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
Citizens Bank International Limited
Bankrate Nepal Review
3.5
Interest Rate(P.A)As of August 25
5.50%4.50%4.00%3.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months3 months
About Citizens Bank International
Citizens Bank International Limited has been established as a reliable and trustworthy partner for all financial solutions. Institutionalized by a highly professional and experienced team, we have gained credibility in the banking sector through quality financial service.
History
Established on April 20, 2007 (2064/01/07) as 20th commercial bank of the nation, “Citizens Bank International Limited”, has its corporate office at the heart of the financial sector of the country, Narayanhiti Path, Kathmandu. It is promoted by eminent personalities, business and industrial houses and reputed individuals having high social standing and has been managed by a team of experienced bankers and professionals. There are 197 branches and 162 ATMs all over the country. The bank has 3 extension counter and 97 branchless banking all over the country.Read More
Fixed Deposit
A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.
Here’s what we offer
Requirements:
Citizenship Certificate and or any valid identification card issued by Nepal Govt.
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.
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 August 25
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
Nepal Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
5.40%4.50%3.75%
Minimum Balance
Rs. 0Rs. 5Rs. 0
Tenure
5.08 years2.08 years2 years
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
Sample of Company Seal
Name of the Directors of the Board
Partnership Account:
Certificate of Partnership Registration
Copy of Partnership deed, if any
Proprietorship Account:
Registration Certificate
Identification of Proprietors
Fixed Deposit
Prabhu Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
5.35%4.25%4.00%3.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
10.08 years5.08 years2.08 years6 months
About Prabhu Bank
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
Laxmi Sunrise Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
5.25%4.50%4.25%4.00%4.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5 years2 years1 year3 months6 months
About Laxmi Sunrise
On July 14, 2023, a new era in banking began with the birth of Laxmi Sunrise Bank, emerging from the merger of two established Nepali banks – Laxmi Bank, established in 2002, and Sunrise Bank, established in 2007. As a category “KA” financial institution licensed by the Nepal Rastra Bank and registered under the BAFIA, Laxmi Sunrise is committed to delivering unparalleled financial services to our valued customers. Welcome to Laxmi Sunrise, where the future of banking meets a rich legacy of trust and excellence.
Join us at Laxmi Sunrise, where we reimagine banking together with you on the path to your goals.Read More
Fixed Deposit
Our Fixed/Term Deposit lets you invest your money with the certainty of a fixed interest rate and a choice of terms. Anyone looking for a low- risk investment with a predefined investment goal, our fixed rate deposit will guarantee a higher return on your money when compared to your traditional savings or transaction account.
No set-up, monthly service or management fees
Minimum Deposit Amount NPR 100,000 – NPR 50,000 for Rural Municipal branches
Choose your fixed term from 3 months to 5 years
Interest payable at maturity or quarterly, depending on term
Loan against your Term Deposit available up to 90%
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
Nepal SBI Bank Ltd. (NSBL) is a subsidiary of State Bank of India (SBI) having 55 percent of ownership. The local partner viz. Employee Provident Fund holds 15% equity and General Public 30%. In terms of the Technical Services Agreement between SBI and the NSBL, the former provides management support to the bank through its expatriate officers including Managing Director who is also the CEO of the Bank. Central Management Committee (CENMAC), consisting of the Managing Director & CEO, Dy. CEO & Chief Financial Officer, Chief Operating Officer and two Vertical Heads as decided by Managing Director of the Bank, exercises overall control functions with the help of controlling offices, and oversee the overall operations of the Bank.Read More
101 DAYS FIXED DEPOSIT
Features:
Minimum Balance: Rs 1,00,000.00/-
Eligibility: Individuals and institutions
Single/Joint Accounts
Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.
201 DAYS FIXED DEPOSIT
Features:
Minimum Balance: Rs 1,00,000.00/-
Eligibility: Individuals and institutions
Single/Joint Accounts
Prematurity of FD: allowed, will be governed as per applicable policy of prematurity payment of fixed deposit of the bank.
Fixed Deposit
Krishi Bikash Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of August 25
5.20%4.00%3.50%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year3 months
About Krishi Bikash Bank
With the main objective of providing institutional credit for enhancing the production and productivity of the agricultural sector in the country, the Agricultural Development Bank, Nepal was established in 1968 under the ADBN Act 1967, as successor to the cooperative Bank. The Land Reform Savings Corporation was merged with ADBN in 1973. Subsequent amendments to the Act empowered the bank to extend credit to small farmers under group liability and expand the scope of financing to promote cottage industries. The amendments also permitted the bank to engage in commercial banking activities for the mobilization of domestic resources.Read More
Fixed Deposit
An individual customer can be opened or renewed FD with a minimum Balance of NRs. 10,000. Penal interest is levied on withdrawal of fixed deposit prior to maturity. Interest is payable Quarterly.
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.
