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
Kumari Bank Limited
Bankrate Nepal Review
4
Interest Rate(P.A)As of February 6
4.23%3.21%2.75%2.75%
Minimum Balance
Rs. 0Rs. 0Rs. 0Rs. 0
Tenure
2 years1 year3 months6 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
Corporate Development Bank Limited
Bankrate Nepal Review
2
Interest Rate(P.A)As of February 6
3.25%
Minimum Balance
Rs. 0
Tenure
3 months
About Corporate Development Bank
The CDBL, a ‘B’ class licensed financial institution from Nepal Rastra Bank started its commercial operation from 07th November 2007 (21st of Kartik 2064) from Birgunj providing various financial services. Read More
Fixed Deposit
In order to facilitate long term depositors with higher returns CDBL has designed special High Yield Fixed Deposit. In this scheme one can participate with just Rs. 100,000.00 and can enjoyed interest up to 11.65% p.a.
Corporate 3 years recurring Account
This account is designed to them who wish to deposit funds continuously for 3 years. After Three years customer can get back the money together with interest calculated in quarterly basis. Interest is calculated even after maturity in this account too. In this scheme one can participate with just Rs. 1,000.00 and can enjoyed interest up to 8.0% p.a.
Corporate 5 years recurring Account
This account is designed to them who wish to deposit funds continuously for 5 years. After Five years customer can get back the money together with interest calculated in quarterly basis. Interest is calculated even after maturity in this account too. In this scheme one can participate with just Rs. 1,000.00 and can enjoyed interest up to 8.15% p.a.
Corporate Fifty Fixed
This account is desinged to them who wish to deposit funds for long period and get highly attractive interest rate. In this scheme, the minimum balance with Rs. 100,000.00 and can enjoyed interest @8.50% p.a. in quarterly basis.
Corporate Super Fixed Deposit
In order to facilitate long term depositors with higher returns CDBL has designed special Super Fixed Deposit. In this scheme one can participate with the minimum balance with Rs. 10,00,000.00 and can enjoyed interest @12.25% p.a
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.
