Fixed Deposit Calculator – Calculate FD Interest 2026

Calculate your fixed deposit return quickly and precisely with the FD calculator Nepal. No matter if you’re planning to make a long-term or short-term fixed deposit, this calculator can help you compare rates of interest from the top Nepali banks like Nepal Bank, Rastriya Banijya Bank, NIC Asia Bank and others. Make use of this free FD interest calculator calculate the maturity value, and all interest earned, and make educated investment decisions.

Fixed Deposit Calculator

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Why Use Our FD Calculator?

Planning your fixed deposit investment in Nepal has never been easier. Our fixed deposit calculator Nepal provides instant, accurate calculations to help you make informed financial decisions. Whether you’re investing NPR 50,000 or NPR 10 lakh, understanding your returns beforehand ensures you choose the right bank and tenure for maximum benefits.

FAQ’S – Fixed Deposit Calculator Nepal

A fixed deposit calculator is a free online tool that calculates your FD maturity amount and interest earnings instantly. Simply enter your principal amount (e.g., NPR 100,000), interest rate (2.75-7.25% depending on bank), and tenure (3-120 months) to see exact returns for example, NPR 100,000 at 5.50% for 12 months returns NPR 105,500.

On NPR 1 lakh (100,000) FD for 1 year, interest varies by bank type. Development banks like Narayani Bikas offer 7.00-7.25% earning NPR 7,000-7,250, finance companies offer 5.50-6.75% earning NPR 5,500-6,750, while commercial banks offer 3.50-5.50% earning NPR 3,500-5,500. For example, at Global IME Bank’s rate, NPR 100,000 earns approximately NPR 4,500-5,000.

As of December 22, 2025, FD rates are: Development banks 3.50-7.25% (Narayani Bikas Bank highest at 7.25%), Finance companies 4.50-7.00% (Reliance Finance, Guheshwori Finance at 7.00%), Commercial banks 2.75-5.55% (Global IME Bank, Himalayan Bank at 5.50%). Rates vary significantly by tenure longer periods (3-5 years) typically offer higher returns than short-term deposits (3-6 months).

Early withdrawal penalty typically includes 1-2% reduction in applicable interest rate plus flat charges of NPR 500-2,000 depending on bank. For example, if you invested NPR 500,000 at 6.00% for 2 years but withdraw after 1 year, you may receive only 4.00-4.50% interest rate, losing NPR 7,500-10,000 in potential earnings. Some banks like Narayani Bikas and Nepal Finance may have stricter penalties.

5% TDS (Tax Deducted at Source) applies if your total annual FD interest exceeds NPR 25,000 from all banks combined. Example: If you earn NPR 50,000 interest annually, banks deduct NPR 2,500 as TDS, you receive NPR 47,500 net. TDS is refundable when filing tax returns if your total annual income is below NPR 500,000 (or NPR 600,000 for senior citizens aged 60+).

Highest FD rates in December 2025: Narayani Bikas Bank leads at 7.25% (1+ year), followed by Reliance Finance and Guheshwori Finance at 7.00% (3-5 years), Nepal Finance at 6.75% (2+ years), Jyoti Bikas Bank at 6.50% (5 years). Among Class A commercial banks, Global IME Bank and Himalayan Bank offer 5.50% (3+ years), Nepal Bank 5.10% (5+ years). Use our fixed deposit calculator to compare exact returns.

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