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.
For the exact Interesect you can check on the following links:
Fixed Deposit
Machhapuchhre Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
6.00%5.00%3.75%3.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years1 year6 months3 months
About Machhapuchhre Bank
Machhapuchchhre Bank Limited was registered in 1998 as the first regional commercial bank from the western region of Nepal and started its banking operations from Pokhara since year 2000.
The Bank facilitates it’s customers’ need by delivering the best of services in combination with the latest state of the art technologies and prudent international practices.The bank provides modern banking facilities such as Any Branch Banking, Internet Banking, Mobile Banking, Safe Deposit Locker facilities, Utility Bill payment (Telephone & Mobile), ATM (VISA Debit Cards) to its valued customers. Besides these, the Bank is providing 365 Days Banking and Evening Counter services to the customers through many of its offices. Read More
MBL Fixed Deposit Account
MBL Fixed Deposit Account is a financial instrument provided by MBL to its valued customer which provides investors with higher rate of interest than a regular saving account.
Features :
Tenure: 3 months and above
Interest payment frequency: quarterly as agreed at the time of deposit.
Minimum amount : NPR 50,000/-
Fixed Deposits can be opened directly from MBL M-Smart App, Internet Banking and website in real time.
Up to 90% of the Fixed Deposit amount can be taken as Loan
Non-Resident Nepalese as well as Foreign Institutions can open Fixed Deposit in Foreign Currency (USD, Euro, GBP) for a tenure of 2 years and above.
Documents Required :
Duly filled Fixed Deposit Account opening form of MBL
NIC ASIA Bank has its antecedents in NIC Bank which was established on 21st July 1998. The Bank was rechristened as NIC ASIA Bank after the merger of NIC Bank with Bank of Asia Nepal on 30th June 2013. This was a historic merger in the annals of the Nepalese financial landscape as the first of its kind merger between two successful commercial banks in the country.
Today, NIC ASIA has established itself as one of the most successful commercial banks in Nepal. Read More
Fixed Deposit Account
Sarbashrestha Muddati Khata-General is a premium Fixed Deposit account designed for individual and institutional users with unique advantages beyond appealing interest rates.
Interest Rate
5.90%
Minimum Balance
Rs 10,000
Product Features & Benefits
Flexible tenure systems (Our Fixed Deposit can be opened for periods ranging from 3 months to 15 years).
*Terms and Conditions may apply.
Customer Segment
General
Tenure
3 months to 15 years
Fixed Deposit
NMB Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
6.00%5.25%5.00%4.00%3.00%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years2 years1.50 years1 year7 months3 months
Introduction
NMB Bank Limited licensed as “A” class financial institution by Nepal Rastra Bank in May 2008 has been operating in the Nepalese Financial market for over twenty years and is one of the leading commercial banks in the banking industry.Read More
“NMB Bank was awarded ‘Bank of the Year 2017’, ‘Bank of the Year 2018’, ‘Bank of the Year 2020’, and ‘Bank of the Year 2021’. In the same year, for the first time in the history of Nepal, the bank was awarded the title of ‘Bank of the Year 2021 Asia’ by The Banker, Financial Times, London.”
Fixed Deposit
NMB Janmabhumi Muddati Khata is a fixed deposit product that offers individual under foreign employment status with 2% additional interest rate on deposit fund received from foreign employment. Under this product customers shall be given an opportunity to obtain highest interest rate on various tenure of individual fixed deposit on their remittance funds received on their account from abroad.
Eligibility
All Nepalese Individuals that have been employed abroad and sending money to Nepal.
One house family members of remitters receiving remittance in Nepal.
Documentation
Receipt of the remittance amount (International Remittance only) of fund received from foreign employment.
SWIFT document/ proof
Any other document which verifies that the amount has been received through remittance channels from foreign employment.
Note: As per Bank laid down procedures and norms.
Features
Interest Rates : Click here to check the interest rates.
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
Jyoti Bikash Bank LImited
Bankrate Nepal Review
2.5
Interest Rate(P.A)As of October 27
5.90%4.50%4.00%3.50%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years1.08 years1 year6 months3 months
About Jyoti Bikash Bank
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.
Focused on You: Bespoke Banking for all at Muktinath Bikas Bank
When you join Muktinath, you are not just an account number or staff member. You are our valuable member.
