Agricultural Development Bank Limited (ADBL) has officially announced its updated interest rates on deposits and loans, effective Mangsir 1, 2082 (17 November 2025). The revision reflects current financial conditions and regulatory considerations in Nepal.
Deposit Interest Rates:
ADBL offers a range of savings and fixed deposit accounts with varying interest rates.
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Savings Accounts: 2.75%–5.36% annually
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Basic Accounts: General Savings & Hamro Bachat – 2.75%
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Mid-Tier Accounts: Sabai Nepali Ko Bachat 3.44%, Bal Surakchya Bachat 3.67%, Krishak Bachat 3.90%, Shareholder & Sambriddhi Bachat 4.12%–4.13%, other premium accounts 4.35%–4.36%
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Premium Accounts: Remittance Savings & Matribhumi Savings – 5.36%
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Fixed Deposits (FDs):
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Individual FDs: 3 months–1 year – 2.75%, 2 years – 2.85%, 3 years – 3%, 4 years & above – 4.70%
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Special FDs: Remittance FD 3.75%–5.70%, other special FDs 2.85%
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Institutional FDs: 6 months & above – 2.75%
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Foreign Currency FDs: USD 3.25%–3.50%, EUR/GBP 1.37%
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Loan Interest Rates:
All loans at ADBL are floating rates calculated as Base Rate plus premium.
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Lowest Premium (up to 2%): Home loans up to 5 years, agriculture, livestock, and select business loans.
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Mid-Range Premium (2.5%–3%): Longer-term home, education, auto, salary, and land purchase loans.
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Highest Premium (4%–5%): Gold, silver, and certain business loans.
Specialized loans, including subsidized loans and IFAD agricultural loans, are also available. For more details, visit www.adbl.gov.np or contact the nearest branch office.
