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
Progressive Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
6.25%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 Progressive Finance
Progressive Finance Limited is a Public Limited Company registered on 14th Ashwin, 2051 under the Company Act, 2021 BS. We are a C-class licensed financial institution under Nepal Rastra Bank 2062 31’1’ Act. Located at the heart of Kathmandu – Pako, Newroad, we started our operations from 14th Falgun 2052 BS. Our name was changed to Progressive Finance Limited from Merchant Finance Limited in 2067 upon the approval of company’s Annual General Meeting, Nepal Rastra Bank and Company Registrar’s office.Read More
Fixed Deposit
A fixed deposit (FD) is a financial instrument provided by banks or NBFCs which provides investors a higher rate of interest than a regular savings account, until the given maturity date.
A single deposit, invested for a fixed period, at a guaranteed, fixed rate of interest. Our Fixed Deposit account offers a range of investment periods and guaranteed interest rates to suit your exact needs. Whether short or long term, for 3 months or more than 2 years, we will provide you with the reasonable interest rates throughout the agreed investment period.
A fixed deposit is a good choice to save for wealth creation, retirement and education.
Fixed Deposit
Excel Developemnt Bank Limited
Bankrate Nepal Review
3
Interest Rate(P.A)As of February 6
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
Jyoti Bikash Bank Limited is a national level development bank engaged in commercial banking activity with category “Kha” license from Nepal Rastra Bank.The Bank started its operation from 9th Shrawan 2065. Established by a core group of promoters coming from the employees of Nepal Electricity authority among other businessmen, professionals and common citizens, the bank had an original focused vision of promoting hydropower sector through lending credit facilities to potential hydro projects. Continuously assessing the needs of the common citizens and economy of the country on the whole, the Bank has by now established itself as a financial institution catering to a large segment of the society with the cause of the citizens’ needs at the centre. Read More
Fixed Deposit
Put your idle money in fixed deposit and earn attractive returns. Open fixed deposit account with Jyoti Bikash Bank today and earn attractive interest.
Products
Type
Existing Rate
Interest Payment Mode
3 months
Individual
4.50%
Quarterly Payment
6 Months to below 1 Year
Individual
5.00%
Quarterly Payment
Institutions and Others
3.00%
1 Year to 3 Years
Individual
5.50%
Quarterly Payment
Institutions and Others
3.50%
Above 3 Years
Individual
7.00%
Quarterly Payment
Institutions and Others
5.00%
Call Deposit
Up to 1.5%
Jyoti Dui Guna Scheme
Jyoti Dui Guna Scheme is designed for you to double your initial investment after certain period of time. Through this scheme, you can sit back and double your initial investment which will meet your future cash flow.
It’s a safe investment option and is not subject to market risks. Further, you can plan your future cash flows through today’s investment.
Product Name
Tenure
Interest Rate
Jyoti Dui Guna(Individual)
13 Years 11 Months
5.00%
Fixed Deposit
Miteri Development Bank Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
6.00%5.25%4.75%4.25%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year3 months
About Miteri Development Bank
Miteri Development Bank Limited is registered at “Company Register Office” under Company act 2063 and is licensed by Nepal Rastra Bank under banking and financial act 2063 as ‘B’ class bikas bank. The bank is promoted by a group of experienced and highly motivated individuals from all groups. The promoters include; Bissenessman, professional bankers, Doctors, Entrepreneurs, Educationalists and Technocrats. Besides, more number of promoters includes from Dharan muncipality. Read More
Nature of Deposit
Interest Rate
Individual Fixed Deposit
3 Month
5.75%
6 Month to 9 Month
6.00%
1 Year to 2 Years
7.00%
More than 2 Years
7.50%
Corporate Fixed Deposit
6 Month to 9 Month
5.00%
1 Year to 2 Years
6.00%
More than 2 Years
6.50%
Fixed Deposit
Multipurpose Finance Limited
Bankrate Nepal Review
1.5
Interest Rate(P.A)As of February 6
6.00%5.75%5.50%5.25%5.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year9 months6 months3 months
About Multipurpose Finance
Multipurpose Finance Limited (MPFL) is a province level class “C” finacial institution licenced by Nepal Rastra Bank and is established in the year 2054 B.S. Having six branches across the Madhesh Province including head quarter at Rajbiraj, Saptari and corporate office at Janakpurdham, Dhanusha. MPFL is recognized as one of the growing, efficient and professional financial institutions in Nepal. A core philosophy of the finance lies in nurturing relationships with customers and clients. Read More
Fixed Deposit
Features
S.N.
