Agricultural Development Bank Limited (ADBL) Updates Interest Rates

17th November 2025, Kathmandu

Agricultural Development Bank Limited, operating under a Class A license from Nepal Rastra Bank, has officially released its updated interest rates on both deposit and loan products.

ADBL Updates Interest Rates

These new rates are effective from 17 November 2025, corresponding to Mangsir 1, 2082. This periodic adjustment reflects the current liquidity situation and regulatory environment within the Nepalese financial sector.

Deposit Interest Rates

The bank offers a diverse portfolio of savings and fixed deposit schemes tailored to various customer segments, with varying interest rates.

Savings Accounts

The interest rates on savings accounts range from a baseline of 2.75 percent to a high of 5.36 percent annually.

Lower End Accounts (2.75 percent): Both the General Savings account and the Hamro Bachat Khata offer a base rate of 2.75 percent.

Mid-Range Accounts (3.44 percent to 4.36 percent): Several specialized accounts fall within this range, including Sabai Nepali Ko Bachat at 3.44 percent, Bal Surakchya Bachat and Chetanshil Nari Bachat at 3.67 percent, Krishak Bachat at 3.90 percent, and Shareholder Bachat and Sambriddhi Bachat at approximately 4.12 percent to 4.13 percent. The higher-tier accounts like Ba Ama Bachat, ADBL Platinum Savings, ADBL Salary Account, Corporate Payroll, and Purbakarmachari Samman Bachat are positioned at 4.35 percent to 4.36 percent.

Premium Accounts (5.36 percent): The highest rate of 5.36 percent is reserved for the Remittance Savings and Matribhumi Savings accounts, reflecting the bank’s initiative to incentivize foreign currency inflows and reward customers using remittance services.

Fixed Deposits (FDs)

Fixed deposits, which reward longer-term commitments, show a range of rates depending on the customer category and tenure.

Institutional Fixed Deposits: These deposits receive a rate of 2.75 percent for a duration of six months and above.

Individual Fixed Deposits: The rates are generally higher and increase with the deposit tenure:

• Short-term FDs (3 Months to 1 Year) start at 2.75 percent.
• Two-year deposits receive 2.85 percent.
• Three-year deposits yield 3.00 percent.
• Deposits held for four years and above earn the highest general rate of 4.70 percent.

Special FDs: The ADBL Remittance FD offers a competitive range from 3.75 percent to 5.70 percent, while the special Remittance FD scheme explicitly offers 5.70 percent. Other specialized FDs, including ADBL Special FD, Mero Khusi Mero Bhawisya FD, and Sewa Nibritta Karmachari FD, are all set at 2.85 percent. The ADBL Recurring Muddati Khata offers 4.70 percent.

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A key feature of the Remittance FD is the additional 1 percent annual interest applied to the standard rate.

For FDs exceeding five years, the rate will be determined through a mutual agreement between the customer and the bank.

Foreign Currency Fixed Deposits (FCY FDs)

ADBL also accepts deposits in major foreign currencies:

• US Dollar (USD): Rates vary from 3.50 percent for a 3-month term down to 3.25 percent for a 1-year term.
• Euro (EUR) and British Pound (GBP): Both currencies offer a rate of 1.37 percent for Call Deposits.

Loan Interest Rates

All loan interest rates at Agricultural Development Bank Limited are floating rates, calculated as a premium added to the bank’s Base Rate. These floating rates are subject to change as they adjust according to the average base rate of the past three months. Customers should check the bank’s website for the Base Rate applicable for Mangsir 2082 (mid-November 2025).

The premium, or margin, added to the Base Rate varies based on the perceived risk and duration of the loan product:

Lowest Premium (Up to 2 percent): This is applied to Home Loans up to five years, Agriculture and Livestock Loans, and some Business Loan/Overdraft/Term Loan categories.

Mid-Range Premium (Up to 2.5 percent to 3 percent): This covers longer-term Home Loans (up to 2.5 percent for 5 to 10 years and up to 3 percent for 10 to 15 years and above 15 years), Education Loans (up to 3 percent), Auto and Hire Purchase Loans (up to 2 percent to 2.5 percent), Salary Loans (up to 2.5 percent), and Land Purchase Loans (up to 3 percent).

Highest Premium (Up to 4 percent to 5 percent): The highest margin is applied to Gold and Silver Loans (up to 4 percent) and certain Business Loan/Overdraft/Term Loan categories (up to 5 percent).

Specialized Loans: Subsidized Loans are offered at rates determined by agreements with provincial governments or NRB provisions, while VITA agriculture loans follow specific rates agreed upon with IFAD.

For comprehensive details on the specific terms and conditions, interested parties are encouraged to visit the bank’s official website at www.adbl.gov.np or contact their nearest branch office.

For More: ADBL Updates Interest Rates