Agricultural Development Bank Business Loan interest rate 2083
Agricultural Development Bank's business 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 19 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
- 120 months
- Maximum loan-to-value
- 60%
- Rank by rate
- 16 / 19
- 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 Business Loan: effective rate 7.55%, EMI from Rs. 20,062 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.55%
Premium
3%
Effective rate
7.55%
Fixed
Not published
- Processing fee
- 1% (Min Rs. 5,000)
- Prepayment penalty
- 0.8%
- Loan amount
- Rs. 5 Lakh – Rs. 10 Cr
- Tenure
- 12 – 120 months
- Max financing
- 60%
- Age
- 21 – 65 years
Highlights
- Working capital and term loan
- SME subsidised schemes
- Overdraft option
Who is eligible
Registered firm with PAN/VAT and 1 year audited or tax-filed accounts.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Business plan or projection
- Collateral papers
Agricultural Development Bank Business Loan FAQ
What is Agricultural Development Bank's current Business Loan interest rate?+
Agricultural Development Bank's Business 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 Business 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 Business Loan?+
Yes. The published prepayment charge is 0.8% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
