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
Fixed Deposit
Karnali Development Bank Limited
Bankrate Nepal Review
1.5
Interest Rate(P.A)As of February 6
7.00%7.50%
Minimum Balance
Rs. 0Rs. 0
Tenure
6 months1 year
About Karnali Development Bank
Karnali Development Bank Limited is the first Development Bank in the Mid & Far Western Region of Nepal, established on Falgun 6, 2060 under Bank Act 2052 BS. KDBL was incorporated to extend the banking approach to rural and urban developing sectors of society. Karnali Development Bank Limited (KDBL) is a bank in Nepal that offers a range of services, including savings and current accounts, deposits, and loans. KDBL was established in 2060 under the Bank Act 2052 BS and was the first development bank in the Mid and Far Western Region of Nepal. The bank’s central office is in Nepalgunj, and it has 19 branch offices across the country.Read More
Salapa Bikas Bank Limited offers a variety of deposit products designed to help individuals grow their wealth and secure their financial future. Here’s an overview of their offerings:
Fixed Deposits (FDs):
1 year and above: 8.50% interest rate.
3 months to 6 months: 8.00% interest rate.
Recurring Deposits (RDs):
No minimum balance requirement, offering flexibility for regular investments.
Additional Features:
No set-up, monthly service, or management fees.
Minimum deposit amount of NPR 10,000.
Interest payable at maturity or quarterly.
Loan against your term deposit available up to 90%.
Rates & Fees:
Interest Rate Calculation: Calculated on a daily basis.
Interest Rate Posting: Posted on a quarterly basis.
For more information, visit Salapa Bikas Bank’s official website or check their emails for updates on interest rates, banking career opportunities, and other important notices.
Salapa Bikas Bank is committed to providing exclusive deposit offers that help customers enhance their savings and ensure financial security.
Fixed Deposit
Narayani Development Bank Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
7.25%7.00%6.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
1.08 years6 months3 months
About Narayani Development Bank
Narayani Development Bank Limited initially operated its transactions from 28th September 2001 District level “B” class license financial institution with the name of Narayani Audhogik Bikas Bank Limited. and was renamed Narayani Development Bank Limited. The bank was established with the aim of providing the best services to the customer and being their first choice. Read More
Fixed Deposit
Grow your wealth securely with NDBL’s reliable deposit services. Whether you’re looking for a high-yield savings account to grow your emergency fund or a long-term Fixed deposit (FD) to save for a major purchase, NDBL offers a variety of deposit products to fit your financial goals. Visit our nearest branch today and see how much your money could grow with NDBL!
Fixed Deposit
Saptakoshi Bikash Bank
Bankrate Nepal Review
N.A
Interest Rate(P.A)As of February 6
7.25%7.00%6.50%5.25%5.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year6 months3 months
N.A
Fixed Deposit
Guheswori Merchant Banking & Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
7.00%5.25%5.00%4.75%4.25%4.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years3 years2 years1 year6 months3 months
About Guheswori Merchant
The institution is promoted by local reputed businessmen, entrepreneurs, educationalist, intellectuals, bankers and ex-bureaucrats.Read More
Fixed Deposits
Period
Interest Rate (p.a.)
Payment Frequency
Individual
Institutional
3 months
6.75 %
–
Monthly/ Quarterly/ Maturity
6 months
7.00 %
6.00 %
9 months
7.25 %
6.25 %
1 Year to below 2 Years
7.50%
6.50 %
2 Year to 3 Years
7.75 %
6.75
Above 3 years
8.00 %
7.00 %
Recurring Deposit
(1 year to 10 Years period)
6.75 %
–
Quarterly/ Yearly
Call Deposit
Up to 2.62 %
Quarterly
Fixed Deposit
Janaki Finance Company Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
4.00%7.00%6.45%6.20%5.60%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year9 months6 months3 months
About Janaki Finance Company
Janaki Finance Company Limited was established on 2052 B.S. It has been giving excellent services to its valuable customers for 26 years. Since the day of inception till date the motto of the finance has remained towards the better and easy service to the customer. The company has started its service with the paid up capital amount Rs. 6 Million. Now the company has been able to raise the paid up capital amounted to Rs. 690.47 Million. The Profit, Net worth, collection of deposits and investments are in growing trend. It has been able to keep enough liquidity ratios. It is also succeed in providing the regular dividends to the shareholder. Share Capital of Finance company comprises 51% from Promoters and 49% from Public. Janaki Finance Company has been awarded by highly income tax paid for FY 2078.79 in BFI’s sector at Madhesh Province.Read More
Fixed Deposit
Eligibility: Any Nepalese citizen / corporate
Retirement Scheme
Eligibility: Any Nepalese Senior citizen
Minimum Balance: NRs. 1,20,000 (Balance should be in multiple of NRs. 1,20,000)
Interest: NRs. 1,000 for each Balance of NRs. 1,20,000 montly.
Period: 5 year
Double Fixed Deposit
Eligibility: Any Nepalese citizen / corporate
Balance is double in 75 Months .
