KarnaliFixed DepositTop rate
Rate p.a.
8.50%
Tenor
1yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
रू
Development bank fixed deposit rates
We found 122 products
Class-B development banks are NRB-licensed institutions serving regional and SME customers, often offering higher deposit rates than commercial banks. Compare their fixed deposit, savings, loan and base rates below.
Updated from each development bank's latest published rates (Bikram-Sambat month).
Best fixed deposits
Product typeRate p.a.
Best savings
Product typeRate p.a.
More options
Product typeRate p.a.
Recurring depositSoon
Foreign currency (USD) FDSoon
Call depositSoon
Compare fixed deposit rates
77 products
Last updated: Asar 2083KarnaliFixed Deposit
Rate p.a.
8.00%
Tenor
6mo–9mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
NarayaniFixed Deposit
Rate p.a.
7.50%
Tenor
1yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
NarayaniFixed Deposit
Rate p.a.
7.25%
Tenor
6mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Free tool
Work out your monthly EMI in seconds
Enter the amount, rate and tenure — see your repayment before you apply.
GreenFixed Deposit
Rate p.a.
7.25%
Tenor
2yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GreenFixed Deposit
Rate p.a.
7.00%
Tenor
1yr–23mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SaptakoshiFixed Deposit
Rate p.a.
7.00%
Tenor
2yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MiteriFixed Deposit
Rate p.a.
7.00%
Tenor
2yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
NarayaniFixed Deposit
Rate p.a.
7.00%
Tenor
3mo–5mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MiteriFixed Deposit
Rate p.a.
6.50%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GreenFixed Deposit
Rate p.a.
6.25%
Tenor
6mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
JyotiFixed Deposit
Rate p.a.
6.00%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SalapaFixed Deposit
Rate p.a.
6.00%
Tenor
2yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SaptakoshiFixed Deposit
Rate p.a.
6.00%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Stay ahead
Rates change every Bikram-Sambat month
Get the best deposit and loan rates delivered before they move.
CorporateFixed Deposit
Rate p.a.
6.00%
Tenor
3yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
CorporateFixed Deposit
Rate p.a.
5.75%
Tenor
2yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GreenFixed Deposit
Rate p.a.
5.75%
Tenor
3mo–3mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SaptakoshiFixed Deposit
Rate p.a.
5.50%
Tenor
6mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SalapaFixed Deposit
Rate p.a.
5.50%
Tenor
1yr–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GarimaFixed Deposit
Rate p.a.
5.43%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SindhuFixed Deposit
Rate p.a.
5.30%
Tenor
1yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
CorporateFixed Deposit
Rate p.a.
5.25%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MiteriFixed Deposit
Rate p.a.
5.00%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
CorporateFixed Deposit
Rate p.a.
5.00%
Tenor
1yr–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Borrowing?
Compare 400+ loans across 20 banks
Home, auto, business, margin & more — find your lowest effective rate.
SalapaFixed Deposit
Rate p.a.
5.00%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GarimaFixed Deposit
Rate p.a.
5.00%
Tenor
3yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MahalaxmiFixed Deposit
Rate p.a.
4.95%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
4.81%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
4.70%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
LumbiniFixed Deposit
Rate p.a.
4.70%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
4.66%
Tenor
5yr–10yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
4.66%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
4.66%
Tenor
5yr+
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
CorporateFixed Deposit
Rate p.a.
4.50%
Tenor
6mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Explore
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CorporateFixed Deposit
Rate p.a.
4.25%
Tenor
3mo–3mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
4.00%
Tenor
3yr–59mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MahalaxmiFixed Deposit
Rate p.a.
4.00%
Tenor
3yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MiteriFixed Deposit
Rate p.a.
4.00%
Tenor
6mo–9mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SindhuFixed Deposit
Rate p.a.
4.00%
Tenor
6mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
3.75%
Tenor
3yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
3.75%
Tenor
4yr–59mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
SindhuFixed Deposit
Rate p.a.
