ChhimekMember Fixed DepositTop rate
Rate p.a.
8.00%
Tenor
7mo–2yr
Depositor
institutional
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
रू
Microfinance fixed deposit rates
We found 14 products
Class-D microfinance institutions (Laghubitta) are NRB-licensed lenders that serve low-income and rural members through group lending, deprived-sector and micro-enterprise credit, and member savings — not public fixed deposits. They run the highest rates of the four classes, within NRB caps. Compare their savings, loan and base rates below.
Updated from each microfinance institution'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
3 products
Last updated: Asar 2083
NirdhanMember Fixed Deposit
Rate p.a.
7.50%
Tenor
1yr–1yr
Depositor
institutional
Currency
NPR
Effective
Asar 2083
Verified from the bank's published disclosure, effective Asar 2083.
Product specification
- Min balance
- —
NirdhanMember Fixed Deposit
Rate p.a.
7.50%
Tenor
2yr–2yr
Depositor
institutional
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 institutions' published disclosures; microfinance products are member-based and data may be partial. Confirm before applying.