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🏦 Fixed Deposit (FD) Rate Nepal Banks 2026 — Best Rates Comparison
Compare FD interest rates across all major Nepal banks · Updated June 2026 · All rates per annum
✅ NRB Licensed Banks🇳🇵 Rates in NPRUpdated June 2026
📊 Commercial Banks FD Rates Nepal 2026
| Bank | 3 Months | 6 Months | 1 Year | 2 Years |
|---|---|---|---|---|
| NIC Asia Bank | 7.00% | 7.50% | 8.50% | 8.75% |
| ⭐ Sanima Bank | 7.25% | 7.75% | 8.75% | 9.00% |
| Prabhu Bank | 7.00% | 7.50% | 8.50% | 8.75% |
| Nabil Bank | 6.50% | 7.00% | 8.00% | 8.25% |
| Everest Bank | 6.50% | 7.00% | 8.00% | 8.25% |
| NMB Bank | 7.00% | 7.25% | 8.25% | 8.50% |
| Global IME Bank | 6.75% | 7.25% | 8.25% | 8.50% |
| Nepal Investment Mega Bank | 6.50% | 7.00% | 8.00% | 8.25% |
| Laxmi Sunrise Bank | 7.00% | 7.50% | 8.50% | 8.75% |
| Citizens Bank | 6.75% | 7.25% | 8.25% | 8.50% |
* Rates as of June 2026. NRB caps commercial bank FD rates. Confirm with bank before depositing.
📊 Development Banks FD Rates (Higher Risk, Higher Return)
| Bank | 6 Months | 1 Year | 2 Years |
|---|---|---|---|
| Muktinath Bikas Bank | 9.00% | 10.50% | 11.00% |
| Garima Bikas Bank | 9.25% | 10.75% | 11.25% |
| Shine Resunga Dev. Bank | 9.00% | 10.50% | 11.00% |
⚠️ Note: Development banks carry higher risk than commercial banks. DCGC insurance covers up to Rs. 5,00,000. For large amounts, stick to commercial banks.
🧮 FD Interest Calculator
Interest: Rs. 8,500 | Maturity: Rs. 1,08,500Simple interest · 1 Year at 8.5%
💡 FD Tips for Nepali Savers
Ladder strategy: Instead of putting all money in one FD, split into 3-month, 6-month, and 1-year FDs. This way you always have money maturing soon for emergencies while still earning good rates on longer deposits.
Tax on FD interest: In Nepal, banks deduct 5% TDS (Tax Deducted at Source) on FD interest before paying you. If you’re in the 25% tax slab, you’ll owe additional tax when filing. Check our income tax slab guide →
NRB rate cut impact: NRB has been reducing policy rates in 2025-2026 to stimulate the economy. This is slowly pushing commercial bank FD rates down. If you want to lock in current rates (8-9%), do it now before further cuts.
📌 Related Financial Guides
📋 PriceNepal Verdict
For safe, maximum returns in June 2026, Sanima Bank’s 1-year FD at 8.75% p.a. is the best commercial bank option. For slightly higher returns with acceptable risk, Garima Bikas Bank at 10.75% p.a. is worth considering for amounts under Rs. 5,00,000 (DCGC insured). Always confirm rates directly with the bank before depositing as rates change monthly.
❓ FAQs
Which bank gives highest FD rate Nepal 2026? ▾
Among commercial banks, Sanima Bank offers around 8.75% for 1-year FD as of June 2026. Development banks like Garima Bikas Bank offer up to 10.75% but carry higher risk.
Is FD interest taxable in Nepal? ▾
Yes. Banks deduct 5% TDS on FD interest automatically. If you are in a higher income tax bracket, you may owe additional tax when filing your annual return. See our income tax slab guide for details.
Can I break a fixed deposit early in Nepal? ▾
Yes, but with a penalty. Most banks apply a 1-2% penalty on the interest earned if you break the FD before maturity. The principal is always returned in full.