🇳🇵 📊 Nepal FD Interest Rates (Today – 2026)

 

🔹 Overall Market Range

• Short-term (3–6 months): ~ 2.8% – 3.3%
• 1–2 years: ~ 3.5% – 4.5%
• Long-term (5+ years): up to 5.5% – 5.8%+

👉 So, currently most banks in Nepal offer FD rates roughly between 2.8% to 5.5% per annum

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🏦 Major Banks FD Rates (Recent – 2026)

✔️ Top Commercial Banks

• Nepal Bank: ~ 4.5% (recently reduced)
• NMB Bank: up to 5.0%
• NIC Asia Bank: up to 5.0%
• Himalayan Bank: up to 5.0%
• Rastriya Banijya Bank: ~ 5.0%

👉 Highest FD in commercial banks right now ≈ 5%

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✔️ Sample Detailed Rates (Example Bank)

From Nepal Bank:

• 3–12 months → ~2.75%
• 1–2 years → ~3.0%
• 2–5 years → ~3.3%
• Above 5 years → ~4.5%

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✔️ Other Banks Snapshot

• Nabil Bank: ~ 2.85% – 4.55%
• Everest Bank: ~ 2.75% – 4.25%
• Global IME Bank: ~ 4.5%

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📈 Highest FD Rates (Development Banks / Finance)

Some development banks offer higher:

• Up to 5.3% – 6.5% (in some Bikas Banks)

👉 These are higher but may have slightly higher risk than commercial banks

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⚠️ Important Tips

• FD rates change every month (NRB policy + liquidity)
• Long-term FD = higher interest
• Remittance FD = +1% extra (in many banks)
• Always check latest rate before investing

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💡 Simple Advice (For You)

Since you are working professional 👷:

• Safe option → Commercial banks (~4.5–5%)
• Higher return → Development banks (~5.5–6.5%)
• Best strategy → Split FD in 2–3 banks

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✅ Conclusion:
👉 Current FD rates in Nepal are moderate (around 4%–5%)
👉 Highest safe FD ≈ 5% (commercial banks)
👉 Max possible ≈ 6%+ (development banks)

नेपालमा Fixed Deposit (FD) ब्याज दर

नेपालका बैंक तथा वित्तीय संस्थाहरूमा FD ब्याज दर लगभग 3% देखि 7% सम्म पाइन्छ।

👉 Latest FD Rates हेर्नुहोस्