Rastriya Banijya Bank Agriculture loans cross Rs 39 billion
29th April 2026, Kathmandu
The agricultural sector serves as the primary backbone of Nepal’s economy, and its modernization requires substantial financial backing. Recognizing this need, Rastriya Banijya Bank (RBB) has significantly accelerated its investment into the productive sector.
RBB Agriculture loans
By the end of Chaitra 2082, the bank reported a massive disbursement of over Rs 39.53 billion in dedicated agricultural loans. This strategic growth plan underscores the bank’s commitment to transforming traditional farming into a commercial and sustainable enterprise. Through low-cost credit and specialized technical support, RBB is bridging the gap between rural farmers and modern banking resources.
Affordable Credit and Competitive Interest Rates
One of the standout features of the Rastriya Banijya Bank Agriculture lending strategy is the focus on affordability. The bank has prioritized low-cost lending by offering competitive interest rates with minimal premiums. For many farmers, high interest rates and hidden fees are the biggest barriers to expansion. RBB has addressed this by introducing various fee concessions, ensuring that agricultural entrepreneurs can access capital without the burden of excessive financial pressure. This move is designed to encourage both small-scale and large-scale investments in farming, ultimately boosting domestic production and reducing reliance on imports.
Diverse Financing for Livestock and Farming Sectors
RBB’s investment portfolio is wide-reaching, covering the most vital sub-sectors of rural livelihoods. The bank actively finances a variety of livestock and farming enterprises, including:
Poultry Farming: Supporting the growing demand for local meat and egg production.
Goat Farming: Empowering rural households with high-yield livestock options.
Cattle Farming: Financing cow and buffalo farming to strengthen the dairy industry.
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Fish Farming: Promoting aquaculture as a viable commercial venture across various provinces.
By focusing on these specific areas, the bank is directly contributing to food security and income generation for thousands of families across the country.
Province-Specific Loans and Small Farmer Support
To ensure that development is balanced across all regions, RBB has introduced the “Province-Specific Agricultural Loan” scheme. This program allows eligible borrowers to access up to Rs 50 million at a highly attractive interest rate of 4.75%. This initiative is specifically aimed at large-scale farming enterprises that have the potential to modernize the industry through mechanization and high-volume production.
At the same time, the bank has not forgotten the small-scale producers. The “Small Farmer Simplified Loan” provides up to Rs 1 million at the same 4.75% interest rate. To make this even more accessible for low-income households, RBB has waived all processing fees for this category. Furthermore, the introduction of the “Farmer Credit Card” offers a modern, flexible way for farmers to manage their credit and purchase necessary inputs like seeds and fertilizers.
Strengthening Infrastructure and Technical Expertise
Effective agricultural banking requires more than just disbursing cash; it requires a deep understanding of the farming cycle. To improve service delivery, Rastriya Banijya Bank has established a dedicated Agriculture and Social Banking Department at its central office. This department is responsible for implementing a robust agricultural credit policy and operational framework.
To ensure that loans are utilized effectively, the bank has deployed experienced agricultural experts to various provincial and branch offices. these experts provide technical support to borrowers, helping them manage risks and optimize their farm outputs. This combination of financial capital and technical knowledge ensures that the bank’s investment leads to real, measurable growth in the agricultural sector.
Conclusion: A Pillar of Agricultural Growth
With an investment exceeding Rs 39 billion, Rastriya Banijya Bank has solidified its position as a leader in agricultural financing in Nepal. The combination of low 4.75% interest rates, simplified loan processes for small farmers, and a specialized support infrastructure makes RBB a preferred partner for the farming community. As the bank continues to expand its reach, it is playing a pivotal role in strengthening the national economy and improving the quality of life for farmers nationwide. For those looking to grow their agricultural business, RBB’s tailored financial products offer the perfect foundation for a prosperous future.
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