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BANK INTEREST RATES IN NEPAL
Bank Interest Rates in Nepal: Since 1937 the Nepal Bank Limited has started
banking service in Nepal. It is the first commercial bank of Nepal. Nowadays
there are 21 commercial banks. Which performing services like deposits, loans,
remittance, checkbook, credits cards, debit cards, mobile banking, internet
banking, shares & insurances.
WHICH BANK IS PAYING HIGH INTEREST RATES IN NEPAL
The bank interest rates in Nepal are decided by Nepal Rastra Bank. But the
commercial banks can increase or decrease the interest rates without exceeding
the maximum or minimum rates set by Nepal Rastra Bank.
However, we have pointed both the maximum & minimum interest rates on the
savings accounts. And also the maximum interest rate on fixed deposit for
personal & institutional accounts.
To get the maximum interest rate in many banks you have to choose the special or
premium account type that means you have been charged for account opening or
maybe some amount will be on hold until you operate the account.
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We suggest for maximum interest rate kindly choose those bank which has a high
interest rate on the Normal savings account. Generally, the normal savings
account is zero balance account which doesn’t require a minimum balance to open
a bank account.
The bank interest rates in Nepal are always changing so we update the rates
every month, for more information watch the table below. The given values are in
percentage. Updated on 15-01-2023, BS 01 Magh 2079.
BanksNormal SavingsSpecial SavingsFD PersonalFD Institutional Nepal Bank Ltd.
(NBL)6.428.4211.009.00 Agriculture Development Bank Ltd.
(ADBNL)6.428.4212.1310.13 NIC ASIA Bank Ltd. (NIC)6.429.4211.009.00 Rastriya
Banijya Bank Ltd. (RBB)6.428.2211.009.00 Himalayan Bank Ltd.
(HBL)6.429.4211.009.00 Machhapuchhre Bank Ltd. (MBL)6.428.4211.009.00 Nepal SBI
Bank Ltd. (NSBI)6.428.4211.009.00 Prabhu Bank Ltd. (PRABHU)6.427.2511.009.00
Nabil Bank Ltd. (NABIL)6.428.4211.009.00 Nepal Investment Mega Bank Ltd.
(NIMB)6.427.4211.009.00 Everest Bank Ltd. (EBL)6.428.4211.009.00 Global IME Bank
Ltd. (Global)6.428.4211.009.00 Kumari Bank Ltd. (Kumari)6.428.4211.009.00 Sanima
Bank Ltd. (Sanima)6.428.4211.009.00 Laxmi Bank Ltd. (Laxmi)6.428.4211.009.00
Sunrise Bank Ltd. (Sunrise)6.428.4211.009.00 NMB Bank Ltd.
(NMB)6.428.4211.009.00 Siddhartha Bank Ltd. (SBL)6.427.1511.009.00 Citizens Bank
International Ltd. (Citizens)7.139.1311.009.00 Prime Commercial Bank Ltd.
(Prime)7.139.1311.009.00 Standard Chartered Bank Nepal Ltd.
(SCBNL)7.139.1311.009.00
HOW TO CHOOSE CORRECT BANK ACCOUNT TYPE IF I AM A…
* NRN
* Student
* Salaried Person
* Business Person
* Firm or Business
* Housewife or Woman
BANK PRODUCTS AND SERVICES
Many commercial banks are offering free account opening & some banks are
charging for the service. Most of the bank offers free checkbook, debit card,
ABBS, mobile & internet banking.
The banks are offering many types of accounts. Such as saving, fixed, current,
dmat, salary, FCY known as foreign currency account USD, GBP & EUR.
As well they are serving a variety of loans. Such as personal loan, home loan,
vehicle loan, business loan, education loan, gold loan, mortgage loan & property
loan.
Each citizen of our country has the right to open a bank account. Even Nepalese
citizens residing in a foreign nation can open online bank accounts in Nepal
without appearing in the bank.
As well the foreign citizen or NRN non-residential Nepalese can also open a bank
account in Nepal. For foreign citizens, they must be residing, earning, or
trading in this country. For NRN they need an NRN ID card.
To open a bank account, you need a photograph, identity proof & address proof
which is compulsory. Maybe the bank will demand other relevant documents.
You can visit the bank physically or Nowadays many banks have the facility to
open an online bank account. Just you have to fill the online form & submit it
on their sites you’ll get your account number instantly by email or SMS.
