Fixed deposit (FD) rates in Nepal continue to shift as banks respond to liquidity conditions and Nepal Rastra Bank’s monetary policy updates. As of Kartik 2082 (November 2025), most commercial banks are offering interest rates between 5% and 7%, depending on tenure, customer type, and deposit category.
For savers looking to make the most of stable yet competitive returns, comparing rates before locking your money is essential. A difference of even 0.25% can add thousands of rupees in extra earnings every year.
Below is a summary of the latest fixed deposit interest rates across major commercial banks in Nepal, updated every month to help you make informed financial decisions.
| Bank | Individual FD | Remittance FD | Minimum Tenure |
| Siddhartha Bank | 3.75 - 5.5% | 4.75 - 6.50% | 3 months |
| Nabil Bank | 3.25 - 4.95% | 4.25 - 5.95% | 3 months |
| Global IME Bank | 3.5 - 6% | 4.00 - 7.00% | 3 months |
| NIC Asia Bank | 2.75 - 5.75% | 3.75 - 6.75% | 3 months |
| Citizens Bank | 3.25 - 4% | 4.25 - 6.0% | 3 months |
| NMB Bank | 2.75 - 5% | 3.0 - 6.0% | 3 months |
For most depositors, rates between 3.5% and 7% have become the current standard for 2082. Meanwhile, Remittance FDs typically earn an extra 0.5% to 1.0%, offering better returns for these customer segments.
If you are planning to renew or open a fixed deposit this month, you can compare all updated FD rates across Nepali banks directly on Saral Banking Sewa before making your decision.
While most commercial banks in Nepal are offering similar fixed deposit rates in 2082, a few stand out for providing consistently higher returns across multiple deposit types.
Based on the latest updates for Kartik 2082 (November 2025), the following banks are offering some of the best FD rates in Nepal this month.
| Bank | Individual FD | Remittance FD | Minimum Tenure |
| Global IME Bank | 3.5 - 6% | 4.5 - 7.00% | 3 months |
| Himalayan Bank | 3.0 - 6% | 4.0 - 7.00% | 3 months |
| NIC Asia | 2.75 - 5.75% | 3.75 - 6.75% | 3 months |
| Siddhartha Bank | 3.75 - 5.5% | 4.75 - 6.50% | 3 months |
| Rastriya Banijya Bank | 3.77 - 5.5% | 4.77 - 6.50% | 3 months |
| Nepal SBI Bank | 3.75 - 5.18% | 3.9 - 6.00% | 3 months |
Overall, interest rates across major banks have remained relatively stable compared to the previous month, with only minor adjustments due to liquidity changes in the banking system. Remittance-based FDs continue to offer slightly better returns, while institutional deposits remain lower because of shorter tenures and higher volume requirements.
If you are planning to open or renew your fixed deposit this month, it’s wise to compare both the interest rate and payout method (quarterly or at maturity). These small details can significantly influence your total return over time.
Tip: You can review and compare all current FD rates from commercial and development banks on Saral Banking Sewa, updated every month for accuracy.
Fixed deposit interest rates in Nepal have remained relatively stable through the first quarter of 2082, following a few minor adjustments by major commercial banks. Most institutions are keeping rates in the 3.5% to 6.0% range, balancing the demand for deposits with steady liquidity conditions in the market.
One of the main reasons for this stability is Nepal Rastra Bank’s moderate monetary stance. The central bank has maintained a cautious approach to liquidity management, ensuring that banks have enough funds to meet lending needs without aggressively competing for deposits. As a result, there have been fewer rate spikes compared to previous years.
Another contributing factor is the rise in remittance inflows, which continues to strengthen deposit bases across the banking system. Because many banks receive regular inflows from Nepalis working abroad, they no longer need to offer extremely high interest rates to attract deposits.
At the same time, inflation has remained under control, averaging between 5% and 6%, allowing FD investors to maintain a positive real return even with moderate rates.
Looking ahead, FD rates are expected to stay largely stable for the coming quarter, unless major liquidity changes occur in the financial sector. If Nepal Rastra Bank tightens liquidity or adjusts its policy rate, small upward revisions could happen, especially for long-term or remittance fixed deposits.
Insight: If you plan to open a long-term FD, this period of rate stability can be an advantage. Locking in a competitive rate now ensures predictable returns even if banks revise rates downward later.
Choosing the best fixed deposit isn’t only about finding the highest interest rate. The right FD depends on your saving goal, cash flow needs, and how long you can comfortably keep your money locked. A 10% rate might look attractive, but if the tenure, payout method, or compounding option doesn’t fit your plan, the actual return could be less rewarding.
Here are a few key points to consider before making your choice:
Even small details like tenure or payout timing can make a real difference in total earnings.
To simplify your decision, you can compare all current fixed deposit interest rates from major banks on Saral Banking Sewa, calculate your maturity value, and choose the FD that matches your saving goal.
As of Kartik 2082 (November 2025), most commercial banks in Nepal offer FD rates between 3% and 7.0%, depending on the bank, deposit tenure, and account type.
Banks such as Global IME, Citizens, and NMB currently offer some of the highest FD rates, reaching up to 7.0% for remittance deposits.
FD rates are reviewed and updated every month by most commercial banks based on liquidity and Nepal Rastra Bank’s monetary policy.
Yes. Nearly all commercial banks in Nepal allow customers to open or renew FDs online through mobile banking apps or official bank websites once KYC verification is complete.
Yes. A 5% TDS is automatically deducted from interest earned on individual deposits and 15% for institutional deposits, as per NRB and tax regulations.
Yes. Fixed deposits are among the safest investment options since they are regulated by Nepal Rastra Bank and backed by the issuing bank’s capital.
You can compare current FD rates from all major Nepali banks directly on Saral Banking Sewa, updated every month for accuracy and convenience.
