Fixed deposits (FDs) remain one of the most reliable and secure investment options in Nepal. With guaranteed returns and low risk, they are highly preferred by both individuals and institutions. Banks and financial institutions revise FD rates regularly, depending on market conditions and Nepal Rastra Bank (NRB) guidelines.
Here, you can explore the updated fixed deposit interest rate in Nepal for 2025, with comparisons across commercial banks, development banks, and finance companies.
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Fixed Deposit
Global IME Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of December 3
6.00%5.50%4.50%3.75%3.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year6 months3 months
About Global IME
Global IME Bank Ltd. (GIBL) emerged after successful merger of Global Bank Ltd (an “A” class commercial bank), IME Financial Institution (a “C” class finance company) and Lord Buddha Finance Ltd. (a “C” class finance company) in year 2012. Two more “B” class development banks (Social Development Bank and Gulmi Bikas Bank) merged with Global IME Bank Ltd in year 2013. Later, in the year 2014, Global IME Bank made another merger with Commerz and Trust Bank Nepal Ltd. (an “A” class commercial bank). During 2015-16, Global IME Bank Limited acquired Pacific Development Bank Limited (a “B” Class Development Bank) and Reliable Development Bank Limited (a “B” Class Development Bank). During 2019-20, Global IME Bank Limited acquired Hathway Finance Limited (a “C” class finance company), merged with Janata Bank Nepal Limited (an “A” class commercial bank) in year 2019 and merged with Bank of Kathmandu on January 9, 2023, to become the biggest bank in Nepal. Read More
Fixed Deposit
Looking for a smart way to save your money and earn high interest? We offer wide range of unique fixed deposit project with the best savings product in Nepal. You can open Global IME with the deposit as low as NPR 10,000. You can open fixed deposit via mobile/internet banking app – Global Smart Plus. Using Global Smart Plus, avail instant loan against FD.
Latest Fixed Deposit Rates in Nepal
Fixed deposit schemes in Nepal usually range from 7% to 10% annually, depending on the tenure and the financial institution. Some banks also provide higher FD interest rates for remittance accounts and senior citizens.
Fixed Returns: FD returns are guaranteed and there would be predictable growth.
Regulated and safe -All the financial institutions operate under the watchful eye of Nepal Rastra Bank
Flexible Tenures – Range of between3 months to several years.
Extra Rates Special schemes There are special schemes which the senior citizens and remittance accounts receive extra interest.
FAQ’s
The average FD return in Nepal is around 6.2%–6.5% per annum. Rates vary depending on the type of institution, deposit duration, and whether the account is for NRN (Non-Resident Nepalis) or remittance-based deposits.
Finance companies and development banks usually provide the highest FD rates in Nepal, sometimes reaching 8%–8.5%. Commercial banks, while safer, generally offer slightly lower rates between 3%–5.5%.
Most banks and finance companies offer FDs starting from 3 months, with options extending up to 5+ years. Longer tenures generally provide higher interest rates.
Yes. Many banks and development banks in Nepal provide higher FD interest rates for remittance-based accounts (NRN or funds sent from abroad). These rates can be 1% higher than normal FDs.
Yes, you can, but premature withdrawals usually result in reduced interest rates or penalties. It’s recommended to align your FD tenure with your savings goals to avoid loss of interest.
Yes. Some banks and financial institutions in Nepal offer senior citizen FD rates that are slightly higher than regular rates. This makes fixed deposits a popular safe investment option in Nepal for retirees.
