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: nepal bank limited
Fixed Deposit
Nepal Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 26
5.10%3.85%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years1.08 years3 months
About Nepal Bank
Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. Nepal Bank Limited was established as FIRST bank of Nepal on Kartik 30, 1994 (November 15, 1937 A.D.) under Nepal Bank Act 1937. The bank was established with an authorized capital of Rs.10 million, issued capital of Rs.2.5 million and paid up capital of Rs.0.842 million. The share held by government and private sector was 60% and 40% respectively. Read More
Fixed Deposit
Features
Fixed Deposit can be opened with a minimum balance of NRs.
Payable upon maturity
Penal interest is levied on withdrawal of FD prior to maturity.
Interest is payable Quarterly.
Tax is deducted at source from the interest on saving deposit as per the Income Tax Act, 2058(2001).
Nomination facility is available.
Strict confidentiality is assured.
* The Interest Rates are subject to change as per the market condition.
Eligibility:
Individuals.
Minors.
Trusts.
Associations.
Clubs.
Societies.
Documents :
The copy of the following certified documents has to be submitted while requesting for opening of Account
Personal Account :
Identification Card in the form of Citizenship
Certificate/Passport/Other ID/PAN Card
Minors:
Guardianship to be verified with related documents
Nominees form:
Photograph of the nominee
Signature of the nominee
Clubs/Societies and Association:
Copy of Registration Certificate
Copy of Bye-Laws
Copy of Resolution to Open and Operate the account
List of members
Corporate body:
Certificate of Incorporation
Memorandum and Article of Association of the Company
Resolution of Board of Directors to Open and Operate the account
Sample of Company Seal
Name of the Directors of the Board
Partnership Account:
Certificate of Partnership Registration
Copy of Partnership deed, if any
Proprietorship Account:
Registration Certificate
Identification of Proprietors
Fixed Deposit
Nepal Investment Mega Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 26
5.00%4.50%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2.08 years1.08 years7 months3 months
About Nepal Investment Mega Bank
Nepal Investment Bank Limited (NIBL), established in 1986 as a joint venture between Nepalese and French partners was initially named Nepal Indosuez Bank Ltd. The French partner holding 50% of the capital of Nepal Indosuez Bank Ltd. was Credit Agricole Indosuez, a subsidiary of one of the largest banking group in the world.Read More
Fixed Deposit
NIMB Normal Fixed Deposit is a deposit account encouraging customers to save their funds for the uncertainties of the future. Customers earn interest higher than savings account, therefore, results in more gain of funds after a certain time period.
Features
Account deposit available for more than three months duration
Loan facility up to 90% against Normal Fixed Deposit
Nepal SBI Bank Ltd. (NSBL) is a subsidiary of State Bank of India (SBI) having 55 percent of ownership. The local partner viz. Employee Provident Fund holds 15% equity and General Public 30%. In terms of the Technical Services Agreement between SBI and the NSBL, the former provides management support to the bank through its expatriate officers including Managing Director who is also the CEO of the Bank. Central Management Committee (CENMAC), consisting of the Managing Director & CEO, Dy. CEO & Chief Financial Officer, Chief Operating Officer and two Vertical Heads as decided by Managing Director of the Bank, exercises overall control functions with the help of controlling offices, and oversee the overall operations of the Bank.Read More
101 DAYS FIXED DEPOSIT
Features:
Minimum Balance: Rs 1,00,000.00/-
Eligibility: Individuals and institutions
Single/Joint Accounts
Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.
201 DAYS FIXED DEPOSIT
Features:
Minimum Balance: Rs 1,00,000.00/-
Eligibility: Individuals and institutions
Single/Joint Accounts
Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.
Fixed Deposit
Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 26
4.60%3.15%2.90%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years3 years1 year3 months
About Standard Chartered Bank
Standard Chartered Bank Nepal Limited has been in operation in Nepal since 1987 when it was initially registered as a joint-venture operation. Today, the Bank is an integral part of Standard Chartered Group having an ownership of 70.21% in the company with 29.79% shares owned by the Nepalese public. The Bank enjoys the status of the only international bank currently operating in Nepal. It is also the only Bank in Nepal accredited with ICRANP-IR AAA rating by ICRA Nepal as the safest bank regarding timely servicing of financial obligations.
Globally, we are a leading international banking group with a 160-year history in some of the world’s most dynamic markets. Our heritage and values are expressed in our brand promise, Here for good. Our operations reflect our Purpose, which is to drive commerce and prosperity through our unique diversity. With 85,000 employees, we are present in 59 markets and are listed on the London and Hong Kong Stock Exchanges. There are 124 nationalities, and 100 ethnicities present in our workforce and 174 languages / dialects spoken by our colleagues across the Bank.Read More
Fixed Deposit
Benefits
fixed deposit auto renewed and/ or uplifted
access to your account through Online Banking and SC Mobile App
and guaranteed interest on your savings
Features
Do all your banking transactions online form home, office, or on the move. Simply log in!.
We accommodate varied deposit periods for your fixed deposits.
Our Deposits will allow you to maximize growth potential through attractive interest returns.
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.
