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
Goodwill Finance Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
5.25%4.75%4.60%4.50%4.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year9 months3 months6 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
Nepal Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
5.10%3.85%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years1.08 years3 months
About Nepal Bank
Nepal Bank Limited (NBL) , the first bank of Nepal proudly holds the glory of marking the formal beginning of banking system in Nepal. Nepal Bank Limited was established as FIRST bank of Nepal on Kartik 30, 1994 (November 15, 1937 A.D.) under Nepal Bank Act 1937. The bank was established with an authorized capital of Rs.10 million, issued capital of Rs.2.5 million and paid up capital of Rs.0.842 million. The share held by government and private sector was 60% and 40% respectively. Read More
Fixed Deposit
Features
Fixed Deposit can be opened with a minimum balance of NRs.
Payable upon maturity
Penal interest is levied on withdrawal of FD prior to maturity.
Interest is payable Quarterly.
Tax is deducted at source from the interest on saving deposit as per the Income Tax Act, 2058(2001).
Nomination facility is available.
Strict confidentiality is assured.
* The Interest Rates are subject to change as per the market condition.
Eligibility:
Individuals.
Minors.
Trusts.
Associations.
Clubs.
Societies.
Documents :
The copy of the following certified documents has to be submitted while requesting for opening of Account
Personal Account :
Identification Card in the form of Citizenship
Certificate/Passport/Other ID/PAN Card
Minors:
Guardianship to be verified with related documents
Nominees form:
Photograph of the nominee
Signature of the nominee
Clubs/Societies and Association:
Copy of Registration Certificate
Copy of Bye-Laws
Copy of Resolution to Open and Operate the account
List of members
Corporate body:
Certificate of Incorporation
Memorandum and Article of Association of the Company
Resolution of Board of Directors to Open and Operate 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
Nepal Investment Mega Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
5.00%4.50%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2.08 years1.08 years7 months3 months
About Nepal Investment Mega Bank
Nepal Investment Bank Limited (NIBL), established in 1986 as a joint venture between Nepalese and French partners was initially named Nepal Indosuez Bank Ltd. The French partner holding 50% of the capital of Nepal Indosuez Bank Ltd. was Credit Agricole Indosuez, a subsidiary of one of the largest banking group in the world.Read More
Fixed Deposit
NIMB Normal Fixed Deposit is a deposit account encouraging customers to save their funds for the uncertainties of the future. Customers earn interest higher than savings account, therefore, results in more gain of funds after a certain time period.
Features
Account deposit available for more than three months duration
Loan facility up to 90% against Normal Fixed Deposit
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 February 6
5.00%4.25%4.00%3.25%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years2 years1.50 years1 year3 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.
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.
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.
The Bank has gone through the various phases of its growth trajectory over a short period of its existence. Growth of Prabhu Bank was phenomenal, especially after merger of Grand Bank Nepal Limited, Kist Bank Ltd, Prabhu Bikash Bank Ltd, Gaurishankar Development Bank Ltd and Zenith Finance Ltd in, 2016, attaining the status of “A” class financial institution licensed and regulated by the central bank of Nepal, Nepal Rastra Bank.
The Bank has completed years of journey since the inception and has accommodated seven different financial institutions in its making.Read More
Fixed Accounts
Special Feature
Minimum Amount for FD – NPR 5,000
Competitive Interest Rate
Tenure – 3 months and above
Eligibility
All Individuals
Required Documents
Duly filled Account Opening Application
Copy of valid ID card (Citizenship/Driving License/Voter ID etc)
Recent Passport size photograph
Address certification documents – if applicable
Fixed Deposit
Sanima Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.55%3.50%3.00%2.80%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years1.08 years3 months
About Sanima Bank
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 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.
