Finance company fixed deposit rates

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.

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.

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%.

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.

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.

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.