Rates of Interest
Effective From Shrawan 01, 2083 (17 July, 2026)
S.N. Deposit Types Rates (%) Per Annum
1 Saving Deposit:
Hamro Bachat Khata 2.75
General Savings 2.75
Bal Surakchya Bachat Khata 2.75
Chetanshil Nari Bachat 2.75
Kirshak Bachat 2.89
Shareholder Bachat 3.12
Sambriddhi Bachat 3.13
Ba Ama Bachat 3.36
ADBL Platinum Savings 3.36
Karmachari Nibritibharan Bachat 2.75
Social Security Special Saving 3.36
Purbakarmachari Samman Bachat 3.36
Sabai Nepali Ko Bachat 2.75
ADBL Salary Account 3.35
Payroll Bachat 3.35
Corporate Payroll 3.35
Matribhumi Savings 4.35
Remittance Savings 4.35
USD 2.75
EURO 2.75
POUND STERLING (GBP) 2.75
2 Fixed Deposit :
2.1 Institutional(Including Bidding):
Six Months and Above 2.75
2.2 Individual
General FD 2.75
Three Months to One Year 2.85
Two Years 3.00
Three Years 3.15
Four Years and Above 3.25
ADBL Remittance FD* 3.75 to 5.15
ADBL Special FD 2.85
Mero Khusi Mero Bhawisya FD 2.85
Sewa Nibirtita Karmachari FD 2.85
Lakhpati Karodpati Dhamaka Muddati Khata- Remittance* 3.75 to 5.15
Lakhpati Karodpati Dhamaka Muddati Khata- Normal 4.15
Chori-Chora Jeevan Samunnat Khata 4.15
ADBL Recurring Muddati Khata 4.15
2.3 Fixed Deposit USD
Three Months 3.50
Six Months 3.40
Nine Months 3.30
One Year 3.25
3 Akchaykosh (Endowment Fund) 3.00
4.0 Call Deposits
4.1 Call Deposit LCY 0.60
4.2 Co-operative Call Deposit LCY 0.60
4.3 Call Deposit USD 0.60
4.4 Call Deposit EURO (EUR) 0.60
4.5 Call Deposit POUND STERLING (GBP) 0.60
5.0 NRN Deposit Accounts
5.1 NRN Savings Accounts
5.1.1 USD 2.75
5.1.2 Japanese Yen 3.00
5.2 NRN Fixed Deposit Accounts
5.2.1 USD 3.35
5.2.2 Japanese Yen 3.90
S.N. Loan Types Premium on Base Rate (%)
1 Agricultural Loans-Term upto 2.5
2 Agricultural Loans-WC upto 2
3 Wholesale Lending Upto 3
4 Industry, Processing and Mines Loan Upto 3
5 Hydropower and other Alternative Energy Loan Upto 3
6 Service Loan Upto 3
7 Home Stay Service Loan Upto 3
8 Tourism Service Loan Upto 3
S.N. Loan Types
9 Business Loan Upto 3
10 Household Loan upto 3
11 Employee Service Loan Upto 3
12 Overdraft Loan
12.1 Individual upto 3
12.2 Institutional upto 3
12.3 Overdraft Card Upto 5
13 Saral Thekka patta Karja/ Demand/Contract Loan Upto 3
14 Hypothecation Loan Upto 3
15 Home Loan/House Purchase Loan
15.1 Upto 5 Years Upto 3
15.2 >5 to 10 Years Upto 3
15.3 >10 to 15 Years Upto 3
15.4 Above 15 Years Upto 3
16 Land Purchase Loan Upto3
17 Business Complex and Housing Loan Upto3
18 Education Loan Upto3
19 Hire Purchase Loan Upto 3
20 Auto Loan Upto 3
21 Loan Against Gold and Silver Upto 3
22 Loan Against Fixed Deposit Receipt Coupon Rate Plus 1.5%
23 Loan Against Government and Other Securities Coupon Rate Plus 1.5%
24 Margin Lending Loan Upto 3
25 Consortium Financing As per agreement
26 Bridge Gap Loan As per agreement
27 TR Loan NPR Upto 3
28 TR Loan USD SOFR Plus Premium
29 Pre-shipment Loan Upto 3
30 Post shipment Loan Upto 3
31 Reconstruction Loan As Per NRB Provisions
32 Advance on Credit Upto 3
33 Salary Account Loan/Professional Loan Upto 3
34 Mortgage Loan Upto 3
35 Foreign Employment Loan Upto 3
36 Subsidised Karnali Province Loan upto 2
37 Subsidised Sudur Paschim Province Loan Upto 3
38 Byababsay Jiban Rakshya Karja (Gandaki Province) Upto 3
39 Short-Term Loan Upto 3
40 Fone Loan 15%
41 Auction Financing upto 3
42 Value Chains for Inclusive Transformation of Agriculture (VITA) Loans
42.1 Agriculture and Forest As per the agreement with IFAD
42.2 Fishery As per the agreement with IFAD
42.3 Agriculture, Forest, and Beverage Production As per the agreement with IFAD
42.4 Transportation, Storage, and Communication As per the agreement with IFAD
42.5 Wholesale and Retail Business As per the agreement with IFAD
42.6 Finance, Insurance and Fixed Assets As per the agreement with IFAD
S.N. EMI Products Fixed Interest Rate/Annum (%)
1 Agro tools 10.65
2 Home Loan/House Purchase Loan
2.1 upto 5 years 10.15
2.2 >5 to 10 years 10.65
2.3 >10 to 15 years 11.15
2.4 >15 to 20 years 11.65
2.5 >20 to 25 Years 12.15
3 Land Purchase 10.65
4 Education Loan 10.65
5 Hire Purchase 10.65
6 Auto Loan 10.65
7 Salary Account Loan 10.65
8 Home Stay Service 10.65
9 Overdraft Individual 10.65
Notes:
• Interest Rates on Loan and Advances (Floating Rates) shall be adjusted as per the change in average Base Rate of previous three months.
• *Remittance FDs shall be added 1% additional annual interest.
