ADBL Bank vs Everest Bank: Fixed Deposit — Rates, Fees & Which to Pick (2026)

Choosing between ADBL Bank and Everest Bank for a fixed deposit in Nepal comes down to far more than the advertised rate. This 2026 (Asar 2083) comparison weighs both on the factors that decide your real cost — the effective rate after fees and tax, service charges, flexibility and the digital experience.

How to decide between the two

Shortlist on the headline rate, then compare the effective cost: processing and service fees, any minimum balance, prepayment or premature-withdrawal terms, and how easy each is to run day to day. A small rate difference is often outweighed by fees or service. Always confirm the live figure for both before you commit.

Head-to-head rate

The current fixed deposit figures for Asar 2083:

Institution	Fixed Deposit rate (p.a.)	Tenure
ADBL	5.15%	48+ months
ADBL	4.15%	36–36 months

How we sourced these figures

Every rate on this page is taken from each institution's published rate sheet for the Asar 2083 (June 2026) period and cross-checked against Nepal Rastra Bank (NRB) disclosures. We re-verify the numbers each Nepali month, and the comparison table and the figures quoted in the text are generated from the same dataset — so they always agree. You can explore the live, filterable data on the BFIS Compare comparison page.

Related comparisons

• Compare every bank
• Base rates
• EMI calculator

Rates are revised every Nepali month and can change. Figures are for Asar 2083; always confirm the current number on the BFIS Compare comparison page before you apply.

How to Compare Agricultural Development Bank With a Rival: A Practical Checklist for Nepali Borrowers and Savers

When you weigh Agricultural Development Bank against another institution, the advertised rate is only the starting point. Two products with identical headline numbers can cost — or return — very different amounts once fees, taxes, and everyday charges are factored in. The smart comparison is about the effective rate over the full term, not the poster on the branch wall. As a commercial bank regulated by Nepal Rastra Bank (NRB), Agricultural Development Bank must publish its interest and fee schedules, which gives you the raw material for a genuine like-for-like comparison. Here is how to do it methodically.

Look beyond the headline rate

For deposits, remember that fixed-deposit and savings interest for individuals is subject to 5% TDS, so your take-home yield is always lower than the quoted rate. Ask both institutions for the effective post-tax return and whether interest compounds monthly, quarterly, or at maturity — compounding frequency quietly changes what you actually earn. For loans, NRB requires lenders to price at their published Base Rate plus a premium. A lower headline rate paired with a higher premium or frequent Base Rate revisions can end up dearer than a slightly higher, more stable offer.

Count every fee and charge

The costs that erode value are rarely in the headline. Compare these line by line between Agricultural Development Bank and the rival:

• Service and processing charges — loan management fees, documentation, and appraisal costs that are often one-off but sizeable.
• Minimum balance rules — the amount you must keep idle, and the penalty if you dip below it.
• Prepayment and swap terms — the charge to settle a loan early or move it to another lender; a punitive clause can trap you in a bad rate.
• Renewal, closure, and dormancy fees — small numbers that add up over years.
• Digital and card charges — mobile banking, debit card, and cheque-book costs.

Weigh the total cost over the term

Convert everything into one figure: the total you pay (or receive) across the whole life of the product. For a term loan, that means the sum of all EMIs plus upfront fees; for a deposit, the maturity value after TDS. A product that looks cheaper per month can be more expensive once a heavy processing fee or an early-settlement penalty is included. Always compare identical tenures and amounts — a five-year comparison against a three-year one tells you nothing.

Eligibility and documents to check upfront

Before you fall for a rate, confirm you actually qualify and that the paperwork is manageable. Typical NRB-aligned KYC and eligibility requirements include:

• Identity and KYC — citizenship certificate, recent photographs, PAN, and a completed KYC form for each institution.
• Income proof — salary slips, bank statements, or audited accounts and tax filings for the self-employed.
• Collateral and valuation papers for secured loans, plus a clean credit record with the Credit Information Bureau.
• Address and relationship documents — utility bills, rent agreements, or existing account history.

Confirm minimum income, age, and residency thresholds with both lenders, because a marginally better rate is worthless if the rival rejects your file or demands collateral you cannot pledge.