Reliance Finance Limited, a “C” class financial institution, incorporated in the year 2066 B.S and licensed by Nepal Rastra Bank to undertake financial services, has established itself as one of the leading finance company of Nepal.
Promoted by a team of business personalities with a strong track record in diverse lines of business and led by a team of highly professional and seasoned individuals from the banking and financial sector, Reliance Finance has undoubtedly established itself as a trusted financial partner. The trust and confidence of our valued customer over the past decade has set the pace for scaling new heights in the financial sector. Led by the vision of the board members and inspired by the trust of our customers, Reliance Finance has been providing a wide range of financial services through its 21 branches all across the nation. Read More
Fixed Deposit
Reliance Fixed Deposit Account offers attractive interest rate on Fixed Deposits of varied maturity depending on the maturity convenient to the depositors.
Individual Fixed Deposit (Effective From 2081-05-01)
Period
Month End/Quarter End/On Maturity
3 months
6.25%
6 months
6.75%
9 months
7.00%
12 months to 24 months
7.25%
Above 24 month to 36 months
7.50%
Above 36 months
8.50%
Reliance Remittance Fixed Deposit Account
1.0% higher than above mentioned rates for respective tenure
Fixed Deposit
Nepal Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
6.75%5.75%5.25%4.75%4.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2.08 years1 year9 months6 months3 months
About Nepal Finance
Nepal Finance Limited, the first Finance Company of Nepal, has been operating since 2049 by obtaining operating license from Nepal Rastra Bank as “C” class Financial Institution.Read More
Individual Fixed Deposit
Deposit Type
Interest Rate (Per Annum)
3 months
6.75%
6 Months
7.00%
9 Months
7.25%
1 Year to below 2 Years
7.75%
Above 2 years
8.25%
Institutional Fixed Deposit
Deposit Type
Interest Rate (Per Annum)
6 Months
6.00%
9 Months
6.25%
1 Year to below 2 Years
6.75%
Above 2 years
7.25%
Akshayakosh
Negotiable
Remittance Deposit
Additional 1% on Individual Fixed & Saving
Fixed Deposit
Pokhara Finance Limited
Bankrate Nepal Review
2.5
Interest Rate(P.A)As of February 6
6.50%4.75%4.00%3.30%3.20%3.10%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year9 months6 months3 months
About Pokhara Finance
Pokhara Finance Limited, licensed financial institution by Nepal Rastra Bank (Central Bank of Nepal), was established in 1997 AD (2053 B.S.) Currently, the company has an Authorized Capital of NPR 1.5 billion, Issued Capital of NPR 1.08 billion and Paid Up Capital of NPR 1.08 billion. Its Head Office is situated at Newroad, Pokhara-9, Kaski . The company has an ownership of 51% with 49% shares owned by the general public. The company is amongst the oldest finance companies currently operating in Nepal.Read More
Fixed Deposits
A Fixed Deposit account is an interest bearing account, where a fixed amount is held at fixed interest rate and is repayable (principal/interest) at a fixed future date as agreed at the time of placement of the deposits.
Features & Benefits
Fixed Deposits can be opened only by account holders.
Normally interest rate in Fixed Deposits is higher than interest rate in Savings Account.
Minimum amount to open Fixed Deposit is currently fixed at NPR 10,000/-.
Interest in Fixed Deposit is paid as per customer’s request (quarterly/annually).
An investment alternative, which is safe and allows funds to be placed for a fixed period with interest rate guaranteed for that period.
Facility of automatic renewal/disposal of principal & interest as per the instruction of the customer.
Samriddhi Finance Company Limited (SFCL) was established as the 49th financial institution of the country in 2057 BS. It is public limited company incorporated under company act 2063, and licensed by Nepal Rastra Bank to conduct the banking transactions as C class financial Institution under the Bank and Financial Institution Act 2073 (BAFIA 2073). It is one of the National level Finance Companies, having its Head Office in Hetauda, Makawanpur. The company was promoted by reputed businessmen, industrialists and professionals with high experience and qualifications in their respective fields. Read More
Fixed Deposit
Samriddhi Fixed Deposit Double Scheme:
In this competitive market to be visible and to attract customers we have design a single product with maximum benefit and retention from market. This product is fixed deposit in nature. The target customer for this product is to attract Senior Citizen, Retired Employee, person interested in long term investment, parents who want to create fund on behalf of their children for future education etc.
Features and Criteria
Product Name: SFCL DOUBLE DEPOSIT
Minimum Balance: RS 50,000.00
Maturity Period: 7 years 4 months 26 days
Interest Rate: As Published by Management From time to time
SMS Banking: Free
ABBS: Free ABBS Charge
Balance Certificate: 50% discount on issue of balance certificate
Interest calculation: Interest calculation on daily basis and posting in Monthly.
Withdrawal: No withdrawal is allowed from this account till the maturity period.
Nature of Deposit: Fixed Deposit.
Loan facility: Up to 90% of deposit balance and the loan amount shall not be less than Rs 50,000.00.
Income Tax: Tax on interest shall be levied as per prevailing Income Tax Act at the time of posting of interest.
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.
