Interest Rates Effective from Mangsir 01, 2077 (16th November, 2020)
Interest Rates for Deposits
| S.N. | Deposit Types | Rates (%) Per Annum |
|---|---|---|
| 1 | Saving Deposit : | |
| General | 3 | |
| Chetanshil Nari Bachat | 3.5 | |
| Kirshak | 3.5 | |
| Shareholder | 4.5 | |
| Sambriddhi | 4.25 | |
| Ba Ama | 5 | |
| Karmachari Nibritibaran Bachat Khata | 5 | |
| Social Security Special Saving A/C | 4.5 | |
| Sabai Nepali Bachat Khata | 3.5 | |
| ADBL salary/Payroll Khata | 5 | |
| USD | 0.8 | |
| EURO | 0.6 | |
|
POUND STERLING |
0.6 | |
| 2 | Fixed Deposit :- | |
| 2.1 | Corporate : | |
| 3 Months, 6 Months and 9 Months | 6.25 | |
| 3 Months, 6 Months and 9 Months (renewal) | 6.35 | |
| 1 Year | 6.5 | |
| 1 Year ( renewal) | 6.6 | |
| 2 Year to 5 Years | 6.5 | |
| 2 Year to 5 Years (renewal) | 6.6 | |
| 2.2 | Individual : | |
| 3 Months | 6.25 | |
| 6 Months | 6.5 | |
| 1 Year | 7.25 | |
| 2 to 5 Years | 7.25 | |
| ADBL Special | 7.25 | |
| Sewa Nibirta Karmachari | 7.25 | |
| 2.3 | Fixed Deposit USD | |
| 3 Months | 0.75 | |
| 6 Months | 0.9 | |
| 1 Year | 1 | |
| 3 | Akshya Kosh | 7.25 |
| 4.1 | Call Deposit | 1.5 |
| 4.2 | Co-operative Call Deposit | 1.5 |
Interest Rates for Loans
| S.N. | Loan Types | Premium Range (%) |
|---|---|---|
| 1 | Agro-Production Loan | Base Rate Plus -1.5 to 2 |
| 2 | Livestock Loan | Base Rate Plus -1.5 to 2 |
| 3 | Fish Farming | Base Rate Plus -1.5 to 2 |
| 4 | Sauliyatpurna Karja (ब्याज अनुदान सँग सम्बन्धित) | Base Rate Plus -1.5 to 2 |
| 5 | Yuba Swarojgar Karja | Base Rate Plus -1.5 to 2 |
| 6 | Coldstorage 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 -1 to 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 -1.5 to 5 |
| 35 | Pre-shipment Loan | Base Rate Plus -1.5 to 5 |
| 36 | Post shipment Loan | Base Rate Plus -1.5 to 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 |
| 42 | Bridge Gap Loan for SME | Base Rate Plus 1 to 5 |
Interest Rates for EMI Products
| S.N. | EMI Product |
Fixed Interest Rate (%) Per Annum |
Floating Interest Rate Premium Range (%) |
|---|---|---|---|
| 1 | Agro tools | 11 | Base Rate Plus 0 to 5 |
| 2 | Overdraft | ||
| Individual | 12.5 | Base Rate Plus 1 to 5 | |
| Institutional | 12.5 | Base Rate Plus 1 to 5 | |
| 3 | Home Loan | ||
| 5 years | 9.75 | Base Rate Plus 0 to 5 | |
| 10 years | 10.25 | Base Rate Plus 0 to 5 | |
| Above 10 years | 11.25 | Base Rate Plus 0 to 5 | |
| 4 | House Purchase Loan | ||
| 5 years | 9.75 | Base Rate Plus 0 to 5 | |
| 10 years | 10.25 | Base Rate Plus 0 to 5 | |
| Above 10 years | 11.25 | Base Rate Plus 0 to 5 | |
| 5 | Land Purchase | 11.5 | Base Rate Plus 0 to 5 |
| 6 | Education Loan | 10.5 | Base Rate Plus 0 to 5 |
| 7 | Hire Purchase | 10.5 | Base Rate Plus 0 to 5 |
| 8 | Auto Loan | 10.5 | Base Rate Plus 0 to 5 |
| 9 | Salary A/c Loan | 10.25 | Base Rate Plus 0 to 2 |
| 10 | Home Stay Service Loan | 10.25 | Base Rate Plus 0 to 4 |
| 11 | Saral Thekka patta Karja | 11 |
Base Rate Plus 0.5 to 5 |
Notes
- The aforesaid interest rate shall be applicable w.e.f. Mangsir 1, 2077(16th November, 2020)
- Base Rate 8.53% as at 2077 Aswin End
- Penal Interest 2%
- Kindly contact our nearest branch for further details
Smart Banking