Description
Individual Int. Rate
Institutional Int. Rate
1
3 Months
8.00%
2
6 Months
8.10%
7.10%
3
9 Months
8.30%
7.30%
4
1 Year
8.50%
7.50%
5
2 Year & Above
8.75%
7.75%
Documents required
Duly filled fixed account opening form with signature
Citizenship of the account holder.
Fixed Deposit
Central Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
5.75%5.50%5.25%5.00%4.75%4.50%
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
Green Development Bank Limited
Bankrate Nepal Review
3
Interest Rate(P.A)As of February 6
5.75%4.00%3.50%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.
*At maturity of Fixed Deposit, renewal is made as per the instruction of the customers.
Fixed Deposit
Shree Investment & Finance Company Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
5.75%5.00%4.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months
About Shree Investment And Finance CO
Shree Investment & Finance Co Ltd.(SIFCO) was incorporated in the year 1994 (2051 BS) by a group of eminent businessmen from Kathmandu , as a Financial Services Company and a Merchant Bank under the Nepal Finance Company Act, 1985 and the Nepal Company Act, 1964. The Company has been licensed by the Nepal Rastra Bank as “C” class Financial Institution to undertake finance services and merchant banking activities in the country.Read More
Shree Investment & Finance came up with a new and advance outlook with the varities of innovative products and services. We also provide one window service to serve customer with quick and easy documentation in account opening and getting credits and other facilities in very competitive and negotiable rate and charges.
Fixed Deposit Schemes ( From 3 months to 5 years) Features:
Lucrative Interest Rates
Monthly/Quarterly Interest Payment
Flexibility in choosing Time Frame
Simplified Fixed Deposit Loan
Complimentary Saving Account
Interest Automatically Credited to Saving Deposit A/c
Fixed Deposit
Shine Resunga Development Bank Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
5.55%4.25%4.00%3.75%3.50%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years4 years3 years2 years1 year6 months
About Shine Resunga Development bank
Shine Development Bank Ltd. was established in Butwal-Rupandehi, western Nepal’s economic and industrial center, on Falgun 11, 2065 BS with service regions spanning three districts. After merging with Resunga Bikas Bank on 2069, Chaitra 4 from Gulmi Region, the development bank was renamed Shine Resunga Development Bank Ltd., and its service territories were expanded to ten districts. The development bank was further merged with Gaumukhi Bikas Bank from Pyuthan district on Jestha 29, 2073 BS. With acquisition of Bhaargav Bikas Bank and Purnima Bikas Bank on 2076, Ashwin 27 the development bank was upgraded to a national level development bank on 2076 Mangshir 10. Headquartered in Butwal, Rupandehi district, the development bank prioritizes easy financial access for both urban and rural customers following all the directives issued by Nepal Rastra Bank and other prevailing laws and regulations. Read More
Fixed Deposit
Target Segment: As prescribed by Nepal Rastra Bank
Features :
Interest Calculation on
Daily Balance
Interest Payment Frequency
Quarterly
Loan Against FD
Base rate or coupon rate plus 2% whichever is higher
Fixed Deposit
Global IME Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
5.50%5.00%4.00%3.75%3.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year6 months3 months
About Global IME
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 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.
