A Comprehensive Overview of Agricultural Development Bank’s Modern Banking Services
10th November 2025, Kathmandu
Agricultural Development Bank Ltd. (ADBL) stands as a foundational institution in Nepal’s financial landscape, increasingly moving beyond its traditional role to embrace cutting-edge digital technology.
ADBL Modern Banking Services
The bank now offers a wide-ranging portfolio of modern digital and financial services designed to make banking faster, more convenient, and highly secure for a diverse clientele, from individual farmers to large corporate entities. ADBL’s strategy is clear: leverage technology to enhance accessibility, drive efficiency, and promote financial inclusion across the nation.
The Digital Core: Anytime, Anywhere Banking
ADBL has invested heavily in creating a robust digital ecosystem that allows customers to manage their finances 24/7 without needing to step inside a branch.
Mobile and Internet Banking
The bank’s flagship consumer digital products are the Mobile Banking (ADBL Smart) app and its comprehensive Internet Banking platform. ADBL Smart transforms the customer’s mobile device into a bank on the go, offering essential services like balance checks, fund transfers, and utility payments. Key security and convenience features include 24/7 access, fingerprint login, QR payments, and secure SSL encryption. Similarly, the Internet Banking service provides a web-browser interface for tasks like cheque management, eSewa loading, and viewing account statements, available for both individual and corporate users.
Corporate and Institutional Payments
For large organizations, ADBL offers Corporate Pay, a secure, 24/7 digital payment system for institutional customers. Operating via the reliable Connect IPS platform, Corporate Pay enables large fund transfers with high security, featuring essential controls like Maker-Checker functionality, limit flexibility, and Two-Factor Authentication (2FA). Registration is conveniently completed online, ensuring seamless integration into the corporate financial workflow.
Seamless Payment Gateways
The bank ensures universal connectivity through platforms like Connect IPS, allowing ADBL customers to make direct online payments and fund transfers to any bank account in Nepal instantly. For the highest value transfers, the RTGS (Real-Time Gross Settlement) Service is available, ensuring instant, high-value transfers between any commercial banks in the country.
Digital Lending and Credit Facilitation
ADBL recognizes the need for quick, accessible credit, particularly for its core clientele. The bank has integrated lending into its digital platforms, eliminating traditional paperwork.
ADBL Smart Fone Loan
A revolutionary service for salaried customers, the ADBL Smart Fone Loan is a fully digital, instant short-term loan available via the ADBL Smart Plus app. The service requires no collateral and no paperwork, providing instant disbursement upon automated eligibility confirmation. With a generous loan limit of up to Rs. 2,00,000, this product provides immediate financial relief and demonstrates ADBL’s ability to use technology to speed up credit access.
Specialized Credit and Card Services
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Kisan Credit Card: This is a crucial, specialized credit facility designed specifically to support farmers, providing immediate access to funds, alongside valuable access to technical knowledge and marketing support for agricultural operations.
Credit Card: The bank issues a VISA Credit Card for salaried customers, with limits ranging from Rs. 25,000 to Rs. 10 lakh. Features include the secure EMV chip, contactless payment capability, and acceptance at POS terminals in both Nepal and India.
The Backbone: Core Banking and Infrastructure
Reliable core infrastructure ensures ADBL’s services are accessible nationwide and internationally.
Physical and Digital Access
The bank maintains a national footprint through its 129 ATMs (with planned expansion) and the powerful ABBS (Any Branch Banking System). ABBS allows customers to deposit, withdraw, get statements, or issue cheques from any ADBL branch nationwide, irrespective of where the account was opened. Additionally, the Smart Teller Service enables fast, paperless cash withdrawals using BankSmart V5 QR technology.
Card and Transaction Security
The Visa Debit Card is a secure and convenient instrument for cashless transactions and ATM withdrawals across Nepal and India. The card is valid for four years and comes with a daily withdrawal limit of up to Rs. 50,000. Furthermore, all customers benefit from the SMS Alert service, which provides free, real-time notifications for all account activities, including deposits, withdrawals, and charges, through NTC and Ncell networks.
Global Connectivity
ADBL ensures its customers are connected globally through ADBL Visa Direct, allowing them to send or receive money globally from over 180 countries using just a 16-digit Visa card number, enabling quick and safe cross-border fund transfers.
Capital Market and Clearing Services
Recognizing the growing interest in the capital market, ADBL provides essential investment services:
ADBL Demat Account: Facilitates the dematerialization of shares, protecting investors from the risks of physical certificates. The bank also offers essential CRN (Customer Registration Number) services even for customers holding external Demat accounts.
ASBA Service: The bank provides a free, safe ASBA (Application Supported by Blocked Amount) account for customers to easily apply for IPOs/FPOs, available at over 180 branches.
Through this extensive array of services, from specialized agricultural credit cards to instant digital loans and global payment solutions, Agricultural Development Bank Ltd. is effectively positioning itself as a modern, inclusive, and digitally-empowered financial institution ready to serve the diverse needs of Nepal’s evolving economy.
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