THE BEST BANK BY COMPARING THE SERVICES
Let’s talk about not only the interest rates but, also about the services of the
banks. Many banks are paying high interest but their services are so bad. I’m
not going to point the bad services bank’s name here. But I am going to tell you
the banks having good services in my opinion.
NEPAL INVESTMENT MEGA BANK
To be honest, in terms of service the first name comes in mind is Nepal
Investment Mega Bank. There are many instant services where the customer has not
to wait for a week or months. Like a password reset of internet banking or
mobile banking. Check on demand instantly. Especially the ATM machine works
great each time.
SANIMA BANK
The second one is Sanima Bank if you are NRN or staying out of country forget
those three banks which have been discussed above. Sanima bank started by NRNs &
they better know the banking problems while staying out of the country. So
Sanima Bank enters the banking industry with solutions. The service offered by
Sanima Bank is far better than other banks such as account opening, account
types, domestic/international debit cards, domestic/international credit cards,
sanima express remittance, loan facilities.
NABIL BANK
The third name that comes in my mind is Nabil Bank which services also very
good. Especially for debit cards & credit cards, where the bank always offering
discounts & cashback to the customer. On many online sites, you get a heavy
discount with Nabil bank. Surprisingly, it supports payment on many Nepalese as
well on Indian shopping sites too.
NMB BANK
Forth is NMB Bank which has a high interest too. The bank is best for its debit
cards which support most of the ATMs of our country without any transaction
charges. Now many banks are offering such a transition charge free debit card.
But still, the NMB debit card is the best. Even withdrawal in India is also a
minimum transaction fee among theses all banks.
BEFORE YOU COMMENT:
Dear visitor, we definitely answer your all queries. Many visitors quarry for
general information so we quickly reply them. But, some visitors have a specific
quarry or multiple queries that need lots of research, discussion with experts,
visit the financial institutions, analysis of the data, compare the financial
product or plans. It takes a lot of time which cause delay to reply but we came
with authentic and exact information what you need. So keep patience and keep
posting your queries without hesitation we will definitely try our best.
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196 Comments
« Older Comments
1. Deepak
Hello sir! Which banks are giving FD return 10 times in 20 years? Is it
worth to invest 10 lakhs now for my children?
July 20, 2022 Reply
* Admin
Hello Deepak Ji, Its NIC Asia Bank gives 10 times return in 21 years for
fixed deposit.
January 14, 2023 Reply
2. Meraj
Hi Mr. Ramu,
Mostly the banks are calculating interest every quarter (i.e, every 3
months).
Thank you.
February 14, 2022 Reply
* Admin
Yes Ramu Jee, you’re right.
June 16, 2022 Reply
3. Ujjal Shrestha
How much interest rate would i get for quaterly fd?is it possible to get
interest quaterly?
January 3, 2022 Reply
4. Raj Rai
Sir, is it possible to do online transfers from own account of any bank in
Nepal, across countries like UK, HK, and mainly India quite easily? If so,
please kindly tell me from which banks, as well as the upper limits of such
transfers, and also about the general procedures / protocol etc to follow.
Thank you.
December 12, 2021 Reply
* Admin
Raj Rai Jee, you can’t transfer money from Nepal to any foreign nation
for general purposes because it’s prohibited by Nepal Rastra Bank. For a
special case like studies, medical emergency, travaling or bussiness the
bank represetative will transfer the amount you can’t transfer yourself.
You have to provide the legal documentation to the bank. The limits are
different depending upon the categories.
June 16, 2022 Reply
5. Sarbagya
Could you tell me more about term insurance and health check up in details?
July 5, 2021 Reply
6. Madhav
Hi sir, I am in UAE, I want to do FD some amount in RBB, I have a saving AC
in RBB, as per my knowledge, I can’t fix deposit from UAE. Is there any
option to FD from here? if it is possible, please suggest, your great
answer will appreciate.
June 26, 2021 Reply
7. ASHIM GURUNG
are these interest rates provided is per month or per year?
June 17, 2021 Reply
8. Monika Thapa
Hello sir,if i do fd in civil bank for 1year,how much percentage of
interest will they provide??
June 12, 2021 Reply
* Admin
Hi Monika Ji, for one year you’ll get a 7.25% interest rate & for one
year above you’ll get 8.05%.
June 12, 2021 Reply
9. Umesh
is there any banks offering compound interest in Nepal?
