Agricultural Development Bank Ltd. (ADBL) Unveils New Interest Rates and Loan Structure
15th December 2025, Kathmandu
Agricultural Development Bank Ltd. (ADBL), a prominent A Class Institution operating under the license of Nepal Rastra Bank, has published its updated interest rates for deposits and the premium structure for its extensive range of loan products. These new rates are officially effective from Poush 01, 2082 (16 December 2025), reflecting the bank’s commitment to adapting to the current financial landscape and meeting the diverse needs of its vast customer base, particularly within the agricultural and rural sectors.
ADBL New Interest Rates
This comprehensive update covers a wide array of financial products, including various savings accounts, local and foreign currency fixed deposits, call deposits, and an extensive portfolio of both agricultural and general loan schemes, ensuring transparency and clarity for all stakeholders. The document serves as the primary reference for customers engaging with the bank’s deposit and lending services for the effective period.
Key Deposit Rate Changes and Product Highlights
The deposit rates offered by ADBL show a tiered structure, rewarding specialized and remittance-based accounts with higher returns.
Savings Deposits: The standard interest rate for core savings products, such as the HamroBachatKhata and General Savings, is set at 2.75 percent per annum. However, the bank provides significant incentives for specific customer segments. Specialized accounts like Bal Surakshya Bachat Khata, Chetanshil Nari Bachat, Karmachari Nibritta Bhran Bachat, and Social Security Special Saving all offer a competitive rate of 3.67 percent.
Further attractive rates are provided for those supporting key national priorities or representing key affiliations. The Kishak Bachat offers 3.90 percent, while accounts for shareholders and high-value depositors, such as Shareholder Bachat, Samriddhi Bachat, Ba Ama Bachat, ADBL Platinum Savings, and Purba Karmachari Samman Bachat, range from 4.12 percent to 4.36 percent. The highest savings rate, 5.36 percent, is allocated to Matribhoomi Savings and Remittance Savings accounts, underscoring the bank’s effort to attract foreign earnings back into the formal financial system. Foreign Currency Savings accounts in USD, EURO, and Pound Sterling all yield a rate of 2.75 percent.
Fixed Deposits: The fixed deposit structure is designed to reward longer-term commitments. Institutional Fixed Deposits, including those acquired through bidding, are set at 2.75 percent for a tenure of six months and above. For individual depositors, the General Fixed Deposit rate begins at 2.75 percent for three months to one year, gradually increasing to 4.55 percent for tenures of four years and above.
Specialized fixed deposit schemes for individuals, such as Lakhpati Karodpati Dhamaka Muddatik Khata (Normal), Chori Chora Jeevan Samman Khata, and ADBL Recurring Muddatik Khata, all carry a rate of 4.55 percent. The most lucrative fixed deposit is the ADBL Remittance FD and the Remittance variant of the Lakhpati Karodpati Dhamaka Muddatik Khata, which offer a range from 3.75 percent to 5.55 percent. Foreign Currency Fixed Deposits in USD are offered at varying rates based on term, starting from 3.50 percent for three months and settling at 3.25 percent for one year. The bank also specifies that a 1 percent additional annual interest will be added to Remittance Fixed Deposits.
Advertisement
Other Deposits: The Akshayakosh, or Endowment Fund, is offered an interest rate of 2.75 percent. Call Deposits, available in both local currency (LCY) and foreign currencies (USD, EURO, Pound Sterling), carry a uniform rate of 1.37 percent. Non-Resident Nepali (NRN) Accounts also feature prominently, with NRN Fixed Deposit Accounts in Japanese Yen offering the highest NRN deposit rate at 3.90 percent.
Loan Products and Interest Rate Determination Methodology
The lending rates for floating rate loans are determined by adding a specified premium to the bank’s Base Rate. It is noted that interest rates on loans and advances with floating rates shall be adjusted as per changes in the average base rate of the previous three months. The bank encourages customers to visit its website for the effective base rate for the month of Poush 2082.
Agricultural and Priority Sector Loans: Reflecting its core mandate, ADBL offers competitive premiums for agricultural loans. Agro-Production, Livestock, Fish Farming, and other targeted loans like Yuba Swarojgar Karja and Cold Storage Loan all carry a low premium of up to 2 percent over the Base Rate. The Saral Krishikarja, excluding interest subsidy cases, has a higher premium of up to 5 percent.
General and Commercial Loans: For general commercial activities, the premiums range up to 3 percent for Wholesale Lending, Industry, Processing and Mines Loan, and Business Loan. Household Loans and Overdraft Loans for individuals and institutions are subject to the highest floating premium of up to 5 percent.
Housing and Specialized Loans: Home Loan and House Purchase Loan premiums are tiered based on tenure, starting at up to 2 percent for loans up to ten years and increasing to up to 5 percent for tenures above fifteen years. Specialized financing like Loan Against Gold and Silver is set at a premium of up to 4 percent.
EMI-Based Loan Products: The bank has also published specific fixed interest rates for a selection of EMI-based loan products. For instance, Home Loan for up to five years is offered at a fixed rate of 10.15 percent per annum, while the longest tenure Home Loans (above fifteen years) have a fixed rate of 11.65 percent per annum. Many other EMI products, including Auto Loan and Education Loan, are offered at a fixed rate of 10.65 percent per annum.
The bank’s continued focus on financing through initiatives like the Value Chains for Inclusive Transformation of Agriculture (VITA) Loans underscores its commitment to the agricultural sector, with rates determined as per the agreement with IFAD.
For More: ADBL New Interest Rates
