Fixed Deposit interest rate in Nepal (Updated 2026) Most commercial banks currently offer FD interest rates ranging approximately from 2.8% to 5.8% p.a. for individual customers, depending on tenure. Short-term FDs (3–6 months) start around 2.8%–3.3%, 1–2 year FDs around 3.5%–4.5%, and longer and higher FDs (above 5 years) may go up to ~5.8% or more at select banks. Rates depend upon tenure, and deposit type, and are subject to change.
Fixed deposits (FDs) remain one of the most reliable and secure investment options in Nepal. Banks and financial institutions revise FD interest rates regularly, depending on market conditions and Nepal Rastra Bank (NRB) guidelines.
Here, you can explore the best updated fixed deposit interest rate in Nepal for 2026, with comparisons across commercial banks, development banks, and finance companies.
For the exact Intersection you can check on the following links:
Best Finance Company Ltd. was established by a group of enthusiastic, entrepreneurs and dynamic Non-Resident Nepalese (NRNs) Businessmen. The Finance was incorporated under Company Act on 2052/03/08 and acquired license from Nepal Rastra Bank to perform financial transactions. The Finance started its formal operations on 2052/10/18 from Chabahil, Kathmandu. It has been promoted primarily to cater to the financial needs of Small and Medium enterprises. As per the decision of AGM of the institution and approval from Office of the Company Registrar on 2074/05/21 the name ‘General Finance Ltd’ was changed into ‘Best Finance Company Ltd’ and started its operations on 2074/06/24 with the name of Best Finance Company Ltd. Currently the finance has 18 branches. Read More
Fixed Deposit
Central Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of January 10
6.00%5.75%5.50%5.25%5.00%4.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year9 months6 months3 months
About Central Finance
Central Finance Limited completed 27 years of its glorious and successful years of operation as a national-level financial institution licensed by Nepal Rastra Bank on April 15, 2024. It is one of the prominent financial institutions among NRB-licensed C-category BFIs. Since its inception, it has been actively catering to the financial service needs of small, medium, and high-net-worth individuals, business enterprises, industries, and trading houses. It has been mobilizing financial resources through various accounts, depositing products and services, and facilitating financing needs from individuals to corporate entities.Read More
Fixed Deposit
With a fixed deposit, anyone can deposit a lump sum amount of money (one-time large deposit) in Central Finance for a predetermined amount of time at a predetermined rate of interest. The depositor then receives the amount invested plus compound interest at the end of the term. FDs sometimes go by the name term deposits.
A set rate of interest is guaranteed to investors who open a fixed deposit account. In exchange, the investor agrees not to withdraw or access their money for a predetermined amount of time, which may be anything until three months or up to 2 years or less.
Fixed Deposit
Citizens Bank International Limited
Bankrate Nepal Review
3.5
Interest Rate(P.A)As of January 10
4.75%3.50%3.00%2.85%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months3 months
About Citizens Bank International
Citizens Bank International Limited has been established as a reliable and trustworthy partner for all financial solutions. Institutionalized by a highly professional and experienced team, we have gained credibility in the banking sector through quality financial service.
History
Established on April 20, 2007 (2064/01/07) as 20th commercial bank of the nation, “Citizens Bank International Limited”, has its corporate office at the heart of the financial sector of the country, Narayanhiti Path, Kathmandu. It is promoted by eminent personalities, business and industrial houses and reputed individuals having high social standing and has been managed by a team of experienced bankers and professionals. There are 197 branches and 162 ATMs all over the country. The bank has 3 extension counter and 97 branchless banking all over the country.Read More
Fixed Deposit
A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.
Here’s what we offer
Requirements:
Citizenship Certificate and or any valid identification card issued by Nepal Govt.
The CDBL, a ‘B’ class licensed financial institution from Nepal Rastra Bank started its commercial operation from 07th November 2007 (21st of Kartik 2064) from Birgunj providing various financial services. Read More
Fixed Deposit
In order to facilitate long term depositors with higher returns CDBL has designed special High Yield Fixed Deposit. In this scheme one can participate with just Rs. 100,000.00 and can enjoyed interest up to 11.65% p.a.
