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.
For the exact Interesect you can check on the following links:
Fixed Deposit
Global IME Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
6.00%5.75%5.00%4.00%3.75%
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 Deposit
Goodwill Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of August 25
6.00%5.75%5.40%5.25%5.00%
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.
Himalayan Bank Limited, established in 1993 as a Joint Venture of Habib Bank Limited of Pakistan has been successfully reigning the banking industry since its inception. Read More
Features
Deposit of funds for a fixed period of time ranging from 3 months and above
Minimum balance of Rs 10,000 only
Benefits
Interest calculated on daily outstanding balance and credited on quarterly or semi annually basis
Loan against FD up to 90% of FD value can be availed at any time
Deposit Guarantee of up to Rs. 500,000/- in line with regulatory requirement of Nepal Rastra Bank
*Conditions Apply
Fixed Deposit
Machhapuchhre Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
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
Fixed Deposit
NMB Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
6.00%5.25%4.75%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.
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
Shangrila Development Bank Limited
Bankrate Nepal Review
2.5
Interest Rate(P.A)As of August 25
6.00%3.75%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
5.08 years1 year3 months
About Shangrila Development Bank
Growing Stronger With Time Excelling in banking Service
Shangri-la Development Bank, one of Nepal’s largest national-level development banks, completes 19 glorious years. Established in 2061 B.S, the bank has always been on the top list when it comes to fulfilling the financial requirements of people
The bank’s board members include eminent individuals with years of experience and expertise in the banking and financial sectors.Read More
Fixed Deposit
Fixed Deposit Account are high interest bearing accounts 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 you desire to make deposit for longer duration of time.
At maturity automatic renewal of Fixed Deposit is made as per the instruction of the customers.
Eligibility
All Nepalese Individual
Firms/ Companies / Organization both profit making and non-profit making which are registered as per laws of Nepal .( NOT for BFIs)
Fixed Deposit
Gurkhas Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of August 25
5.85%5.40%5.27%5.18%4.95%4.73%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2 years1 year9 months6 months3 months
About Gurkhas Finance
Gurkhas Finance Limited, one of the leading finance in Nepalese Banking Industry has observed a good share of growth through organic business. The finance has completed 27 years of journey since its inception. The Finance has 26 branches, 1 extension counters and 6 ATMs across the country making it one of the leading finance of Nepal in terms of geographical reach and clientele segments with customer base more than 90,000. As one of the leading finance, the Finance will be there where growth is, connecting customers to the opportunities, enabling business to thrive and economies to prosper and ultimately helping people to fulfill their hopes and realize their ambitions. The Finance offers full range of banking facilities & services for personal, entities including corporate customers, backed by team of highly motivated, young and dynamic professionals.Read More
Individual Fixed Deposit
A fixed deposit is an account that provides a higher interest rate than other account products of the bank. Any individual can open a fixed deposit. A fixed deposit opened by any individual person is an individual fixed deposit. Fixed deposit is open for the specific period of time (like 3 months, 6 months, 9 months, 1 year, etc.)
Institutional Fixed Deposit
A fixed deposit is an account that provides a higher interest rate than other account products of the bank. Any firms, institutions can open a fixed deposit. A fixed deposit opened by any firm, institutions, and companies is an institutional fixed deposit. Fixed deposit is open for the specific period of time (like 3 months, 6 Months, 9 months, 1 year, etc.)
Fixed Deposit
Everest Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
5.75%4.25%4.00%3.75%3.25%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years1 year6 months3 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.
Sanima Bank is promoted by a group of prominent and dynamic Non-Resident Nepalese (NRNs) business persons. The bank initially commenced operations from 2004 as a National Level Development Bank. Since February 2012, Sanima Bank has been functioning as an “A” Class Commercial Bank with its registered office at ‘Alakapuri’, Naxal, Kathmandu.
Sanima Bank is committed to provide a broad spectrum of financial solutions to our valued customers and to achieve a healthy growth in profitability in commensurate to the Bank’s risk appetite. Sanima Bank is dedicated towards maintaining the highest level of ethical standards, professional integrity, good corporate governance and regulatory compliance. Consequently, Sanima Bank is perceived as a strong, reliable and consistent pillar in the Nepalese banking industry. At Sanima, we are committed for the better customer service in all areas of business through continuous improvement.
Sanima Bank offers a wide range of banking products and financial services to corporate and retail customers through its 105 full-fledged branches and 28 extension counters from all 7 provinces.Read More
FIXED DEPOSIT
Sanima Fixed Deposit provides attractive interest return while ensuring safety & security of customer’s deposit.
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.
