ADBL Instant UPI & NPI Remittance Guide: Nepal–India Transfers
25th September 2026, Kathmandu
Transfer money effortlessly between Nepal and India using the ADBL Mobile Banking app. Enjoy fast, secure, and direct P2P cross-border transfers powered by UPI and NPI connectivity. Start sending today!
Nepal–India Cross-Border Money Transfer Made Effortless via ADBL Mobile Banking
Sending and receiving money between Nepal and India is no longer bound by slow paperwork, high fees, or complex bank procedures. Agricultural Development Bank Limited (ADBL) customers can now execute person-to-person (P2P) remittances instantly directly through their mobile banking app.
Powered by the integration of Nepal’s National Payment Interface (NPI) and India’s Unified Payments Interface (UPI), this service transforms cross-border payments into a fast, secure, digital process.
Why Use ADBL’s Nepal–India Cross-Border Remittance?
Instant Real-Time Transfers: Funds land directly in the recipient’s bank account within seconds, 24/7.
VPA / UPI ID Simplicity: No need to type out lengthy account numbers or SWIFT codes—transfers rely on a simple Virtual Payment Address (VPA).
Direct Mobile Integration: Complete the transaction from home using the ADBL Mobile Banking application.
Institutional Security: End-to-end encrypted under the official payment clearing frameworks of Nepal Clearing House Limited (NCHL) and NPCI.
Key Service Specifications & Transaction Limits
| Feature | Details |
| Supported Framework | Interconnected NPI (Nepal) & UPI (India) Network |
| Send Limit (Nepal to India) | Up to INR 15,000 per transaction |
| Receive Limit (India to Nepal) | Up to INR 200,000 per transaction |
| Supported Identification | Virtual Payment Address (VPA) / Registered Mobile Number |
| Eligible Purposes | Family support, personal savings, and approved remittance purposes |
How to Send Money via ADBL Mobile Banking App
1. Enable One-Time Consent: Required for first-time setup.
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Log in to your ADBL Mobile Banking app, locate the Cross-Border Transfer option, and grant the one-time consent required by regulatory guidelines.
2. Select Transaction Type:
Navigate to Fund Transfer $\rightarrow$ Cross-Border Fund Transfer (Nepal–India).
3. Enter Recipient Information:
Provide the recipient’s UPI ID / VPA (e.g., name@upi) along with their full name.
4. Input Amount & Purpose:
Specify the amount in NPR (the app automatically converts and displays the corresponding INR amount and fees) and select your purpose code.
5. Authorize & Confirm:
Verify the transaction details and approve using your Transaction PIN / Biometric authentication to complete the instant transfer.
For more: ADBL Instant UPI & NPI Remittance Guide