May 29, 2021 Reply
* Admin
Hi Umesh Ji, no banks are offering compound interest they just offering
simple interest rates.
June 12, 2021 Reply
10. Rawmace
Hello admin ji
Is the interest 8.75 %compounded anually …???
Or simply simple interest??!!
May 10, 2021 Reply
* Admin
Hi Rawmace Ji, almost all the banks having simple interest only.
June 12, 2021 Reply
11. Kriss
Hello sir, can you explain me about special saving, fd personal and fd
institutional. And which bank gives higher compound interest. Reply pls ??
May 2, 2021 Reply
* Admin
Hi Kriss, the topic already explained in the article. In short special
savings means paying an extra amount for account opening, fd personal
means any individuals can open easily this account, fd institutional
means you must have a business, firm, office, institute, or organization
to open fd account.
June 18, 2021 Reply
12. Ramesh
It was very nice to have the comparision list of interest rates. But they
get updated every month. Could please keep on updating them too.
April 23, 2021 Reply
* Admin
Hello Ramesh Ji, sorry for the inconvenience now we have updated the
interest rates.
May 7, 2021 Reply
* Ramu
Hi sir I want fix deposit in any bank but the interest I want to
receive quarterly mean every 3rd month if possible can u reply with
detail
June 14, 2021 Reply
13. Suresh Pandey
Will fixed deposit interest be increased in April-May 2021? What do you
think admin?
April 1, 2021 Reply
* Admin
Hi Suresh Ji, it’s a very rare chance of an increase in interest rate,
the chances are it remains same or it will decrease.
April 6, 2021 Reply
14. rajendra bhatta
how much percentage will provide if i deposite 5 years fixed money.
March 24, 2021 Reply
* Admin
Hi Rajendra Ji, it depends upon the bank to bank for now fixed deposit
up to 3 years the highest you can get 8.75% with civil bank.
April 6, 2021 Reply
15. SAROJANI SGRESTHA
is the interest rate apply per month or per quarter?
March 15, 2021 Reply
* Admin
Sarojani Ji, interest rate calculated monthly but it’s added quarterly
to your saving account.
March 16, 2021 Reply
16. Jesica Duwal
hello sir , how can i collect the data of saving interest rate of different
banks in different year?
March 10, 2021 Reply
* Admin
Hi Jessica, it very difficult to find such type of data on the internet.
The other way is you can write a mail to each bank or visit the bank
personly with legitimate reason and documentation why you need this
data. I am not a hundred percent sure they will provide you the data,
but you can try once.
March 16, 2021 Reply
17. Minraj pant
Hello Sir, There any chance in future to increase in FD account. before
there was 10/12 % what is the main reason now all bank interest goes
down..?
February 22, 2021 Reply
* Admin
Hi Minraj ji, No there is a minimum chance of increasing FD interest
rate, hardly it goes up to 8%. The reason is covid-19 so the banks
already have huge much cash.
February 26, 2021 Reply
18. Divyaa
Hello Sir, I read your article about Recurring Deposit. Thank you very
much. please update regarding this topic in future also. My question is, Do
recurring deposit holder will get the total amount in the maturity or will
get interest like other FDs quarterly?
February 21, 2021 Reply
19. Punjali chaudhary
hello sir, is it riskier for FD in development bank ?? what is the
percentage of risk? as interest rate is higher than commercial bank. So,
this is going to be my first FD so i want to know more about it, whether i
should go with commercial bank. Or development bank. Please kindly give me
your suggestion
February 15, 2021 Reply
* Admin
Punjali ji, both commercial bank and development bank are good, but in
terms of trustworthiness, stability, usability and long term investment
commercial bank is far better than development. In terms of short time
investment, easy access, daily deposits, and high interest rate
development banks are better. Panjali ji development is not that much
riskier you can go with any development banks if you still curious or
confused you read our article on Development Banks in Nepal.
February 17, 2021 Reply
20. chheten sherpa
hello sir, what bank is the best for fd in nepal nowdays? how about rastria
banijya bank? please kindly give me your suggestion.
February 13, 2021 Reply
* Admin
Chheten ji, Rastriya Banijya Bank most reputed bank in Nepal blindly you
can go RBB for FD. But now in terms of higher interest rates around 8%,
you can try Prime Commercial Bank, Civil Bank, or NMB Bank as well.
February 17, 2021 Reply
* Chheten Sherpa
Thank you so much sir
February 18, 2021 Reply
« Older Comments
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