Rs 15 Lakh Fixed Deposit at Global IME Bank: Maturity & Interest (Asar 2083)

Rs 15 Lakh's fixed deposit rates for Asar 2083 (June 2026) go up to 4.50% p.a. for 36+ months. The full schedule of tenures, what you earn after tax, and how it compares are below.

Rs 15 Lakh fixed deposit rates — full tenure table

Every published fixed deposit tenure and rate for Asar 2083. Longer tenures usually pay more.

Tenure	Fixed Deposit rate (p.a.)
36+ months	4.50%
24–36 months	4.25%
12–24 months	3.25%
6–12 months	3.00%
—	3.00%
3–6 months	2.85%

What you actually earn at this rate

At Rs 15 Lakh's 4.50% (compounded quarterly over 36 months), here is the gross and post-tax return on three common deposit sizes — fixed-deposit interest is taxed at 5% TDS.

Deposit	Gross interest (4.50%)	5% TDS	Net interest	Maturity value
Rs 1.00 lakh	Rs 14,367	Rs 718	Rs 13,649	Rs 113,649
Rs 5.00 lakh	Rs 71,837	Rs 3,592	Rs 68,245	Rs 568,245
Rs 10.00 lakh	Rs 143,674	Rs 7,184	Rs 136,491	Rs 1,136,491

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 your net return is slightly below the headline rate.

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. Confirm the current figure at the branch.

How to get the best return

Compare Rs 15 Lakh's top rate of 4.50% against the whole market on the fixed deposit comparison page, and estimate your maturity amount with the FD calculator.

How we sourced these figures

Every rate on this page is taken from each institution's published rate sheet for the Asar 2083 (June 2026) period and cross-checked against Nepal Rastra Bank (NRB) disclosures. We re-verify the numbers each Nepali month, and the comparison table and the figures quoted in the text are generated from the same dataset — so they always agree. You can explore the live, filterable data on the BFIS Compare comparison page.

Related comparisons

• Best fixed deposit rates (all banks)
• Base rates
• FD calculator

Rates are revised every Nepali month and can change. Figures are for Asar 2083; always confirm the current number on the BFIS Compare comparison page before you apply.

Fixed Deposit (मुद्दती निक्षेप) at Global IME Bank: A Complete Guide

A fixed deposit (FD), known in Nepali as मुद्दती निक्षेप, is one of the simplest and safest ways to grow idle savings at Global IME Bank. You lock a lump sum of money for a fixed tenure at a pre-agreed interest rate, and Global IME Bank pays you interest for keeping that money with it. Because the rate is fixed for the full term, an FD shields you from the ups and downs that affect savings accounts, making it a favourite of conservative savers across Nepal.

How fixed deposits work in Nepal

When you open an FD with Global IME Bank, you agree on a principal amount and a tenure that can range from a few weeks to several years. Interest in Nepal is typically calculated on the principal and compounded quarterly (every three months), which means each quarter's interest is added to the base on which the next quarter is calculated. This quarterly compounding lets your return grow slightly faster than simple interest. As a commercial bank licensed by Nepal Rastra Bank (NRB), Global IME Bank must follow NRB rules on deposit products, interest publication, and depositor protection, so your money sits within a regulated framework.

You can usually choose to receive interest periodically (monthly or quarterly payouts to your linked account) or to let it accumulate and be paid with the principal at maturity. On the maturity date, you can withdraw the full amount or opt for auto-renewal, where Global IME Bank automatically re-books the deposit for the same tenure at the prevailing rate so your money never sits idle.

Premature withdrawal, loan against FD, and senior-citizen margin

If you break an FD before maturity, Global IME Bank applies a premature withdrawal penalty and generally pays interest at a reduced rate for the period the money actually stayed. This is why an FD suits money you genuinely will not need soon. A smarter alternative when you face a short-term cash crunch is a loan against your FD (overdraft or fixed loan): you pledge the deposit as collateral and borrow against it, so your FD keeps earning interest and continues undisturbed while you meet the emergency. Many banks also offer an extra senior-citizen margin, a small additional interest benefit for depositors above a defined age, so eligible savers should always ask Global IME Bank whether they qualify.

Eligibility & documents

Opening an FD at Global IME Bank follows standard KYC (Know Your Customer) norms set by NRB. Individuals, joint holders, minors (through a guardian), firms, and institutions are typically eligible. You will usually need:

• A completed FD/account opening form and KYC form
• Citizenship certificate, national ID, or passport (photo ID)
• Recent passport-size photographs
• A linked savings/current account at Global IME Bank for interest credit and maturity proceeds
• PAN, firm registration, or tax documents for business and institutional deposits
• Proof of the source of funds for larger amounts, in line with anti-money-laundering rules

Tax: 5% TDS on FD interest

Interest earned on fixed and savings deposits by individuals in Nepal is subject to 5% Tax Deducted at Source (TDS). Global IME Bank deducts this TDS at the point interest is paid and deposits it with the tax authorities, so the amount that reaches your account is already net of tax. When you compare returns, always think in after-tax terms rather than the headline rate, and keep the TDS certificate Global IME Bank issues for your records.

How to get the best deal from your FD

A few practical habits help you earn more without taking on risk:

• Ladder your deposits. Instead of locking one large sum for a single tenure, split it into several FDs maturing at different times. This laddering strategy gives you periodic access to cash and lets you re-book maturing amounts at fresh rates.
• Match the tenure to your goal. Choose a term that ends near when you will actually need the money, so you avoid premature-withdrawal penalties.
• Confirm the senior-citizen margin and any relationship or bulk-deposit benefits before you sign.
• Decide on interest payout vs. cumulative up front, based on whether you need regular income or maximum compounding.
• Review auto-renewal terms so a deposit does not silently roll over into a tenure that no longer fits your plans.

For savers in Nepal who value certainty over chasing higher-risk returns, a well-planned FD at Global IME Bank is a dependable cornerstone of a healthy financial plan.