3.75%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
LumbiniFixed Deposit
Rate p.a.
3.60%
Tenor
3yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MahalaxmiFixed Deposit
Rate p.a.
3.50%
Tenor
2yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
3.25%
Tenor
2yr–35mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
3.25%
Tenor
1yr–23mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
3.25%
Tenor
4yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
3.25%
Tenor
3yr–47mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
3.15%
Tenor
3yr–4yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
3.15%
Tenor
3yr–4yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
3.15%
Tenor
4yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
LumbiniFixed Deposit
Rate p.a.
3.10%
Tenor
1yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
LumbiniFixed Deposit
Rate p.a.
3.01%
Tenor
0yr–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
3.00%
Tenor
2yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
3.00%
Tenor
1yr–35mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
3.00%
Tenor
2yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
3.00%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MahalaxmiFixed Deposit
Rate p.a.
3.00%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GarimaFixed Deposit
Rate p.a.
3.00%
Tenor
1yr–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
3.00%
Tenor
2yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
2.90%
Tenor
1yr–2yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–3mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
2.75%
Tenor
9mo–9mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
2.75%
Tenor
9mo–11mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shine ResungaFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–8mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
JyotiFixed Deposit
Rate p.a.
2.75%
Tenor
3yr–5yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
JyotiFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–3yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
JyotiFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Shangri-laFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GarimaFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
GarimaFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
ExcelFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–3mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
2.75%
Tenor
3mo–6mo
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
MuktinathFixed Deposit
Rate p.a.
2.75%
Tenor
1yr–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
Kamana SewaFixed Deposit
Rate p.a.
2.75%
Tenor
6mo–1yr
Depositor
individual
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
How to choose a Fixed Deposit in Nepal
A fixed deposit locks a lump sum away for a set period in return for a higher, guaranteed rate. Here are the steps to pick the right one:
1
Decide your tenor: Match the lock-in period to when you'll need the money. Longer tenors (1–2 years and above) usually pay more, but your money is tied up.
2
Compare across all 20 banks: Rates differ by bank and change every Nepali month. Comparing the whole market before you commit can be worth a meaningful amount of interest.
3
Check your depositor type: Individual FD rates are higher than institutional (NRB requires at least a 1% gap), and remittance earners may qualify for a premium of up to 1%.
4
Read the premature-withdrawal penalty: Breaking an FD before maturity reduces your interest. Confirm the penalty with the bank before you deposit, especially for longer tenors.
5
Confirm the interest payout: Interest may be paid quarterly or on maturity. Quarterly payout lets you reinvest sooner; on-maturity can compound to a slightly higher total.
6
Note the effective date: Nepali banks republish deposit rates each Bikram-Sambat month. Always use the latest sheet — our tables show the effective period for every rate.
Types of deposit accounts
There are several types of deposit account in Nepal, depending on your goals and how often you need access.
Fixed Deposit (FD)
Lock a lump sum for a set tenor at a fixed, guaranteed rate. FDs pay the highest deposit returns but restrict access until maturity.
Recurring Deposit
Deposit a fixed amount every month for a chosen term. A good option if you don't have a lump sum but want FD-like returns.
Normal Savings
Flexible, everyday access to your money at a lower rate (around 2.75%). Interest is typically calculated daily and paid quarterly.
Remittance Savings
For recipients of foreign remittance. Usually pays the highest savings rate of any account type and often has zero minimum balance.
Senior Citizen & Women's
Special savings for eligible savers, often with bonus interest, free insurance and locker discounts. Eligibility and age limits apply.
Foreign Currency (USD)
Hold and earn interest in USD, EUR or GBP. Subject to eligibility and NRB foreign-exchange rules.
Disclaimer
Rates aggregated from banks' published disclosures; some development-bank data may be partial. Confirm with the bank before applying.