Interest Rate for Deposits
|
S.N.
|
Deposit Types
|
Rates (%) Per Annum
|
|
1
|
Saving Deposit :
|
|
|
|
General
|
4.00
|
|
|
Chetanshil Nari Bachat
|
4.00
|
|
|
Kirshak
|
4.00
|
|
|
Shareholder
|
4.25
|
|
|
Sambriddhi
|
4.50
|
|
|
Ba Ama
|
5.00
|
|
|
Karmachari Nibritibharan Bachat Khata
|
5.00
|
|
|
Social Security Special Saving A/C
|
4.50
|
|
|
Sabai Nepali Ko Bachat Khata
|
4.00
|
|
|
ADBL Salary/Payroll Khata
|
5.00
|
|
|
Remittance Bachat Khata
|
6.00
|
|
|
USD
|
0.80
|
|
|
EURO
|
0.60
|
|
|
POUND STERLING
|
0.60
|
|
2
|
Fixed Deposit :-
|
|
|
2.1
|
Corporate :
|
|
|
|
3 Months
|
7.00
|
|
|
3 Months (renewal)
|
7.10
|
|
|
6 Months
|
7.25
|
|
|
6 Months (renewal)
|
7.35
|
|
|
1 Year
|
9.00
|
|
|
1 Year ( renewal)
|
9.00
|
|
|
Above 1 Year to 2 years
|
8.50
|
|
|
Above 1 Year to 2 years (renewal)
|
8.60
|
|
|
Above 2 Years to 5 Years
|
8.50
|
|
|
Above 2 Years to 5 Years (renewal)
|
8.60
|
|
|
Bidding Rate up to 1 year
|
8.25
|
|
|
Bidding Rate up to 1 year (renewal)
|
8.35
|
|
|
Bidding Rate for more than 1 year
|
8.50
|
|
|
Bidding Rate for more than 1 year (renewal)
|
8.50
|
|
2.2
|
Individual :
|
|
|
|
General FD
|
|
|
|
3 Months
|
7.50
|
|
|
6 Months
|
7.75
|
|
|
1 Year
|
9.00
|
|
|
Above 1 Year to 2 years
|
8.75
|
|
|
Above 2 Years to 5 Years
|
8.50
|
|
|
ADBL Special FD
|
|
|
|
6 Months to 1 Year
|
9.00
|
|
|
Above 1 Year to 5 Years
|
8.50
|
|
|
Mero Khusi mero Bhawisya FD:
|
|
|
|
6 Months to 1 Year
|
9.00
|
|
|
Above 1 Year to 5 Years
|
8.50
|
|
|
Sewa Nibirta Karmachari FD
|
|
|
|
6 Months to 1 Year
|
9.00
|
|
|
Above 1 Year to 5 Years
|
8.50
|
|
2.3
|
Fixed Deposit USD
|
|
|
|
3 Months
|
0.75
|
|
|
6 Months
|
0.90
|
|
|
1 Year
|
1.00
|
|
3
|
AkshyaKosh
|
9.00
|
|
4.1
|
Call Deposit
|
2.00
|
|
4.2
|
Co-operative Call Deposit
|
2.00
|
Interest Rate for Loan Products
|
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 संग संबन्धित))
|
Base Rate Plus upto 2
|
|
5
|
Yuba SwarojgarKarja
|
Base Rate Plus upto 2
|
|
6
|
ColdStorage Loan
|
Base Rate Plus upto2
|
|
7
|
Agro- Tools Purchase Loan
|
Base Rate Plus upto 5
|
|
8
|
SaralKrishiKarja (cg'bfgafx]s)
|
Base Rate Plus upto 5
|
|
9
|
Wholesale Lending
|
Base Rate Plus upto 3
|
|
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 Thekka patta Karja/Demand/ Contract Loan
|
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
|
15 Years and Above
|
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
|
15 Years and Above
|
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 3
|
|
32
|
Consortium Financing
|
As per agreement
|
|
33
|
Bridge Gap Loan
|
As per agreement
|
|
34
|
TR Loan NPR
|
Base Rate Plus upto 3
|
|
35
|
TR Loan USD
|
LIBOR Rate Plus Premium
|
|
36
|
Pre-shipment Loan
|
Base Rate Plus upto 3
|
|
37
|
Post shipment Loan
|
Base Rate Plus upto 3
|
|
38
|
Reconstruction Loan
|
ने.रा. बैंकको ब्यबस्था अनुसार लाग्ने
|
|
39
|
Advance on Credit
|
Base Rate Plus upto 5
|
|
40
|
Salary Account Loan/Professional Loan
|
Base Rate Plus upto 5
|
|
41
|
Mortgage Loan
|
Base Rate Plus upto 5
|
|
42
|
Foreign Employment Loan
|
Base Rate Plus upto 5
|
|
43
|
Subsidised Bagmati Province Loan
|
प्रदेश सरकारको ब्यबस्था अनुसार लाग्ने
|
|
44
|
Subsidised Lumbini Province Loan
|
Base Rate Plus upto 2
|
|
45
|
Subsidised Karnali Province Loan
|
Base Rate Plus upto 2
|
|
46
|
Subsidised Sudur Paschim Province Loan
|
Base Rate Plus upto 2
|
|
47
|
BayabsayJibanRakshyaKarja ( Only for Gandaki Province )
|
Base Rate Plus upto 3
|
|
48
|
Short Term Loan
|
Base Rate Plus upto 2
|
Interest Rate for EMI Products
|
S.N.
|
EMI Product
|
Fixed Interest Rate(%)PerAnnum
|
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 Account Loan
|
9.00
|
Base Rate Plus 0 to 2
|
|
10
|
Home Stay Service Loan
|
9.00
|
Base Rate Plus 0 to 4
|
Notes
- Base Rate 7.13% as at end of Ashadh, 2078
- Penal Interest 2%
- Kindly contact our nearest branch for further details
