Highest FD Rates for Senior Citizens in Nepal 2026
Every Highest fixed deposit tenure and rate for 2026 (Asar 2083), with after-tax worked examples.
Highest's fixed deposit rates for Asar 2083 (June 2026) go up to 4.05% p.a. for 24+ months. The full schedule of tenures, what you earn after tax, and how it compares are below.
Highest 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.) |
|---|---|
| 24+ months | 4.05% |
| 12–24 months | 3.85% |
| 60+ months | 3.50% |
| 6–12 months | 3.50% |
| 3–6 months | 3.35% |
| 36–60 months | 3.00% |
| 24–36 months | 2.75% |
What you actually earn at this rate
At Highest's 4.05% (compounded quarterly over 24 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 (4.05%) | 5% TDS | Net interest | Maturity value |
|---|---|---|---|---|
| Rs 1.00 lakh | Rs 8,393 | Rs 420 | Rs 7,973 | Rs 107,973 |
| Rs 5.00 lakh | Rs 41,965 | Rs 2,098 | Rs 39,866 | Rs 539,866 |
| Rs 10.00 lakh | Rs 83,929 | Rs 4,196 | Rs 79,733 | Rs 1,079,733 |
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 Highest's top rate of 4.05% 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
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.
Frequently asked questions
What is the highest fixed deposit rate at Highest in 2026?+
4.05% p.a. for 24+ months, as of Asar 2083.
How many fixed deposit tenures does Highest offer?+
7 published tenure band(s) — see the table above.
Is the interest taxed?+
Yes — 5% TDS for individuals, withheld by the bank before it credits your interest.
Do senior citizens get more?+
Usually yes — many banks add about 0.25–1% over the published rate for senior citizens.
How often are these figures updated?+
Rates are revised every Nepali month. BFIS Compare refreshes them monthly, so always check the live comparison page before you decide.
Is BFIS Compare free and independent?+
Yes — BFIS Compare is independent and free to use, with figures sourced from Nepal Rastra Bank (NRB) and the institutions themselves.
Written by
Sandeep Kumar ChaudharyFounder of BFIS Compare, writing about Nepal's banks, deposit rates and loans. sandeepkumarchaudhary.com