ADBL Interest Rate Update Effective Chaitra 2082
15th March 2026, Kathmandu
Agricultural Development Bank Limited (ADBL) has officially implemented a revised interest rate structure effective from Chaitra 01, 2082 (March 15, 2026).
ADBL Interest Rate Update
As one of the premier financial institutions driving rural economic development in Nepal, ADBL’s latest update provides a comprehensive look at how the bank is positioning its deposit and lending products amidst current market liquidity trends.
Savings Deposit Yields
The updated savings portfolio offers diverse options tailored to different customer demographics. Rates are now categorized by account type, with premium offerings focusing on remittance and long-term security.
Highest Yield Savings: The MatriBhumi Savings and Remittance Savings accounts now offer an annual interest rate of 5.36 percent.
Mid-Range Savings: ADBL Platinum Savings and Ba Ama Bachat accounts are set at 4.36 percent, while Sambriddhi Bachat stands at 4.13 percent.
Entry-Level Savings: General Savings and HamroBachatKhata carry an interest rate of 2.75 percent.
Fixed Deposit and Call Account Structure
ADBL has fine-tuned its fixed deposit (FD) offerings to reward longer tenures while maintaining standard rates for shorter periods.
Individual FD: Rates start at 2.75 percent for tenures between 3 months and 1 year. The rate increases to 2.85 percent for 2-year deposits, 3.00 percent for 3-year deposits, and reaches 4.15 percent for tenures of 4 years and above.
Remittance FD: This specialized scheme offers a higher yield range of 3.75 percent to 5.15 percent, incentivizing migrant workers to park their funds within the domestic banking system.
Call Deposits: For business liquidity management, call deposits across local and foreign currency denominations (LCY, USD, Euro, GBP) are consistently set at 1.37 percent.
Advertisement
Loan Products and Premium Application
The bank continues to maintain a dual-track interest rate system for loans: a variable-rate structure linked to the base rate for business and agriculture, and a fixed-rate structure for EMI-based retail products.
Agricultural and Productive Loans:
The bank maintains a competitive stance on agricultural development. Loans for agro-production, livestock, fish farming, and cold storage are subject to a premium of up to 2 percent over the base rate. This focus underscores ADBL’s core mission of sustaining the country’s primary sector.
Business and Service Sector Loans:
Loans aimed at industry, mining, wholesale, tourism, and general business services are subject to a higher premium of up to 3 percent above the base rate, reflecting the risk profiles associated with these commercial ventures.
Retail EMI-Based Loan Products
For retail borrowers, ADBL offers predictability through fixed annual rates. Key products include:
Home Loans: Interest rates range from 10.15 percent for 5-year terms up to 11.15 percent for 10-15 year terms.
House Purchase Loans: Rates range between 10.15 percent and 11.65 percent.
Personal and Lifestyle Loans: Education loans, auto loans, and salary account loans are competitively set at 10.65 percent per annum.
Agro Tools Loan: Specifically for farmers upgrading their equipment, this loan is priced at 10.65 percent.
Subsidized Loan Programs
ADBL remains a key facilitator of provincial-level economic support. The bank has integrated various subsidized loan programs into its portfolio, allowing for preferential rates or specific premium structures as agreed upon with the Bagmati, Lumbini, Karnali, and Gandaki provincial governments.
As these rates are subject to change based on the bank’s base rate movements and periodic liquidity assessments, customers are strongly encouraged to visit their local ADBL branch for a personalized financial consultation before finalizing any credit facility.
For More: ADBL Interest Rate Update
