Fixed Deposit interest rate in Nepal (Updated 2026) Most commercial banks currently offer FD interest rates ranging approximately from 2.8% to 5.8% p.a. for individual customers, depending on tenure. Short-term FDs (3–6 months) start around 2.8%–3.3%, 1–2 year FDs around 3.5%–4.5%, and longer and higher FDs (above 5 years) may go up to ~5.8% or more at select banks. Rates depend upon tenure, and deposit type, and are subject to change.
Fixed deposits (FDs) remain one of the most reliable and secure investment options in Nepal. Banks and financial institutions revise FD interest rates regularly, depending on market conditions and Nepal Rastra Bank (NRB) guidelines.
Here, you can explore the best updated fixed deposit interest rate in Nepal for 2026, with comparisons across commercial banks, development banks, and finance companies.
For the exact Intersection you can check on the following links:
Fixed Deposit
Rastriya Banijya Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 10
5.00%4.50%4.00%3.50%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3.08 years2 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.
Reliance Finance Limited, a “C” class financial institution, incorporated in the year 2066 B.S and licensed by Nepal Rastra Bank to undertake financial services, has established itself as one of the leading finance company of Nepal.
Promoted by a team of business personalities with a strong track record in diverse lines of business and led by a team of highly professional and seasoned individuals from the banking and financial sector, Reliance Finance has undoubtedly established itself as a trusted financial partner. The trust and confidence of our valued customer over the past decade has set the pace for scaling new heights in the financial sector. Led by the vision of the board members and inspired by the trust of our customers, Reliance Finance has been providing a wide range of financial services through its 21 branches all across the nation. Read More
Fixed Deposit
Reliance Fixed Deposit Account offers attractive interest rate on Fixed Deposits of varied maturity depending on the maturity convenient to the depositors.
Individual Fixed Deposit (Effective From 2081-05-01)
Period
Month End/Quarter End/On Maturity
3 months
6.25%
6 months
6.75%
9 months
7.00%
12 months to 24 months
7.25%
Above 24 month to 36 months
7.50%
Above 36 months
8.50%
Reliance Remittance Fixed Deposit Account
1.0% higher than above mentioned rates for respective tenure
Salapa Bikas Bank Limited offers a variety of deposit products designed to help individuals grow their wealth and secure their financial future. Here’s an overview of their offerings:
Fixed Deposits (FDs):
1 year and above: 8.50% interest rate.
3 months to 6 months: 8.00% interest rate.
Recurring Deposits (RDs):
No minimum balance requirement, offering flexibility for regular investments.
Additional Features:
No set-up, monthly service, or management fees.
Minimum deposit amount of NPR 10,000.
Interest payable at maturity or quarterly.
Loan against your term deposit available up to 90%.
Rates & Fees:
Interest Rate Calculation: Calculated on a daily basis.
Interest Rate Posting: Posted on a quarterly basis.
For more information, visit Salapa Bikas Bank’s official website or check their emails for updates on interest rates, banking career opportunities, and other important notices.
Samriddhi Finance Company Limited (SFCL) was established as the 49th financial institution of the country in 2057 BS. It is public limited company incorporated under company act 2063, and licensed by Nepal Rastra Bank to conduct the banking transactions as C class financial Institution under the Bank and Financial Institution Act 2073 (BAFIA 2073). It is one of the National level Finance Companies, having its Head Office in Hetauda, Makawanpur. The company was promoted by reputed businessmen, industrialists and professionals with high experience and qualifications in their respective fields. Read More
Fixed Deposit
Samriddhi Fixed Deposit Double Scheme:
In this competitive market to be visible and to attract customers we have design a single product with maximum benefit and retention from market. This product is fixed deposit in nature. The target customer for this product is to attract Senior Citizen, Retired Employee, person interested in long term investment, parents who want to create fund on behalf of their children for future education etc.
Features and Criteria
Product Name: SFCL DOUBLE DEPOSIT
Minimum Balance: RS 50,000.00
Maturity Period: 7 years 4 months 26 days
Interest Rate: As Published by Management From time to time
SMS Banking: Free
ABBS: Free ABBS Charge
Balance Certificate: 50% discount on issue of balance certificate
Interest calculation: Interest calculation on daily basis and posting in Monthly.
Withdrawal: No withdrawal is allowed from this account till the maturity period.
Nature of Deposit: Fixed Deposit.
Loan facility: Up to 90% of deposit balance and the loan amount shall not be less than Rs 50,000.00.
Income Tax: Tax on interest shall be levied as per prevailing Income Tax Act at the time of posting of interest.
*Condition Apply
Fixed Deposit
Sanima Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 10
4.55%3.75%3.25%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.
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
Shine Resunga Development Bank Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of January 10
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
Shree Investment & Finance Company Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of January 10
6.00%5.25%4.75%
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
Siddhartha Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of January 10
5.00%3.50%3.00%
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 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 (FD) 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 multiple recent rate sources, typical FD returns currently range from ~2.8% to 5%+ per annum for individual Nepali investors, with some institutions offering higher on longer terms or special schemes.
Why are fixed deposits 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 between 3 months to 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. Many institutions fall within this mid-single-digit range for normal FDs, aligning with overall market trends
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.
