“Best Banks in Nepal Offering the Highest Interest Rates on Savings & Fixed Deposits (Updated 2025)”

When choosing a bank in Nepal, one of the most important factors is the interest rate on savings and fixed deposit accounts. Higher interest rates can help you grow your savings faster. In this article, we provide an updated list of the banks offering the highest interest rates in Nepal as of April 2025.

Highest Savings Account Interest Rates in Nepal

Here are some of the top banks providing the best savings account interest rates:

1. Nepal SBI Bank: Offers up to 3.22% per annum on various savings schemes such as Savings Gorkha, Migrant Savings, and NSBL Nari Bachat Khata.
2. Agriculture Development Bank: Provides 3.00% to 5.76% per annum, depending on the savings account type.
3. Laxmi Sunrise Bank: Savings account interest rates range from 3.00% to 6.00% per annum.

Highest Fixed Deposit Interest Rates in Nepal

Fixed deposits offer a higher interest rate than savings accounts, making them a great investment option. Here are some of the best fixed deposit interest rates available:

1. Nepal SBI Bank: Provides up to 5.50% per annum for individual fixed deposits.
2. Agriculture Development Bank: Offers interest rates of up to 6.51% per annum based on the deposit term.
3. Laxmi Sunrise Bank: Provides up to 6.75% per annum for personal remittance accounts.

Factors to Consider When Choosing a Bank

While interest rates are crucial, you should also consider other factors before selecting a bank:

• Reputation and reliability: Ensure the bank has a strong financial background and good customer service.
• Branch and ATM availability: Choose a bank with convenient branch locations and ATM access.
• Digital banking services: A bank with a good online and mobile banking system can make transactions easier.

Conclusion

If you’re looking for the best interest rates on savings and fixed deposits in Nepal, Nepal SBI Bank, Agriculture Development Bank, and Laxmi Sunrise Bank are great choices. Always compare different banks and consider factors like service quality, accessibility, and banking features before making a decision.

For the latest updates on banking rates and financial insights, keep visiting BankRateNepal.com!