Agricultural Development Bank Interest Rates Updated for Baisakh 2083

13th April 2026, Kathmandu

Agricultural Development Bank Limited has officially revised its deposit and loan interest rates effective from Baisakh 01 2083 which corresponds to April 14 2026.

Agricultural Development Bank Interest

The updated rates reflect current market conditions and aim to provide competitive returns to depositors while ensuring accessible financing options for borrowers across Nepal.

This update covers a wide range of financial products including savings accounts fixed deposits specialized loan products and EMI based lending schemes. As a leading institution in rural and agricultural financing these changes are expected to have a significant impact on the credit landscape for the new fiscal year.

Updated Savings Deposit Interest Rates

The bank has categorized its savings accounts with varying interest rates depending on the specific product type and target demographic. General savings accounts such as the Hamro Bachat Khata and standard General Savings offer a baseline interest rate of 2.78 percent per annum.

Specialized Savings Account Returns:

• Bal Surakshya and Chetanshil Nari Bachat: 3.70 percent
• Krishak Bachat (Farmer Savings): 3.93 percent
• Shareholder and Samriddhi Bachat: 4.15 percent to 4.16 percent
• Ba Ama Bachat and ADBL Platinum Savings: 4.39 percent
• Remittance and Matribhumi Savings: Up to 5.39 percent

For foreign currency savings accounts including USD EURO and GBP the interest rate is set at a uniform 2.78 percent per annum. These competitive rates are designed to encourage formal savings habits among both domestic residents and the Nepali diaspora.

Fixed Deposit (FD) Interest Rates for 2083

The Agricultural Development Bank Interest Rates for fixed deposits vary based on the duration of the deposit and the nature of the depositor.

Individual Fixed Deposits:

• 3 months to 1 year: 2.78 percent
• 2 years: 2.85 percent
• 3 years: 3.00 percent
• 4 years and above: 4.15 percent

Special and Institutional FD Schemes:

• Institutional Fixed Deposits (6 months+): 2.78 percent
• ADBL Remittance FD: 3.75 percent to 5.15 percent
• Lakhpati Karodpati Dhamaka FD: Up to 5.15 percent
• Recurring Deposit Accounts: Approximately 4.15 percent

In the foreign currency segment USD fixed deposits offer up to 3.50 percent while Japanese Yen fixed deposits provide returns up to 3.90 percent.

Call Deposit and NRN Account Rates

Call deposit accounts for both local and foreign currencies offer a uniform interest rate of 0.60 percent per annum. For Non Resident Nepali customers the bank provides specialized rates to attract foreign exchange.

• USD Savings: 2.75 percent
• Japanese Yen Savings: 3.00 percent
• Fixed Deposits (USD): 3.35 percent
• Fixed Deposits (JPY): 3.90 percent

Loan Interest Rates and Premium Structure
Agricultural Development Bank continues to operate under a base rate system. The final interest rate for any loan is calculated by adding a specific premium to the current base rate of the bank.

Loan Premium Highlights:

• Agricultural Loans: Up to 1.5 percent premium
• Business and Service Loans: Up to 3 percent premium
• Household and Employee Loans: Up to 3 percent premium
• Overdraft Loans: Up to 5 percent premium

Specialized sectors such as hydropower tourism and industrial manufacturing also fall within a premium range of up to 3 percent above the base rate. This structure ensures that essential sectors like agriculture receive the most affordable financing.

Major Loan Categories Offered

The bank maintains a diverse portfolio of loan products tailored to the needs of the Nepalese market. Most standard products carry a premium of up to 3 percent while certain developmental loans are governed by specific regulatory provisions.

• Home Loan and House Purchase Loan
• Land Purchase and Education Loans
• Auto and Salary Loans
• Gold and Silver Loans
• Foreign Employment and Bridge Gap Loans
• Agriculture and Forest Financing (VITA Loans)

EMI Based Loan Interest Rates

For those seeking predictability in their monthly payments ADBL has updated its fixed interest rates for EMI based products. These are particularly popular among salaried individuals and long term homeowners.

• Agro Loans (Fixed EMI): 10.65 percent
• Home Loans (Fixed EMI):
• Up to 5 years: 10.15 percent
• 5 to 10 years: 10.65 percent
• 10 to 15 years: 11.15 percent
• Above 15 years: 11.65 percent

Other products such as land purchase and education loans are generally priced around 10.65 percent for EMI structures.

Key Highlights of the Baisakh Update

• The revised interest rate schedule for 2083 showcases several strategic priorities for the bank:
• Competitive savings rates peaking at 5.39 percent for remittance earners.
• Long term fixed deposit returns reaching up to 5.15 percent.
• Capped loan premiums to ensure affordability for productive sectors.
• Structured EMI loan rates starting from a low of 10.15 percent.
• A sustained focus on agriculture and forest based development financing.

Conclusion

The revised Agricultural Development Bank Interest Rates for Baisakh 2083 demonstrate a balanced approach between supporting deposit growth and facilitating credit expansion. By offering attractive savings schemes alongside flexible and affordable loan products ADBL continues to fulfill its mandate of supporting both individual customers and the backbone of the economy.

These updates are expected to enhance customer confidence and stimulate borrowing for productive purposes particularly in the infrastructure and agricultural sectors across all seven provinces of Nepal. As the new year begins both savers and borrowers are encouraged to review these rates to optimize their financial planning for 2083.

For More: Agricultural Development Bank Interest