Top 5 Commercial Banks in Nepal for Fixed Deposits in 2025

Investing in fixed deposits (FDs) is a popular way to grow your savings in Nepal. It’s a safe and reliable option that offers a guaranteed return on your investment. With 2025 in full swing, many are looking for the best commercial banks to entrust their hard-earned money. To help you make an informed decision, we’ve compiled a list of the top 5 commercial banks in Nepal for fixed deposits based on the latest interest rates and their reputation for stability and customer service.

Commercial Banks
Commercial Banks

1. Himalayan Bank

Himalayan Bank stands out with one of the most competitive interest rates in the market. It is a great option for long-term investors who want to maximize their returns.

  • Individual Fixed Deposit Rate: Up to 6.25% p.a. for a tenure of 5 years and above.
  • Key Features: Himalayan Bank is one of the most reputable banks in Nepal, with a long history of providing reliable services. They offer flexible tenure options and a loan facility of up to 90% of the FD amount.

2. Rastriya Banijya Bank

As a state-owned commercial bank, Rastriya Banijya Bank is a trusted name in the Nepali banking sector. It offers attractive interest rates on fixed deposits, making it a strong contender for your investment.

  • Individual Fixed Deposit Rate: Up to 6.00% p.a. for a tenure of 3 years and above.
  • Key Features: With an extensive network of branches across the country, Rastriya Banijya Bank is easily accessible. They offer a sense of security that comes with a government-backed institution.

3. Machhapuchchhre Bank

Machhapuchchhre Bank is a well-regarded commercial bank that provides a range of banking services. Their fixed deposit schemes are competitive and cater to different investment needs.

  • Individual Fixed Deposit Rate: Up to 6.00% p.a. for a tenure of 3 years and above. For remittance fixed deposits, the rate is even higher at 7.00% p.a. for the same tenure.
  • Key Features: Machhapuchchhre Bank is known for its customer-centric approach and modern banking facilities. They offer various fixed deposit products with different features to suit individual requirements.

4. Global IME Bank

Global IME Bank is one of the largest commercial banks in Nepal, with a wide range of products and services. Their fixed deposit rates are competitive, and they have a strong presence throughout the country.

  • Individual Fixed Deposit Rate: Up to 6.00% p.a. for a tenure of 3 years and above.
  • Key Features: Global IME Bank provides a seamless banking experience with its advanced digital banking platforms. They also offer attractive rates for institutional and remittance fixed deposits.

5. Prime Commercial Bank

Prime Commercial Bank has established itself as a reliable and efficient bank in Nepal. It offers competitive interest rates on fixed deposits, making it a good choice for savers.

  • Individual Fixed Deposit Rate: Up to 6.00% p.a. for a tenure of 1 year. They also offer a higher rate of 7.00% for remittance fixed deposits for the same tenure.
  • Key Features: Prime Commercial Bank is known for its excellent customer service and a variety of deposit schemes. They provide a loan facility against fixed deposits, which can be helpful in times of need.

Conclusion

Choosing the right bank for your fixed deposit is a crucial decision that depends on your financial goals and risk appetite. The banks listed above are some of the best options available in Nepal for 2025, offering a combination of high-interest rates, stability, and excellent customer service.

Disclaimer: The interest rates mentioned in this blog post are subject to change and are based on the latest available data. It is always advisable to contact the respective banks directly to get the most up-to-date information before making any investment decisions.

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