How to get the best deal

Put both offers in writing and ask each institution to itemise the effective rate, all fees, and the total cost for your exact amount and tenure. Test the digital experience before committing — a smooth mobile app, quick statement access, and responsive branch support save real time over the years you hold the product. Use a competing quote as leverage; Nepali banks and finance companies frequently waive or trim processing fees for a good-credit customer who is ready to walk. Finally, read the fine print on rate resets and prepayment, and keep your CIB record clean so you always negotiate from strength.

Compared this way, Agricultural Development Bank and its rivals reveal their true value — and you choose on total cost and service, not on a single number.

Fixed Deposit (मुद्दती निक्षेप) at Agricultural Development Bank: A Complete Guide

A fixed deposit (FD), known in Nepali as मुद्दती निक्षेप, is one of the simplest and safest ways to grow idle savings at Agricultural Development Bank. You lock a lump sum of money for a fixed tenure at a pre-agreed interest rate, and Agricultural Development Bank pays you interest for keeping that money with it. Because the rate is fixed for the full term, an FD shields you from the ups and downs that affect savings accounts, making it a favourite of conservative savers across Nepal.

How fixed deposits work in Nepal

When you open an FD with Agricultural Development Bank, you agree on a principal amount and a tenure that can range from a few weeks to several years. Interest in Nepal is typically calculated on the principal and compounded quarterly (every three months), which means each quarter's interest is added to the base on which the next quarter is calculated. This quarterly compounding lets your return grow slightly faster than simple interest. As a commercial bank licensed by Nepal Rastra Bank (NRB), Agricultural Development Bank must follow NRB rules on deposit products, interest publication, and depositor protection, so your money sits within a regulated framework.

You can usually choose to receive interest periodically (monthly or quarterly payouts to your linked account) or to let it accumulate and be paid with the principal at maturity. On the maturity date, you can withdraw the full amount or opt for auto-renewal, where Agricultural Development Bank automatically re-books the deposit for the same tenure at the prevailing rate so your money never sits idle.

Premature withdrawal, loan against FD, and senior-citizen margin

If you break an FD before maturity, Agricultural Development Bank applies a premature withdrawal penalty and generally pays interest at a reduced rate for the period the money actually stayed. This is why an FD suits money you genuinely will not need soon. A smarter alternative when you face a short-term cash crunch is a loan against your FD (overdraft or fixed loan): you pledge the deposit as collateral and borrow against it, so your FD keeps earning interest and continues undisturbed while you meet the emergency. Many banks also offer an extra senior-citizen margin, a small additional interest benefit for depositors above a defined age, so eligible savers should always ask Agricultural Development Bank whether they qualify.

Eligibility & documents

Opening an FD at Agricultural Development Bank follows standard KYC (Know Your Customer) norms set by NRB. Individuals, joint holders, minors (through a guardian), firms, and institutions are typically eligible. You will usually need:

• A completed FD/account opening form and KYC form
• Citizenship certificate, national ID, or passport (photo ID)
• Recent passport-size photographs
• A linked savings/current account at Agricultural Development Bank for interest credit and maturity proceeds
• PAN, firm registration, or tax documents for business and institutional deposits
• Proof of the source of funds for larger amounts, in line with anti-money-laundering rules

Tax: 5% TDS on FD interest

Interest earned on fixed and savings deposits by individuals in Nepal is subject to 5% Tax Deducted at Source (TDS). Agricultural Development Bank deducts this TDS at the point interest is paid and deposits it with the tax authorities, so the amount that reaches your account is already net of tax. When you compare returns, always think in after-tax terms rather than the headline rate, and keep the TDS certificate Agricultural Development Bank issues for your records.

How to get the best deal from your FD

A few practical habits help you earn more without taking on risk:

• Ladder your deposits. Instead of locking one large sum for a single tenure, split it into several FDs maturing at different times. This laddering strategy gives you periodic access to cash and lets you re-book maturing amounts at fresh rates.
• Match the tenure to your goal. Choose a term that ends near when you will actually need the money, so you avoid premature-withdrawal penalties.
• Confirm the senior-citizen margin and any relationship or bulk-deposit benefits before you sign.
• Decide on interest payout vs. cumulative up front, based on whether you need regular income or maximum compounding.
• Review auto-renewal terms so a deposit does not silently roll over into a tenure that no longer fits your plans.

For savers in Nepal who value certainty over chasing higher-risk returns, a well-planned FD at Agricultural Development Bank is a dependable cornerstone of a healthy financial plan.