Fixed Deposit Account are high interest bearing accounts where customers make deposits for stipulated time duration. The duration of deposit may be as short as 3 months and as long as the customer desires to make a deposit.
Minimum Balance - Rs. 100,000
Interest Rate – 3% - 4%
Tenure - 3 Months - above 2 Years
Minimum Balance - Rs. 10,000
Interest Rate – 3% - 4.5%
Tenure - 3 Months - 3 Years and above Months
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 4.05%
Tenure - 3 Months - Above 5 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.8% - 4.5%
Tenure - 3 Months - Above 3 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.85%
Tenure - 1 Year
Minimum Balance - Rs. 5,000
Interest Rate – 2.75% - 4.05%
Tenure - 3 Months - Above 5 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.8% - 4.55%
Tenure - 3 Months - Above 5 Years
Minimum Balance - Rs. 25,000
Interest Rate – 2.76% - 4.5%
Tenure - 3 Months - upto 5 Years
Minimum Balance - Rs. 100,000
Interest Rate – 3% - 4.5%
Tenure - 3 Months - above 2 Years
Minimum Balance - Rs. 1,000,000
Interest Rate – 2.85%
Tenure - 6 Months
Minimum Balance - Rs. 50,000
Interest Rate – 2.76% - 4.5%
Tenure - 3 Months - above 3 Years
Minimum Balance - Rs. 100,000
Interest Rate – 3% - 4.5%
Tenure - 3 Months - above 2 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 4.1%
Tenure - 3 Months - 5 Years
Minimum Balance - Rs. 100,000
Interest Rate – --
Tenure -
Minimum Balance - Rs. 100,000
Interest Rate – --
Tenure -
Minimum Balance - Rs. 10,000
Interest Rate – 2.85% - 4.15%
Tenure - 3 Months - above 1 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.8% - 4.5%
Tenure - 3 Months - 10 Years
Minimum Balance - Rs. 5,000
Interest Rate – 2.75% - 4.55%
Tenure - 6 Months - above 10 Years
Minimum Balance - Rs. 0
Interest Rate – 3% - 4.15%
Tenure - 3 Months - above 1 Years
Minimum Balance - Rs. 5,000
Interest Rate – 3.5% - 4.75%
Tenure - 3 Months - above 3 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.78% - 4.15%
Tenure - 3 Months - 3 Years
Minimum Balance - Rs. 5,000
Interest Rate – 3% - 4.25%
Tenure - 6 Months - 3 Years
Minimum Balance - Rs. 0
Interest Rate – 2.75% - 4.9%
Tenure - 3 Months - Above 5 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 4.75%
Tenure - 3 Months - 18 Years
Minimum Balance - Rs. 0
Interest Rate – 2.75% - 3.85%
Tenure - 3 Months - 3 Years
Minimum Balance - Rs. 0
Interest Rate – 2.82% - 4.25%
Tenure - 3 Months - 3 Years
Minimum Balance - Rs. 5,000
Interest Rate – 2.75% - 4.95%
Tenure - 6 Months - 10 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 5.43%
Tenure - Below 6 Months - Above 2 Years
Minimum Balance - Rs. 10,000
Interest Rate – 3.3% - 5%
Tenure - 1 Year - Above 1 Years
Minimum Balance - Rs. 10,000
Interest Rate – 3%
Tenure - 3 Months
Minimum Balance - Rs. 0
Interest Rate – 2.75% - 4.95%
Tenure - 3 Months - Above 3 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 5%
Tenure - 3 Months - Above 2 Years
Minimum Balance - Rs. 0
Interest Rate – 2.75% - 5.11%
Tenure - 6 Months - above 2 Years
Minimum Balance - Rs. 10,000
Interest Rate – 2.75% - 4.95%
Tenure - 3 Months - above 3 Years
Minimum Balance - Rs. 0
Interest Rate – 3% - 4.95%
Tenure - 6 Months - above 3 Years
Minimum Balance - Rs. 100
Interest Rate – 3%
Tenure - 3 Months
A Fixed Deposit (FD) is the most stable investment option in today's investment market. As the interest rates do not fluctuate based on market and economic conditions, an FD is better than mutual funds, stocks and other investments. It offers guaranteed returns with low risk.
Fixed Deposits offer guaranteed interest rates, flexible tenure options, and safe investment returns. Some major benefits of fixed deposits in Nepal are:
Any individual, including Nepali citizens, businesses, and institutions, can invest in a Fixed Deposit. Joint fd accounts are also allowed. Minors can invest through guardians, making it a flexible option for different types of investors.
Every fixed deposit account has minimum and maximum limits. These amounts vary from bank to bank. It usually starts from a few thousand rupees. Most banks will allow you to start an Fixed Deposit account with as low as Rs 10,000.
High-interest rates and a tax-saving facility are some of the best benefits of an FD. A recurring deposit is best for those who prefer to invest small amounts. FD is better if you want to invest a lump sum and earn fixed returns. The best option depends on your financial goal and saving habit.
You can open a Fixed Deposit account by visiting a bank branch or applying online.
Yes, you can withdraw your Fixed Deposit before maturity if needed. However, banks usually apply certain conditions and may reduce the interest rate or charge a penalty for early withdrawal.
If you withdraw your FD before maturity, banks may offer a lower interest rate than agreed or charge a penalty fee. The exact penalty depends on the bank’s policy and the duration for which the FD was maintained.
A fixed deposit (FD) is a financial product offered by banks to their customers at a higher interest rate than a regular savings account. It is a type of investment in which the account holder deposits a specific amount with the bank at a fixed interest rate for a set period of time. The bank pays the customer interest on this amount until it reaches maturity.
The best bank for Fixed Deposit depends on interest rates, tenure options, and additional benefits. Different banks offer different rates, so it is important to compare them regularly. Choose a bank that provides stable returns, flexible terms, and good customer service.
To compare FD rates at one place, visit Saral Banking Sewa to compare fixed deposit rates from different Nepali banks in one place. You dont need to check multiple bank websites one by one. Saral Banking Sewa helps you save time and make a better financial decision.
You can keep money in a fixed deposit from a few months to several years. You can choose the duration based on your financial goals. Longer tenures generally provide higher interest rates and better returns.
Yes, most banks in Nepal allow you to take a loan against your Fixed Deposit. This helps you access funds without breaking your FD, and the loan is usually approved quickly with lower interest compared to other loan types.
