Agricultural Development Bank Gold Loan interest rate 2083
Agricultural Development Bank's gold loan is priced at 7.55% effective in Bhadra 2083: a 4.55% base rate plus a 3% premium. That ranks 8th cheapest of the 11 commercial banks we track for this product. On Rs. 2 Lakh over 12 months the EMI is about Rs. 17,356, plus a 0.5% processing fee.
- Effective rate
- 7.55%
- Base rate
- 4.55%
- Premium
- 3%
- Processing fee
- 0.5%
- Maximum tenure
- 36 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 8 / 11
- 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 Gold Loan: effective rate 7.55%, EMI from Rs. 17,356 per month. Compare with 10 other banks.
Rate breakdown
Base rate
4.55%
Premium
3%
Effective rate
7.55%
Fixed
Not published
- Processing fee
- 0.5% (Min Rs. 500)
- Prepayment penalty
- 0%
- Loan amount
- Rs. 25 K – Rs. 25 Lakh
- Tenure
- 3 – 36 months
- Max financing
- 70%
- Age
- 21 – 65 years
Highlights
- Same-day disbursement
- Interest-only option
- Safe custody insured
Who is eligible
Hallmarked or assayed gold ornaments. Valuation at bank counter.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Gold ornaments
- Purchase receipt if available
Agricultural Development Bank Gold Loan FAQ
What is Agricultural Development Bank's current Gold Loan interest rate?+
Agricultural Development Bank's Gold 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. 2 Lakh Gold Loan from Agricultural Development Bank?+
At 7.55% over 12 months, the EMI is roughly Rs. 17,356. Use the calculator above to change the amount or tenure.
Can I prepay a Agricultural Development Bank Gold Loan?+
Yes. The published prepayment charge is 0% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
