| S. N. | Deposit Types | Rates (%) |
|---|---|---|
Per Annum | ||
1 | Saving Deposits : | |
HamroBachat | 3 | |
General Saving Account | 3 | |
Sabai Nepali KoBachat | 3.75 | |
BalSurakchyaBachat | 4 | |
ChetanshilNariBachat | 4 | |
Social Security Special Saving | 4 | |
KarmachariNibritibharanBachat | 4 | |
KirshakBachat | 4.25 | |
Shareholder Bachat | 4.5 | |
SambriddhiBachat | 4.51 | |
ADBL Salary Account | 4.75 | |
Employee Payroll Account | 4.75 | |
Corporate Payroll Account | 4.75 | |
Ba AamaBachat | 4.76 | |
ADBL Platinum Savings | 4.76 | |
PurbakarmachariSammanBachat | 4.76 | |
Remittance Bachat | 5.76 | |
NRNMatribhumi Remittance Bachat | 5.76 | |
USD | 2.75 | |
EURO | 2.75 | |
POUND STERLING (GBP) | 2.75 | |
2 | Fixed Deposit :- | |
2.1 | Institutional(Including Bidding): | |
Six Months | 3 | |
One Year | 3 | |
Two Years | 3 | |
Above Two Years | 3.25 | |
2.2 | Individual : | |
General FD | ||
Three Months | 3 | |
Six Months | 3.25 | |
One Year | 4 | |
Two Years | 4.24 | |
Three Years and Above | 5.51 | |
ADBL Remittance FD* | 4.00 to 6.51 | |
ADBL Special FD | 4.76 | |
MeroKhusiMeroBhawisya FD | 4.76 | |
SewaNibirttaKarmachari FD | 4.76 | |
LakhpatiKarodpatiDhamakaMuddatiKhata- Remittance | 6.51 | |
LakhpatiKarodpatiDhamakaMuddatiKhata-Normal | 5.51 | |
Chori-ChoraJeevanSamunnatKhata | 4.76 | |
ADBL Recurring MuddatiKhata | 5.51 | |
2.3 | Fixed Deposit USD | |
Three Months | 3.65 | |
Six Months | 3.55 | |
Nine Months | 3.45 | |
One Year | 3.35 | |
3 | Akchayakosh (Endowment Fund) | 5.51 |
4 | Call Deposits | |
4.1 | Call Deposit LCY | 1.5 |
4.2 | Co-operative Call Deposit LCY | 1.5 |
4.3 | Call Deposit USD | 1.38 |
4.4 | Call Deposit EURO (EUR) | 1.38 |
4.5 | Call Deposit POUND STERLING (GBP) | 1.38 |
5 | NRN Deposit Accounts | |
5.1 | NRN Savings Accounts | |
5.1.1 | USD | 2.75 |
5.1.2 | Japanese Yen | 3 |
5.2 | NRN Fixed Deposit Accounts | |
5.2.1 | USD | 3.35 |
5.2.2 | Japanese Yen | 3.9 |
| 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 | Cold Storage 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 | SubsidisedBagmati Province Loan | As per the Agreement with Province Government |
44 | SubsidisedLumbini Province Loan | upto 2 |
45 | SubsidisedKarnali Province Loan | upto 2 |
46 | SubsidisedSudurPaschim Province Loan | upto 2 |
47 | BayabsayJibanRakshyaKarja (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 |
| S.N. | Loan Types | Fixed Interest Rate/Annum (%) | Floating Rate Premium on Base Rate (%) |
|---|---|---|---|
1 | Agro tools | 10.65 | upto 2 |
2 | Home Loan | ||
2.1 | upto5 years | 10.15 | upto 2 |
2.2 | >5 to 10 years | 10.65 | upto 2.5 |
2.3 | >10 to 15years | 11.15 | upto 3 |
2.4 | >15years | 11.65 | upto 3 |
3 | House Purchase | ||
3.1 | upto5 years | 10.15 | upto 2 |
3.2 | >5 to 10 years | 10.65 | upto 2.5 |
3.3 | >10 to 15years | 11.15 | upto 3 |
3.4 | >15years | 11.65 | upto 3 |
4 | Land Purchase | 10.65 | upto 3 |
5 | Education Loan | 10.65 | upto 3 |
6 | Hire Purchase | 10.65 | upto 2.5 |
7 | Auto Loan | 10.65 | upto 2.5 |
8 | Salary Account Loan | 10.65 | upto 2.5 |
9 | Home Stay Service | 10.65 | Upto2.5 |
10 | Overdraft Individual | 10.65 | upto 5 |
·
The Interest Rates (Fixed) for Endowment Fund
(AkchyaKosh) shall be determined based on mutual agreement.
·
The rates for FD with maturity over five years will be
decided on mutual agreement.
·
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.npfor further details.
