Agricultural Development Bank Education Loan interest rate 2083
Agricultural Development Bank's education 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 0.5% processing fee.
- Effective rate
- 7.55%
- Base rate
- 4.55%
- Premium
- 3%
- Processing fee
- 0.5%
- Maximum tenure
- 180 months
- Maximum loan-to-value
- 80%
- 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 Education 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
- 0.5% (Min Rs. 1,000)
- Prepayment penalty
- 0.6%
- EMI at fixed 10.65%
- Rs. 21,568 · Rs. 10 Lakh, 60 months
- Loan amount
- Rs. 2 Lakh – Rs. 1 Cr
- Tenure
- 12 – 180 months
- Max financing
- 80%
- Age
- 21 – 40 years
Highlights
- Nepal and abroad study
- Moratorium during study
- Covers tuition, living and travel
Who is eligible
Admission letter and fee structure required. Parent or guardian as co-borrower.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Admission letter
- Fee structure
- Passport (for abroad)
Agricultural Development Bank Education Loan FAQ
What is Agricultural Development Bank's current Education Loan interest rate?+
Agricultural Development Bank's Education 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 Education 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 Education Loan?+
Yes. The published prepayment charge is 0.6% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
