Fixed Deposit Interest Rate in Nepal in 2082 [2026]

Please visit the individual bank's official link to learn more about current interest rate details:

Rates are indicative. Please visit the official bank website for the most accurate and up-to-date information.

Fixed Deposit (FD), also known as a term or time deposit, is a deposit account at the bank for a fixed period. Fixed Deposit entitles individual investors to fixed interest payments and returns of the deposited amount after maturity. Banks offer higher interest rates on FD than saving and current accounts as the money is available for a longer period.

Fixed deposits are suitable for senior citizens, pension holders, and retired people who do not need money immediately and prefer a low-risk, steady return.

The rate of fixed deposit is not fixed; however, there are between 7% to 11% interest rates provided by banks and financial institutions in Nepal. The fixed deposit rates differ from one bank to another and can change based on Nepal Rastra Bank's monetary policy.

The fixed deposit rates have several direct and indirect impacts on the country's economic circulation. The rate of interest provided by banks will severely impact the bank's liquidity, stock market, loans, and other economic activities. Interest rates have an inversely proportional relationship with the stock market. When banks raise their FD interest rate, low-risk investors prefer to save their money in FD rather than invest in the stock market.