ADBL KYC Update Notice for Inactive Account Reactivation

27th January 2026, Kathmandu

In an era where financial security and regulatory compliance are paramount, Agricultural Development Bank Limited (ADBL) has taken a proactive stance to protect its customers and the integrity of the banking system. The bank recently issued a formal public notice requiring all account holders with outdated information to undergo a Know Your Customer (KYC) update. This move is not merely an administrative requirement but a crucial step in ensuring that banking services remain uninterrupted and secure. For many, an outdated KYC can lead to the sudden freezing of accounts or the inability to perform simple tasks like mobile banking or ATM withdrawals.

ADBL KYC Update Notice

The core objective of the ADBL KYC Update Notice is to bring all customer records into alignment with the latest standards set by the Nepal Rastra Bank and the Anti Money Laundering (AML) Act. By maintaining accurate records, the bank can verify that every transaction is legitimate, thereby reducing the risk of identity theft, unauthorized access, and financial fraud. For the customer, this means a safer banking environment where their assets are shielded by modern verification protocols.

Identifying the Need for a KYC Update

Not every customer needs to rush to the bank immediately, but several specific groups are the primary focus of this notice. If you have an account that has been dormant—meaning no transactions have occurred for six months or more—your account is likely marked for a KYC refresh. Similarly, if your personal details such as your permanent address, contact number, or marital status have changed since you first opened the account, an update is mandatory.

In many instances, ADBL has already begun placing temporary restrictions on accounts that have not updated their details for several years. If you find that your debit card is being declined or your mobile banking app shows a restricted status, it is a clear indicator that your KYC information is incomplete. Ignoring these signs can lead to long term account dormancy, which requires a more complex reactivation process.

Required Documentation for a Smooth Update

To ensure that your visit to the bank is efficient, it is essential to carry the correct documentation. For individual account holders, the primary document is your original Nepali Citizenship Certificate. In cases where citizenship is not available, a valid Passport, Voter ID Card, or a Driving License may be accepted as secondary proof of identity. Additionally, you will need to provide:

Recent Passport Size Photographs: Generally, two copies are required to update the bank’s physical records.

Proof of Address: If your current residence differs from your citizenship, a recent utility bill or a letter from the local ward office may be necessary.

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Family Details: You may need to verify the names of your father, grandfather, and spouse to ensure the family tree in the bank’s records is accurate.

Source of Funds: For higher value accounts, a self declaration or proof of income might be requested to satisfy AML requirements.

The Process: From Branch Visit to Account Reactivation

The most reliable way to complete your KYC update is to visit your base branch—the specific ADBL office where you originally opened your account. While ADBL is expanding its digital capabilities, including an online KYC portal, many reactivation requests for restricted accounts still require a physical signature and original document verification at the counter.

Upon arrival, you will be asked to fill out a revised KYC form. This form captures your latest professional status, estimated annual income, and contact details. Once the staff verifies your original documents against the form, the information is updated in the bank’s Centralized Banking Software (CBS). For most customers, the removal of account restrictions occurs within 24 to 48 hours after the information is processed.

Why Digital KYC is the Future

Agricultural Development Bank Limited is increasingly moving toward digital solutions to make this process easier. The bank’s website now features an Online KYC section where new and existing customers can upload scanned copies of their documents. However, for those responding to a notice about inactive or blocked accounts, a physical visit remains the standard to ensure the highest level of security and to perform a live signature match.

Staying proactive about your banking details is the best way to avoid the inconvenience of a blocked account. By responding promptly to the ADBL KYC Update Notice, you not only ensure your own financial flexibility but also contribute to a more transparent and robust national banking system. The bank, known for its deep roots in the agricultural and rural sectors of Nepal, continues to balance its traditional values with modern regulatory demands to serve its millions of customers effectively.

For More: ADBL KYC Update Notice