New Interest Rate Effective From Jestha 01, 2081 (14 May, 2024)

Published Date: May 14, 2024

Notes

Interest Rate for Deposits

S.N.	Deposit Types	Rates (%) Per Annum
1	Saving Deposit :
	HamroBachatKhata	3.0000
	General Savings	3.0000
	Bal SurakchyaBachatKhata	4.0000
	SanyuktaBachatKhata	3.5000
	ChetanshilNariBachat	4.0000
	SamunnatChetansilNariBachat	4.2600
	KirshakBachat	4.2500
	ShareholderBachat	4.5000
	SambriddhiBachat	4.5100
	Ba AmaBachat	4.7600
	ADBL Platinum Savings	4.7600
	KarmachariNibritibharanBachat	4.0000
	Social Security Special Saving	4.0000
	PurbakarmachariSammanBachat	4.7600
	Sabai Nepali Ko Bachat	3.7500
	ADBL Salary Account	4.7500
	Payroll Bachat	4.7500
	Corporate Payroll	4.7500
	Remittance Bachat	5.7600
	Matribhumi Savings	5.7600
	USD	4.0000
	EURO	3.0000
	POUND STERLING (GBP)	3.0000
2	Fixed Deposit :-
2.1	Institutional :
	6 Months and upto 5 Years	4.0100
	6 Months and upto 5 years (bidding)	4.5100
2.2	Individual :
	General FD
	Three Months	4.2551
	Six Months	4.5551
	Above 6 Months upto 1 Year	5.2551
	Above 1 Yearupto 5 Years	5.6661
	ADBL Remittance FD	6.6661
	ADBL Special FD	5.2551
	Mero KhusiMeroBhawisya FD	5.2551
	SewaNibirttaKarmachari FD	5.2551
	LakhpatiKarodpatiDhamakaMuddatiKhata- Remittance	6.6661
	LakhpatiKarodpatiDhamakaMuddatiKhata- Individual	5.2551
	ChoriChora Jeevan SamunnatKhata	5.2551
	ADBL Recurrent MuddatiKhata	5.2551
2.3	Fixed Deposit USD
	3 Months and upto 1 Year	5.0000
3	Akchayakosh (Endowment Fund)	4.0100
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	2.0000
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

Interest Rate for Loan

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

Interest Rate for EMI Products

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	5 years	3.50	upto 2
2.2	10 years	4.00	upto 2.5
2.3	Above 10 years	4.50	upto 3
3	House Purchase
3.1	5 years	3.50	upto 2
3.2	10 years	4.00	upto 2.5
3.3	Above 10 years	4.50	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	Upto 2.5
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 Jestha, 2080 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 for further details