With over 18 years of history and more than NPR 131 billion ($986 million) in Balance Sheet size 179 branch outlets and making banking simpler for our 1,400,000+ happy customers nationwide.Read More
Fixed Deposit
Facilities
FIXED DEPOSIT (Effective from 2081/05/01)
Product
Interest Rate(Per Annum)
Payment Frequency
Minimum Balance
1. Individual Fixed Deposit Product
6 Months
5.10%
Quarterly Basis
9 Months to below 1 Year
5.20%
Quarterly Basis
1 Year to 2 Years
6.05%
Quarterly Basis
Above 2 Years to 10 Years
6.75%
Quarterly Basis
Muktinath Remittance Fixed Deposit(Up to 2 Yrs Only)
+1% as per the tenure
Quarterly Basis
Rs. 5,000
Recurring Deposit(Upto 5 Years only)
6.75%
Quarterly Basis
Min. Rs. 500 to Max. Rs.20,000
Muktinath Pension Scheme
6.75%
Quarterly Basis
Rs 50
2. Institutional Fixed Deposit Product
6 Months
4.10%
Quarterly
9 Months to below 1 Year
4.25%
Quarterly
1 Year to 2 Years
5.50%
Quarterly
Above 2 Years to 10 Years
5.75%
Quarterly
3. Akshaya Kosh
Negotiable
Monthly/Quarterly
Rs. 5,000
Note:
1. Monthly interest on fixed deposit shall be paid as per the banks’ decision.
2. The interest rate on account opened for USD pre-paid card shall be zero percentage.
Fixed Deposit
Nabil Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.50%5.25%5.00%4.77%4.77%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years1.08 years3 months1 year
About Nabil Bank
Established in 1984 AD, Nabil Bank has carved a cornerstone in the development of the financial services industry in Nepal. The Bank has always stayed true to its three strong pillars: Service Excellence, Technology, and Product innovation. This has led to the start of customer-centric banking culture with the development of innovative services and products, enriching customers’ livelihoods and setting benchmarks in the Domestic Banking Sector.Read More
Fixed Deposit
A great way to grow your savings with utmost safety. This scheme provides the simplified and hassle free process to manage your deposit with high returns.
Prime Commercial Bank Ltd. was incorporated in September 2007 as the 21st commercial bank in Nepal. We are a Category ‘A’ Financial Institution registered under the “Banks and Financial Institutions Act” of Nepal. It has been established by prominent business personnel and professionals from diversified areas with a prime objective of providing ‘Banking Services to Everyone’ in the country where still large number of population are deprived of Banking Services.Read More
Prime Online Individual Fixed Deposit – One Year
Prime Online Individual Fixed Deposit provides a competitive and a fixed rate of interest for a fixed period of time.
Eligibility : All Individuals maintaining saving / current account with Prime Commercial Bank Ltd
Interest Rate : Refer to the periodically published interest rate of the bank
Interest Posting : Quarterly
Tenure : 1 Year
Tenure
Interest Rate
1 Year
Refer Rate of Interest Published
Fixed Deposit
Rastriya Banijya Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.50%4.50%3.77%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year3 months
About Rastriya Banijya Bank
Rastriya Banijya Bank Limited (RBBL) has a history of serving its customers far and wide across the nation for more than half a century. The bank then fully owned by Government of Nepal, was established on 10 Magh 2022 (23 January 1966) under the special statute “Rastriya Banijya Bank Act, 2021” and had operated under “Commercial Bank Act,2031” until it was re-registered as public limited company on 6 Baishak 2063 (19 May 2006). At present, the Bank operates as “A” class financial institution licensed by Nepal Rastra Bank and carries out commercial banking activities as per the provisions of the “Bank and Financial institutions Act 2073,” (2017).Read More
Fixed Deposit
enure ranging from seven days to over two years, Fixed/Call deposit at Rastriya Banijya Bank allows you to diversify your portfolio to best suit your investment plan.
Features
. Attractive Interest Rate . Wide Options of Tenure . Convenient Account Opening . Auto Renewal Possible . Loan Facility upto 90% of Deposit Amount . Free Chequebook
Documentation
. Completed Account Opening Form . Evidence of Identification of Account Operator (Citizenship/Passport/Driving License/Voter’s ID) . Power of Attorney (If the account operator is other than the accountholder/applicant) . Two Recent Passport Size Photographs of Applicant/Account Operator . Introduction by an Accountholder of Rastriya Banijya Bank.
Fixed Deposit
Siddhartha Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.50%4.50%3.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
2.08 years1 year3 months
About Siddhartha Bank
IDDHARTHA BANK – Relationship Forever, Established in the year 2002, Siddhartha Bank Limited (SBL) is recognized as one of the most efficient and professional banks in Nepal. A core philosophy of the bank lies in nurturing relationships with customers and clients.Read More
Fixed Deposit
“Save your earning and earn from your saving…with Siddhartha Muddati Khata”
Siddhartha Muddati Khata is a fixed deposit account for both individual and organizational customers falling under the category of non-institutional customers as defined by Nepal Rastra Bank.
It offers an attractive interest per annum, thus, providing comparatively higher returns on your deposits.
Features
Minimum balance: Rs. 100,000
Tenure: As per mutual understanding
Attractive Interest Rate (Interest Rates)
Interest posting on quarterly basis; interest calculation on daily balance
Eligibility
Individuals: Any Nepalese citizen with a valid identification document
Organizations: Organizations falling under the category of non-institutional customers as defined by Nepal Rastra Bank.
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.
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.
