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.
For the exact Interesect you can check on the following links:
Fixed Deposit
Krishi Bikash Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.05%3.85%3.35%2.85%
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 Deposit
Kumari Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of October 27
5.03%4.11%3.61%3.41%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year6 months3 months
About Kumari Bank
Kumari Bank Limited, came into existence as the fifteenth commercial banks of Nepal, starting its banking operations from Chaitra 21, 2057 B.S (April 03, 2001) with an objective of providing competitive modern banking services in the Nepalese financial market. The Bank has paid up capital of NPR 26.23 billion.
Kumari Bank Limited provides a wide-range of modern banking services through 409 points of representation located in various urban, semi-urban and rural parts of the country, with 302 branches, 50 extension counters and 57 Branchless Banking Units. Read More
Fixed Deposit
Features:
Interest Rate: 6.06% p.a. (must be changed as per the monthly revised rate)
Minimum balance: NPR10,000.00
Tenure: 1 year to maximum 5 years
In the current Fixed Deposit Plus account, accrued interest will be posted and accumulated on a quarterly basis.
Following the maturity date, the customer is able to receive the entire amount (principle plus accrued interest).
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.
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.
