In this thesis, we investigate the performance of adaptive loading orthogonal frequency division multiplexing (OFDM) under Nakagami fading with maximal ratio combining (MRC) diversity at receiver. We not only expound the principles and structures of the system, but also analyze its performance of the lower bound on the average capacity under Nakagami fading. First, we defined the lower bound on the average capacity under Nakagami fading with ideal MRC diversity. Then, we fixed the values of bit error rate. A maximum rate adaptive loading strategy is derived for uncoded quadrature-amplitude-modulation modulated OFDM. Simple lower bound expressions are provided for average spectral efficiency of the maximum rate adaptive loading OFDM under Nakagami fading channel. Finally, the numerical results will be also shown.