Agricultural Development Bank Home Loan interest rate 2083
Agricultural Development Bank's home loan is priced at 7.55% effective in Bhadra 2083: a 4.55% base rate plus a 3% premium. That ranks 17th cheapest of the 19 commercial banks we track for this product. On Rs. 50 Lakh over 180 months the EMI is about Rs. 46,493, plus a 0.75% processing fee.
- Effective rate
- 7.55%
- Base rate
- 4.55%
- Premium
- 3%
- Processing fee
- 0.75%
- Maximum tenure
- 300 months
- Maximum loan-to-value
- 70%
- Rank by rate
- 17 / 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 Home Loan: effective rate 7.55%, EMI from Rs. 46,493 per month. Compare with 18 other banks.
Rate breakdown
Base rate
4.55%
Premium
3%
Effective rate
7.55%
Fixed
10.15%–12.15%
- Processing fee
- 0.75% (Min Rs. 5,000)
- Prepayment penalty
- 1.27%
- Fixed-rate terms
- By tenure: up to 5 yrs 10.15% · 5–10 yrs 10.65% · 10–15 yrs 11.15% · 15–20 yrs 11.65% · 20–25 yrs 12.15%
- Loan amount
- Rs. 10 Lakh – Rs. 5 Cr
- Tenure
- 60 – 300 months
- Max financing
- 70%
- Age
- 21 – 65 years
Highlights
- Purchase, construction or renovation
- Up to 25 years tenure
- Balance transfer available
Who is eligible
Salaried or self-employed with verifiable income. Property must be within municipal limits.
Documents you will need
- Citizenship certificate (copy)
- 2 passport-size photos
- Latest 6 months bank statement
- PAN card
- Lalpurja (land ownership)
- Blueprint and municipality approval
- Property valuation report
- Char killa and tax receipts
Agricultural Development Bank Home Loan FAQ
What is Agricultural Development Bank's current Home Loan interest rate?+
Agricultural Development Bank's Home 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. 50 Lakh Home Loan from Agricultural Development Bank?+
At 7.55% over 180 months, the EMI is roughly Rs. 46,493. Use the calculator above to change the amount or tenure.
Can I prepay a Agricultural Development Bank Home Loan?+
Yes. The published prepayment charge is 1.27% of the outstanding balance. Confirm with the branch, as some banks waive it after a minimum period.
