Fixed Deposit Interest Rate in Nepal 2026

In Nepal (Updated 2026), Fixed Deposit interest rate Nepal FD rates in most commercial banks presently go between an approximate of 2.8 to 5.8 p.a. on individual customers, depending on the tenure. Short-term FDs (3 to 6 months): 2.8% to 3.3, 1 to 2 years: 3.5% to 4.5%, and long and high FDs (more than five years): they can reach 5.8 and above at some banks. Interest rates are variable and are based on tenure and type of deposit.

The fixed deposits (FDs) have continued to be one of the safest and surest ways of investing in Nepal. Bank and financial institutions change the interest rates of FDs frequently, as per the market and the guidelines of Nepal Rastra Bank (NRB).

In this case, you are able to research the most updated fixed deposit interest rate in Nepal in 2026 and compare it with commercial banks, development banks, and finance companies.

Exact data and proper fixed deposit interest of Nepal will be on the following links

Searching for: nabil

Fixed Deposit

Nabil Bank Limited

Nabil Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A) As of January 26
4.55%
Minimum Balance
Rs. 0
Tenure
10.08 years

Latest Fixed Deposit Interest Rate in Nepal

Fixed deposits (FDs) continue to be one of the most popular and safe investment options in Nepal. Most fixed deposit interest rates vary across financial institutions and depend mainly on the deposit tenure, depositor type (individual, remitter, senior citizen), and the specific bank’s policy.

According to recent comparative summaries, fixed deposit interest rates in Nepal typically range from the lower single digits in short-term tenures to higher mid-single digits for longer terms (higher FD interest rates), with some finance companies offering competitive rates to attract depositors. Fixed Deposit interest rates in Nepal vary widely across banks and financial institutions, depending on:

  • Tenure of the fixed deposit
  • Type of depositor (individual/institution/remittance)
  • Bank policies and monetary conditions

According to our sources like NRB and other banks, average FD returns currently range from ~2.8% to 5%+ per annum for individual Nepali investors, with some institutions offering higher returns on longer terms or special schemes.

Why are fd more applicable?

Fixed Returns: FD returns are mostly positive, 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 between 3 months and several years.

Extra Rates Special schemes. There are special schemes in which the senior citizens and remittance accounts receive extra interest.

Frequently Asked Questions

The average fixed deposit interest rates in Nepal in 2026 generally range from about 3% to 5.5%+ per annum, depending on bank and tenure, with longer tenures offering higher returns.

At present, some development and finance institutions list higher FD returns, and commercial bank comparisons show rates up to around ~5.5% p.a. for long-term deposits, though this varies by bank and tenure

Most banks and finance companies allow FDs starting from 3 months, with options available up to 5 years or more, and longer tenures generally pay higher interest rates.

Yes, many banks provide higher FD interest rates for remittance-based deposits, often around 1 % above standard rates, making remittance FDs more attractive for NRNs.

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 of the banks and financial institutions in Nepal offer senior citizen FD rates that are slightly higher fd rates than regular rates. This makes fixed deposits a popular safe investment option in Nepal for retirees.

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