Agricultural Development Bank

A premium savings account for high-value individual depositors.

• Minimum balance NPR 25,000
• Interest on daily balance, paid quarterly
• Free cheque book & statement on request
• VISA debit card usable in Nepal & India
• Free SMS alerts and mobile banking
• Discount on locker rental & stop-payment fees
• Any Branch Banking Service (ABBS)

A savings account designed for women to encourage future savings.

• Minimum balance NPR 1,000
• Interest on daily balance, paid quarterly
• Eligibility: female customers with valid ID
• Free cheque book & statement on request
• VISA debit card usable in Nepal & India
• Free SMS alerts and mobile banking
• Discount on locker charge
• Any Branch Banking Service (ABBS)

A savings account for Nepalis working abroad and their families.

• Minimum balance NPR 500
• Interest as per NRB guidelines
• Eligibility: foreign-employed Nepalis & their families
• Only remittance funds accepted, no local deposits
• Free cheque book, SMS alerts & internet/mobile banking
• Online account opening available
• NPR 50,000 remittance balance needed for IPO/Meroshare

A lump-sum term deposit earning a fixed guaranteed rate.

• Minimum deposit NPR 10,000
• Tenure 3 months to 5 years
• Interest paid quarterly at fixed rate
• Eligibility: Nepali individuals and minors (via guardian)
• Premature withdrawal allowed with penal interest
• Loan facility up to 90% of deposit
• Openable via ADBL Smart Banking / online
• TDS applies per Income Tax Act 2058

ADBL's standard everyday savings account.

A savings account product offered by ADBL.

Savings accounts for salaried employees and corporate payroll.

A savings account for social security allowance recipients.

A perpetual/endowment-style deposit product.

A deposit scheme with regular periodic contributions.

A non-interest transactional account for high-volume users.

A short-term deposit withdrawable on call, mainly for institutions.

Financing to build, extend or renovate a residential house.

• Financing up to 70% of construction/renovation cost
• Construction tenure up to 5, 10 or 15 years
• Renovation tenure up to 3 years
• Eligibility: Nepali citizens below 65 years
• Requires valid construction permit & plinth-level work
• Property must have 10-foot road access
• Cost estimate by NEC-registered engineer
• Non-revolving loan

Vehicle financing for individuals and registered businesses.

• Financing up to 60% of proforma invoice/quotation price
• Tenure up to 7 years
• Eligibility: Nepali citizens & registered firms in service area
• Collateral: financed vehicle, real estate or guarantee
• Non-revolving loan

Financing for higher education and training in Nepal or abroad.

• Financing up to 80% of prescribed institution fees
• Tenure up to 7 years or study duration, whichever shorter
• Eligibility: students or immediate family in branch area
• Collateral: real estate, certificates or family guarantee
• Covers higher education, technical & skill courses
• Non-revolving loan

Short-term loan against pledged gold or silver.

• Financing up to 60% of appraised metal value
• Maximum tenure one year
• Collateral: gold/silver coins, bars or jewelry
• Eligibility: Nepali citizens with regular income
• Personal guarantee required
• Non-revolving loan

Loan for farming and agribusiness production activities.

• Loan up to NPR 20 lakh (NPR 2 million)
• For livestock, poultry, fishery & crop/herb production
• Eligibility: Nepali farmers & registered agri firms
• Interest & service fees fixed by bank periodically

Financing for purchase of land.

Loan secured against the borrower's own fixed deposit.

Loan secured against listed shares.

Asset-financing loan repaid in installments.

Revolving overdraft facility against collateral.

Working capital and business financing for enterprises.

Government interest-subsidy loans (e.g. agriculture, women, youth).

A debit card for ATM withdrawals and POS/merchant payments.

• Usable in Nepal & India
• Four-year validity
• Free at ADBL ATMs & POS; NPR 15 at other-bank ATMs
• Issuance/annual/replacement fee NPR 300 each
• Daily withdrawal limit NPR 50,000 / INR 15,000
• Daily POS limit NPR 100,000 / INR 62,500
• Up to 10 transactions per day

A credit card for cardholders with regular fixed income.

• Limit NPR 25,000 to NPR 10 lakh
• Usable in Nepal & India
• EMV-compliant & contactless payment
• POS terminal compatible
• Eligibility: individuals with fixed regular income

ADBL's mobile app for banking on Android and iOS.

• Fund transfers to member banks & QR payments
• Bill payments (utility, internet, TV, water)
• Mobile top-up and wallet loading (eSewa, Khalti)
• Cheque book & statement requests
• Fingerprint login & scheduled payments
• 128-bit SSL encryption, 24/7 access
• Available on Google Play & App Store

Web-based banking for individual and corporate customers.

• Fund transfers within bank and inter-bank
• Bill payment & scheduled payments
• Mobile top-up (NTC/Ncell) & eSewa loading
• Account statements & cheque book requests
• Individual & corporate login portals
• Registration NPR 200, renewal NPR 150/year

24/7 cash withdrawal through ADBL's ATM network.

Bulk payment and corporate cash-management service.

Domestic money transfer across ADBL branches and agencies.

• Send/receive money across all ADBL branches & agencies
• Nationwide agency network
• Simple, secure and reliable transfers

Remittance service between India and Nepal.

International wire transfers via SWIFT.

• SWIFT code ADBLNPKA
• Cross-border inward/outward transfers

Remittance through partner agency networks.

Cross-border remittance service.

Trade finance instrument for importers/exporters.

• Sight and Usance LC types
• Eligibility: registered firms & companies
• Pairs with TR, pre-shipment & post-shipment financing
• Collateral: real estate & acceptable assets
• Requires PAN, Exim code & 2-year audited financials

Guarantees issued on behalf of customers for contracts/tenders.

• Bid bond guarantee
• Performance bond guarantee
• Advance payment guarantee
• Security deposit guarantee
• Duration per customer requirement
• Collateral: real estate & acceptable assets