD 2.7500
EURO 3.0000
POUND STERLING (GBP) 3.0000
2 Fixed Deposit :-
2.1 Institutional :
6 Months and upto 5 Years 3.7500
6 Months and upto 5 years (bidding) Upto 4.2500
2.2 Individual :
General FD
Three Months 4.0000
Six Months 4.2500
Above 6 Months upto 1 Year 5.0000
Above 1 Yearupto 5 Years 5.7785
ADBL Remittance FD Above 1 Year upto 5 Years 6.7785
ADBL Special FD 5.0000
Mero KhusiMeroBhawisya FD 5.0000
SewaNibirttaKarmachari FD 5.0000
LakhpatiKarodpatiDhamakaMuddatiKhata- Remittance 6.7785
LakhpatiKarodpatiDhamakaMuddatiKhata- Normal 5.7785
ChoriChora Jeevan SamunnatKhata 5.0000
ADBL Recurring Muddati Khata 5.7785
2.3 Fixed Deposit USD
3 Months and upto 1 Year 3.5000
3 Akchayakosh (Endowment Fund) 3.7500
4.0 Call Deposits
4.1 Call Deposit LCY 1.5000
4.2 Co-operative Call Deposit LCY 1.5000
4.3 Call Deposit USD 1.3750
4.4 Call Deposit EURO (EUR) 1.5000
4.5 Call Deposit POUND STERLING (GBP) 1.5000
5.0 NRN Deposit Accounts
5.1 NRN Savings Accounts
5.1.1 USD 4.0000
5.1.2 Japanese Yen 2.4000
5.2 NRN Fixed Deposit Accounts
5.2.1 USD 5.0000
5.2.2 Japanese Yen 3.9000
Loan Rates (कर्जाको ब्याजदर)
S.N. Loan Types Premium on Base Rate (%)
1 Agro-Production Loan upto 2
2 Livestock Loan upto  2
3 Fish Farming upto  2
4 SauliyatpurnaKarja (Interest Subsidy Related)) upto  2
5 Yuba SwarojgarKarja upto  2
6 ColdStorage Loan up to2
7 Agro- Tools Purchase Loan upto3
8 SaralKrishiKarja(Except Interest Subsidy) upto 5
9 Agricultural SMEs
9.1 Term Upto 2
9.2 Working Capital Upto 1
10 Wholesale Lending Upto2
11 Industry, Processing and Mines Loan Upto3
12 Hydropower and other Alternative Energy Loan Upto3
13 Service Loan Upto3
14 Home Stay Service Loan Upto3
15 Tourism Service Loan Upto2
16 Business Loan Upto3
17 Household Loan upto 5
18 Employee Service Loan Upto2
19 Overdraft Loan
19.1 Individual upto 5
19.2 Institutional upto 5
19.3 Overdraft Card upto 5
20 SaralThekkapattaKarja/Demand/ Contract Loan Upto3
21 Hypothecation Loan Upto2
22 Home Loan/House Purchase Loan
22.1 Upto5 Years Upto2
22.2 >5 to 10 Years Upto2
22.3 > 10 to 15 Years Upto3
22.4 Above 15 Years Upto 5
23 Land  Purchase Loan Upto3
24 Business Complex and Housing Loan Upto3
25 Education  Loan Upto2
26 Hire Purchase Loan Upto2
27 Auto Loan Upto2
28 Loan Against Gold and Silver Upto4
29 Loan Against Fixed Deposit  Receipt Coupon RatePlus2%
30 Loan Against Government and Other Securities Coupon Rate Plus 2%
31 Margin Lending Loan Upto2.50
32 Consortium Financing As per agreement
33 Bridge Gap Loan As per agreement
34 TR Loan NPR upto1
35 TR Loan USD SOFR Plus Premium
36 Pre-shipment Loan Upto1
37 Post shipment Loan Upto1
38 Reconstruction Loan As Per NRB Provisions
39 Advance on Credit Upto3
40 Salary Account Loan/Professional Loan Upto2
41 Mortgage Loan Upto3
42 Foreign Employment Loan Upto3
43 Subsidised Bagmati Province Loan As per the Agreement with Province Government
44 Subsidised Lumbini Province Loan upto 2
45 SubsidisedKarnali Province Loan upto 2
46 SubsidisedSudur Paschim Province Loan upto 2
47 Bayabsay Jiban RakshyaKarja (Gandaki Province ) Upto3
48 Short Term Loan upto 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
EMI Product's Interest Rates (सम-मासिक कर्जाको ब्याजदर)
S.N. EMI Products Fixed Rate Premium on Base Rate (%) Floating Rate Premium on Base Rate (%)
1 Agro tools 4.00 upto 2
2 Home Loan
2.1 upto5 years 3.50 upto 2
2.2 >5 to 10 years 4.00 upto 2.5
2.3 >10 to 15years 4.50 upto 3
2.4 >15years 5.00 upto 3
3 House Purchase
3.1 upto5 years 3.50 upto 2
3.2 >5 to 10 years 4.00 upto 2.5
3.3 >10 to 15years 4.50 upto 3
3.4 >15years 5.00 upto 3
4 Land Purchase 4.00 upto 3
5 Education Loan 4.00 upto 3
6 Hire Purchase 4.00 upto 2.5
7 Auto Loan 4.00 upto 2.5
8 Salary Account Loan 4.00 upto 2.5
9 Home Stay Service 4.00 Upto2.5
10 Overdraft Individual 4.00 upto 5

Notes:

  • Interest Rates on Loan and Advances (Floating Rates) shall be adjusted as per the change in average Base Rate of previous three months.
  • Effective Base Rate for the month of Kartik, 2081 could be obtained from our website www.adbl.gov.np .
  • The Interest Rates (Fixed and Floating) for Endowment Fund (AkchyaKosh) would be determined based on mutual agreement.
  • The rates for FD with maturity over five years will be decided on mutual agreement within the limit of published FD rates.
  • Interest Rates of working capital VITA Loans (Value Chains for Inclusive Transformation of Agriculture) will be as per the bank's own policy.
  • Kindly contact our nearest branch or visit www.adbl.gov.np for further details.