Agricultural Development Bank Auto Loan interest rate 2083
Agricultural Development Bank's auto loan is priced at 7.55% effective in Bhadra 2083: a 4.55% base rate plus a 3% premium. That ranks 16th cheapest of the 18 commercial banks we track for this product. On Rs. 10 Lakh over 60 months the EMI is about Rs. 20,062, plus a 1% processing fee.
- Effective rate
- 7.55%
- Base rate
- 4.55%
- Premium
- 3%
- Processing fee
- 1%
- Maximum tenure
- 84 months
- Maximum loan-to-value
- 50%
- Rank by rate
- 16 / 18
- Rates effective
- Bhadra 2083
Effective from: 1 Bhadra 2083Source: adbl.gov.np/en/interest-rate/interest-rates-effective-from-bhadra-01-2083-17-august-2026
Agricultural Development Bank Auto Loan: effective rate 7.55%, EMI from Rs. 20,062 per month. Compare with 17 other banks.
Rate breakdown
Base rate
4.55%
Premium
3%
Effective rate
7.55%
Fixed
10.65%
- Processing fee
- 1% (Min Rs. 2,000)
- Prepayment penalty
- 1.16%
- EMI at fixed 10.65%
- Rs. 21,568 · Rs. 10 Lakh, 60 months
- Loan amount
- Rs. 2 Lakh – Rs. 1.5 Cr
- Tenure
- 12 – 84 months
- Max financing
- 50%
- Age
- 21 – 65 years
Highlights
- Cars, bikes, scooters and EVs
- EV financing up to 80% LTV
- Insurance bundling
Who is eligible
Minimum 6 months in current job or 2 years in business. EVs allowed higher LTV per NRB.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Vehicle quotation from dealer
- Driving licence
Agricultural Development Bank Auto Loan FAQ
What is Agricultural Development Bank's current Auto Loan interest rate?+
Agricultural Development Bank's Auto Loan floating rate is base rate 4.55% plus a premium of 3% to 3%, giving 7.55% to 7.55% effective from Bhadra 2083.
What is the EMI on a Rs. 10 Lakh Auto Loan from Agricultural Development Bank?+
At 7.55% over 60 months, the EMI is roughly Rs. 20,062. Use the calculator above to change the amount or tenure.
Can I prepay a Agricultural Development Bank Auto Loan?+
Yes. The published prepayment charge is 1.16% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