Corporate 3 years recurring Account
This account is designed to them who wish to deposit funds continuously for 3 years. After Three years customer can get back the money together with interest calculated in quarterly basis. Interest is calculated even after maturity in this account too. In this scheme one can participate with just Rs. 1,000.00 and can enjoyed interest up to 8.0% p.a.
Corporate 5 years recurring Account
This account is designed to them who wish to deposit funds continuously for 5 years. After Five years customer can get back the money together with interest calculated in quarterly basis. Interest is calculated even after maturity in this account too. In this scheme one can participate with just Rs. 1,000.00 and can enjoyed interest up to 8.15% p.a.
Corporate Fifty Fixed
This account is desinged to them who wish to deposit funds for long period and get highly attractive interest rate. In this scheme, the minimum balance with Rs. 100,000.00 and can enjoyed interest @8.50% p.a. in quarterly basis.
Corporate Super Fixed Deposit
In order to facilitate long term depositors with higher returns CDBL has designed special Super Fixed Deposit. In this scheme one can participate with the minimum balance with Rs. 10,00,000.00 and can enjoyed interest @12.25% p.a
Fixed Deposit
Everest Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 10
4.75%3.75%2.85%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years3 months
About Everest Bank
atering to more than 14 lacs customers, Everest Bank Limited (EBL) is a name you can depend on for professionalized & efficient banking services. Founded in 1994, the Bank has been one of the leading banks of the country and has been catering its services to various segments of the society. With clients from all walks of life, the Bank has helped the nation to develop corporately, agriculturally & industrially.Read More
Fixed Deposit:
Auto Renewal Facility.
Loan available up to 90% of the deposited amount at 2% higher rate than the published Interest rate.
Premature Cancellation Facility. (Interest rate applicable on premature withdrawal/cancellation of Fixed deposit/ recurring Type Deposits shall be 3% less than the rate applicable for actual period for which deposit is held with the bank (at the time of issuance of FD or at the time of premature withdrawal; whichever is lower), 15 Days prior notice required.
Fixed Deposit
Excel Developemnt Bank Limited
Bankrate Nepal Review
3
Interest Rate(P.A)As of January 10
6.00%5.75%5.00%3.75%3.75%3.25%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years3 years1 year6 months9 months3 months
About Excel Development Bank
Development Banking Sector remained dominated by government owned bank for more than five decades. With the liberalization of economy private sector started to promote development banks obtaining license from Nepal Rastra Bank, the central Bank of Nepal. Excel Development Bank Limited is licensed by Nepal Rastra Bank under banking and financial Regulation Act 2061.The bank is promoted by a group of experienced and highly motivated individuals from all walks on life. The promoters include; professional bankers, Entrepreneurs, Educationalists and Technocrats. Read More
Fixed Deposit
Garima Bikash Bank Limited
Bankrate Nepal Review
3
Interest Rate(P.A)As of January 10
5.55%4.00%3.00%2.75%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years2 years1 year3 months6 months
About Garima Bikash Bank
Garima Bikas Bank Limited, a National Level Development Bank previously headquartered at Waling, Syangja, commenced its commercial operations on the 18th of Kartik, 2064 and the formal inauguration took place on the 7th of Marg, 2064. The bank, which initially started its banking transactions with a paid-up capital of only NPR 26.5 million, had covered three districts i.e Syangja, Palpa, and Kaski as a Regional Level Development Bank. On the 20th of Chaitra, 2068, its business coverage area was expanded to 10 districts. Read More
Fixed Deposit
Interest Rate: Equivalent to one year’s highest interest rate
Minimum Balance: 10,000
Interest Payment: Quarterly
Garima Fixed Deposit Account is high interest bearing account where customers make deposit for stipulated time duration. The duration of deposit may be as short as 3 months and as long as the customer desire to make deposit. The rate on the deposit is negotiable if customer desire to make deposit for longer duration of time. Garima Fixed deposit; account and watch customer money grow in a secured way. Fixed deposit schemes provide you greater earnings along with the benefit of credit facility up to 90% of Fixed Deposit to meet short term financial needs.
