Agricultural Development Bank Limited New Interest Rates Effective From July 17 2026

16th July 2026, Kathmandu

Agricultural Development Bank Limited has introduced its updated interest rate schedule for deposit schemes and loan portfolios effective from July 17 2026 or Shrawan 1 2083.

ADBL Announces Interest Rates Revision 

The updated rates cover local savings structures fixed terms foreign currency products floating rate premium brackets and fixed rate consumer lending choices.

Local Currency Saving Deposit Yields

The bank maintains structured tiers across multiple Nepalese Rupee savings alternatives based on account purpose and target demographics:

• Remittance Savings and Matribhumi Savings portfolios offer the highest return at 4.35 percent per annum.
• Purbakarmachari Samman Bachat and ADBL Platinum Savings accounts yield 3.36 percent per annum.
• ADBL Salary Account Payroll Bachat and Corporate Payroll options earn 3.35 percent per annum.
• Ba Ama Bachat accounts provide 3.13 percent per annum.
• Sambriddhi Bachat accounts offer 3.12 percent per annum.
• Shareholder Bachat plans deliver 2.89 percent per annum.
• Standard saving setups yield a flat 2.75 percent per annum covering options like Hamro Bachat Khata General Savings Bal Surakchya Bachat Khata Chetanshil Nari Bachat Kirshak Bachat Karmachari Nibritibharan Bachat Social Security Special Saving and Sabai Nepali Ko Bachat.
• Standard foreign currency savings in US Dollar Euro and Great Britain Pound yield a flat 2.75 percent per annum.

Fixed and Recurring Deposit Configurations

Local currency fixed maturities depend heavily on tenure and specified customer groups with a minimum maturity threshold matching regulatory norms:

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• Individual General Fixed Deposits pay 2.75 percent per annum for three months to one year 2.85 percent per annum for two years 3.00 percent per annum for three years and 4.15 percent per annum for terms spanning four years and above.
• Remittance Fixed Deposits and Lakhpati Karodpati Dhamaka Muddati Khata Remittance plans offer elevated returns ranging between 3.75 percent and 5.15 percent per annum.
• Specialized fixed accounts including ADBL Special FD Sewa Nibirtta Karmachari FD and Mero Khusi Mero Bhawisya FD return 2.85 percent per annum.
• Institutional fixed deposits including bidding placements receive a flat rate of 2.75 percent per annum for options spanning six months and above.
• Lakhpati Karodpati Dhamaka Muddati Khata Normal Chori Chora Jeevan Samunnat Khata and ADBL Recurring Muddati Khata pay a uniform return of 4.15 percent per annum.
• Endowment Funds or Akchayakosh options receive a baseline of 3.00 percent per annum.
• Individual US Dollar Fixed Deposits vary by timeline paying 3.50 percent for three months 3.40 percent for six months 3.30 percent for nine months and 3.25 percent for one year.

Non Resident Nepali and Call Placements

Specialized deposit facilities for non resident citizens and liquid call options carry custom parameters:

• Non Resident Nepali US Dollar Savings offer 2.75 percent per annum while US Dollar Fixed options pay 3.35 percent per annum.
• Non Resident Nepali Japanese Yen Savings accounts pay 3.00 percent per annum while Japanese Yen Fixed plans offer 3.90 percent per annum.
• Liquid call accounts return a flat 0.60 percent per annum across Nepalese Rupee Co operative Nepalese Rupee US Dollar Euro and Great Britain Pound accounts.

Floating Lending Margins

Floating credit options adjust dynamically according to changes in the average three month base rate plus specific premium brackets:

• Agricultural Term Financing carries a premium of up to 2.50 percent while Agricultural Working Capital options maintain a premium up to 2.00 percent.
• Subsidized Provincial Credit lines for Karnali and Sudur Paschim run on a maximum premium configuration up to 2.00 percent.
• Standard consumer lines including Business Household Employee Service Overdraft Demand Contract Hypothecation Land Purchase Business Complex Housing Education Hire Purchase Auto Gold Silver Advance on Credit Salary Account Professional Mortgage and Foreign Employment Loans run on premium add ons up to 3.00 percent.
• Fixed rate home financing ranges from premium tiers up to 3.00 percent structured by timelines across blocks under 5 years 5 to 10 years 10 to 15 years and above 15 years.
• Loans tied to Fixed Deposit Receipts or Government Securities apply the existing coupon yield plus a 1.50 percent premium margin.

Fixed Installment Consumer Financing

For retail clients looking to secure stable fixed monthly payments the bank provides set rates across multiple consumer products:

• Agro tools financing operates at 10.65 percent per annum.
• Fixed Home Loans and House Purchase Loans vary directly by duration paying 10.15 percent for up to 5 years 10.65 percent for more than 5 to 10 years 11.15 percent for more than 10 to 15 years 11.65 percent for more than 15 to 20 years and 12.15 percent for long term timelines from 20 to 25 years.
• Land Purchase Education Hire Purchase Auto Salary Account Loan Home Stay Service and Individual Overdraft choices maintain a fixed rate of 10.65 percent per annum.

Operational Guidelines and Policy Clarifications

The official notice outlines separate governance mandates regarding lending practices and specialized fund packages:

• Floating loan rates adapt automatically based on fluctuations observed in the moving average base rate calculation over the prior three months.
• Legitimate source checks remain mandatory to activate the extra 1.00 percent premium yield promised on all specialized remittance fixed accounts.
• Working capital structures under the Value Chains for Inclusive Transformation of Agriculture project operate independently according to internal management guidelines.
• Auction financing programs apply a baseline entry rate of 15.00 percent plus a premium up to 3.00 percent.
• Borrowers can look up the active base rate for Shrawan 2083 or review specific product guidelines by visiting the official online platform at www.adbl.gov.np.

For More: ADBL Announces Interest Rates Revision