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
Siddhartha Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.55%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 Deposit
Citizens Bank International Limited
Bankrate Nepal Review
3.5
Interest Rate(P.A)As of February 6
4.50%3.50%3.00%2.85%
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.
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
Laxmi Sunrise Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.50%4.00%3.50%3.00%3.00%
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%
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
Everest Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.40%3.75%2.85%
Minimum Balance
Rs. 0Rs. 0Rs. 0
Tenure
5.08 years2.08 years3 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.
Fixed Deposit
Krishi Bikash Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.40%3.00%2.85%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
4 years3 years2 years3 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 Deposit
Nepal SBI Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.40%3.75%3.40%3.25%2.85%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
3 years2 years1 year6 months3 months
About Nepal SBI Bank
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
Prime Commercial Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.40%3.50%3.25%3.00%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months3 months
About Prime Bank
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
Standard Chartered Bank Nepal Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.36%2.85%2.80%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
5.08 years3 years1 year3 months
About Standard Chartered Bank
Standard Chartered Bank Nepal Limited has been in operation in Nepal since 1987 when it was initially registered as a joint-venture operation. Today, the Bank is an integral part of Standard Chartered Group having an ownership of 70.21% in the company with 29.79% shares owned by the Nepalese public. The Bank enjoys the status of the only international bank currently operating in Nepal. It is also the only Bank in Nepal accredited with ICRANP-IR AAA rating by ICRA Nepal as the safest bank regarding timely servicing of financial obligations.
Globally, we are a leading international banking group with a 160-year history in some of the world’s most dynamic markets. Our heritage and values are expressed in our brand promise, Here for good. Our operations reflect our Purpose, which is to drive commerce and prosperity through our unique diversity. With 85,000 employees, we are present in 59 markets and are listed on the London and Hong Kong Stock Exchanges. There are 124 nationalities, and 100 ethnicities present in our workforce and 174 languages / dialects spoken by our colleagues across the Bank.Read More
Fixed Deposit
Benefits
fixed deposit auto renewed and/ or uplifted
access to your account through Online Banking and SC Mobile App
and guaranteed interest on your savings
Features
Do all your banking transactions online form home, office, or on the move. Simply log in!.
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.