Eligibility:
All Nepalese Individual
Firms/Companies/ Profit Organization/ Non-Profit Organization not for BFI’s
For Individuals
Completed FD account opening form
Two Passport photograph (for new customer)
Valid means of identification; Citizenship ID or Passport
Birth Certificate or age verifying document in case of minor and copy of Citizenship of the Guardian
Nominee Citizenship copy & one Passport Size Photo (Nominee not mandatory)
For Firms/Companies/Organizations
Completed FD account opening form
Copy of the Firm / Company / Organization Registered and renewal of it if applicable
Copy of PAN certificate
Minute of Board in case of company
Copy of Citizenship individual / proprietor / Authorized directors of the Company
Pre Matured Fixed Deposit
In a situation when fixed deposit is not due for payment but client is requesting for payment he/she should be explained about loss of interest. Instead by liquidating fixed deposit he/she should be advised to avail advance/loan against the Fixed Deposit Receipt. Even if the customer does not agree the FDR can be liquidated after taking approval of operation in charge or branch manager with following actions:
The interest rate applicable will be normal saving account’s rate which is less than the closet prevailing rate for the completed period. The excess interest paid previously should be deducted from the principle amount against the following entry:
DR -> Depositor’s Account
CR -> Interest Expense on Fixed Deposit
In case of Garima Swastha Surakshit Nikchep Yojana, branch should inform Head Office for cancellation of insurance.
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.
Fixed Deposit
Goodwill Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of January 10
5.50%5.00%4.80%4.70%4.60%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year9 months6 months3 months
About Goodwill Finance
Goodwill Finance Limited is the leading provider of financial solutions with a unique mix of dedication and perfect execution. With the vision of providing the best financial services for success, Goodwill Finance Limited started its operation as financial institution under the license from Nepal Rastra Bank in 1995. It is a public limited company established under the Financial Company Act 2042, on 2051 BS.
The Authorized Capital of the company is Rupees 1,000,000,000/- and the Issued Capital is Rs. 946,115,200.00/-. 51 % of the Paid-Up Capital is held by the promoter and the remaining 49 % is held by the general public. The shares of the company are listed at Nepal Stock Exchange Limited (NEPSE). Read More
Fixed Deposit
You can deposit any amount of money in our Fixed Deposit for as long as you wish between 3 months to 6 years. The money placed on deposit earns a fixed rate of interest which is credited Quaterly, according to the terms and conditions that govern the account.
Salient Features
Minimum Balance is Rupees 10,000/- only.
Free Bank Statement on demand.
Other Benefits
Loan against Fixed Deposit (up to 90%)
Fixed Deposit
Green Development Bank Limited
Bankrate Nepal Review
3
Interest Rate(P.A)As of January 10
5.75%4.00%3.80%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months3 months
About Green Development Bank
GREEN DEVELOPMENT BANK LTD with the slogan “PARTNERING FOR PROSPERITY” is established under the Bank and Financial Institution Act, 2063 in Baglung Municipality of Baglung district as a 5 districts level development bank. The working area of the bank as per the guidelines of the Central Bank will be covering 5 districts (Baglung, Myagdi, Kaski, Tanahun and Nawalpur). It is the 1st local development bank of Baglung. Read More
Fixed Deposit Account is an interest bearing account, where a fixed amount is held at a 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 the interest rate on Fixed Deposits is higher than the interest rate on Savings Account.
The minimum amount open Fixed Deposit is currently fixed at NPR 10,000/-.
Interest in Fixed Deposit is paid as per customer’s request (Monthly/Quarterly/At Maturity).
An investment alternative, which is safe and allows funds to be placed for a fixed period with interest rate guaranteed for that period.
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 (FD) 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 multiple recent rate sources, typical FD returns currently range from ~2.8% to 5%+ per annum for individual Nepali investors, with some institutions offering higher on longer terms or special schemes.
Why are fixed deposits more applicable?
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 between 3 months to 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. Many institutions fall within this mid-single-digit range for normal FDs, aligning with overall market trends
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.
