Best Institutional / Corporate FD Rates in Nepal 2026
All 20 banks ranked by fixed deposit rate for 2026 (Asar 2083), with the market leader highlighted.
The best fixed deposit rate in Nepal for 2026 (Asar 2083) is NIMB at 5.25% p.a., followed by ADBL at 5.15%. This guide ranks all 20 banks so you can lock in the highest return.
Best fixed deposit rates in Nepal 2026 — full ranking
Every bank's top published individual fixed deposit rate for Asar 2083, highest first.
| Rank | Bank | Fixed Deposit rate | Qualifying tenure |
|---|---|---|---|
| 1 | NIMB | 5.25% | 24+ months |
| 2 | ADBL | 5.15% | 48+ months |
| 3 | Prime | 5.00% | 24+ months |
| 4 | Sanima | 4.75% | 24+ months |
| 5 | RBB | 4.75% | 60+ months |
| 6 | NMB | 4.75% | 60+ months |
| 7 | Prabhu | 4.55% | 120+ months |
| 8 | Nabil | 4.55% | 120+ months |
| 9 | MBL | 4.50% | 36+ months |
| 10 | Global IME | 4.50% | 36+ months |
| 11 | Nepal Bank | 4.25% | 60+ months |
| 12 | Nepal SBI | 4.10% | 36+ months |
| 13 | Everest | 4.05% | 60+ months |
| 14 | Siddhartha | 4.05% | 25+ months |
| 15 | Citizens | 4.05% | 24+ months |
| 16 | NIC Asia | 4.00% | 60+ months |
| 17 | Himalayan | 4.00% | 60–120 months |
| 18 | Laxmi Sunrise | 4.00% | 60+ months |
| 19 | SCB | 3.95% | 60+ months |
| 20 | Kumari | 3.91% | 24+ months |
How to choose
The top rate of 5.25% beats the bottom of the table by a meaningful margin — on a large deposit that is real money. Use the FD calculator to see your maturity amount, and keep the comparison page open as rates move monthly. NRB lets banks add a small negotiated margin on big deposits, so treat the listed rate as the baseline.
Tax on fixed deposit interest
In Nepal, interest earned on a fixed deposit is subject to a 5% tax deducted at source (TDS) for individuals — the bank withholds it before crediting your interest, so factor it into your effective return.
Senior citizens and scheme deposits
Many banks add a margin (often 0.25–1%) on fixed deposits for senior citizens, and some run festival or scheme deposits at higher rates for a limited window. Ask the branch or check the comparison page for the current offers.
Rates are revised every Nepali month and can change. Always confirm the current figure on the BFIS Compare comparison page before you apply.
Frequently asked questions
Which bank has the highest fixed deposit rate in Nepal 2026?+
NIMB at 5.25% p.a., as of Asar 2083.
How many banks publish fixed deposit rates?+
20 in this comparison.
Are these rates fixed?+
They are revised every Nepali month; check the comparison page for the latest.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com