🇳🇵 📊 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
🏦 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%
✔️ 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%
✔️ Other Banks Snapshot
- Nabil Bank: ~ 2.85% – 4.55%
- Everest Bank: ~ 2.75% – 4.25%
- Global IME Bank: ~ 4.5%
📈 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
⚠️ 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
💡 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
✅ Conclusion:
👉 Current FD rates in Nepal are moderate (around 4%–5%)
👉 Highest safe FD ≈ 5% (commercial banks)
👉 Max possible ≈ 6%+ (development banks)
