Best Fixed Deposit Interest Rate in Nepal 2025

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.

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.

FDs are considered ideal for:

  • Individuals looking for safe returns
  • Families planning long-term savings
  • NRNs (Non-Resident Nepalis) sending remittance funds
  • Businesses seeking secure deposits

For the exact Interesect you can check on the following links:

Fixed Deposit

Pokhara Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2.5
Interest Rate(P.A) As of August 25
8.50%
Minimum Balance
Rs. 0
Tenure
3 years
Fixed Deposit

Salapa Development Bank

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of August 25
8.00%
Minimum Balance
Rs. 0
Tenure
2 years
Fixed Deposit

Guheswori Merchant Banking & Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2
Interest Rate(P.A) As of August 25
7.75%
Minimum Balance
Rs. 0
Tenure
5 years
Fixed Deposit

Nepal Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2
Interest Rate(P.A) As of August 25
7.75%
Minimum Balance
Rs. 0
Tenure
2.08 years
Fixed Deposit

Reliance Finance Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2.5
Interest Rate(P.A) As of August 25
7.75%
Minimum Balance
Rs. 0
Tenure
3.08 years
Fixed Deposit

Sambriddhi Finance Company Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2.5
Interest Rate(P.A) As of August 25
7.75%
Minimum Balance
Rs. 0
Tenure
5.08 years
Fixed Deposit

Saptakoshi Bikash Bank

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
N.A
Interest Rate(P.A) As of August 25
7.75%
Minimum Balance
Rs. 0
Tenure
3 years
Fixed Deposit

Best Finance Company Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2
Interest Rate(P.A) As of August 25
7.50%
Minimum Balance
Rs. 0
Tenure
3.08 years
Fixed Deposit

Karnali Development Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
1.5
Interest Rate(P.A) As of August 25
7.00%
Minimum Balance
Rs. 0
Tenure
6 months
Fixed Deposit

Corporate Development Bank Limited

Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
2
Interest Rate(P.A) As of August 25
7.25%
Minimum Balance
Rs. 0
Tenure
2.08 years

Why fixed deposits are 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 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.

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