Fixed Deposit Calculator
Calculate your fixed deposit returns with accurate interest calculations, tax analysis, and bank comparisons. Plan your investments with detailed maturity projections and premature withdrawal scenarios for Nepal banks.
Fixed Deposit Calculator
Nepal's best FD calculator - Plan for your future
FD Details
Required
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Minimum: रु. 1,000
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Current market rate
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3 months to 10 years
Compounding Frequency
Additional Options:
Current FD Rates
- • 1 Year: 6.5% - 8.5%
- • 2-3 Years: 7.0% - 9.0%
- • 5+ Years: 7.5% - 9.5%
- • Senior citizen premium: +0.5%
Investment Features
- • Guaranteed returns
- • Flexible tenure options
- • Auto-renewal facility
- • Loan against FD available
Tax Implications
- TDS on interest if > रु. 2,000
- • Interest taxable as income
- • Form 15G/H for no TDS
- • Tax optimization strategies
Investment Tips
- • Laddering strategy for liquidity
- • Compare rates across banks
- • Consider cumulative vs non-cumulative
- • Plan for interest reinvestment
Best Fixed Deposit Rates in Nepal (2024/25)
Class A Commercial Banks
- NIC Asia Bank: Up to 9.25%
- Everest Bank: Up to 9.00%
- Standard Chartered: Up to 8.75%
- Himalayan Bank: Up to 8.50%
Development Banks
- Muktinath Bikas Bank: Up to 9.50%
- Garima Bikas Bank: Up to 9.25%
- Mahalaxmi Bikas Bank: Up to 9.00%
- SHINE RESUNGA: Up to 8.75%
Important Considerations
- Minimum deposit amount varies by bank (typically रु. 1,000 to रु. 10,000)
- Premature withdrawal penalties range from 1-2% reduction in interest rate
- Interest calculation: Simple interest for < 1 year, compound for > 1 year
- TDS deducted at source if annual interest exceeds रु. 2,000
- Senior citizens (65+) get additional 0.5% interest in most banks
- Joint account holders can optimize tax liability
FD Investment Strategies
Laddering Strategy
- Split investment across tenures
- Regular maturity for liquidity
- Average out interest rate risk
- Reinvest at better rates
Tax Optimization
- Use family member accounts
- Plan maturity dates carefully
- Consider cumulative vs non-cumulative
- Form 15G for lower income
Liquidity Management
- Keep emergency fund separate
- Use loan against FD facility
- Plan for systematic withdrawals
- Consider liquid funds for short-term
Disclaimer & Important Notes
- • Fixed deposit rates are subject to change as per Nepal Rastra Bank directives
- • Interest rates may vary based on deposit amount and customer relationship
- • Tax calculations are indicative and based on current tax slabs
- • Consult your bank for exact terms and conditions before investing
- • Consider inflation impact on real returns for long-term investments