Nepal Bank Interest Comparison Calculator
नेपाल बैंक ब्याज तुलना क्याल्कुलेटर
Compare fixed-deposit maturity across 19 Nepali banks using Ashwin 2083 rates, quarterly compounding and 5% TDS.
Compare fixed-deposit interest across 19 Nepali banks. Enter an amount and tenure to see gross interest, 5% TDS, net maturity value and the best-paying bank.
| Bank | Rate | Tenure | Gross interest | TDS | Net maturity |
|---|
Best published individual fixed-deposit rates for Ashwin 2083, with 5% TDS and quarterly compounding. Banks may change rates without notice; confirm with the bank before depositing.
About the Nepal bank interest comparison calculator
This tool compares fixed-deposit returns across 19 Nepali banks using their published Ashwin 2083 rates. Enter a deposit amount and choose a tenure to see the maturity value, total interest, annual interest and the effect of 5% tax deducted at source (TDS). Only banks whose minimum qualifying tenure is within the selected term are included, so the net maturity figures are compared over the same period.
How fixed-deposit interest is calculated in Nepal
Most Nepali banks compound fixed-deposit interest quarterly. The nominal annual rate is divided by four, and interest is added to the principal every three months. Over a year that produces a slightly higher effective annual yield than the quoted rate. This calculator uses quarterly compounding, which matches the common practice for individual fixed deposits.
5% TDS and senior-citizen bonus
Interest earned by individuals is subject to 5% tax deducted at source. The calculator deducts it from the interest, not from the principal. Banks also add 0.5 percentage points for senior citizens on many deposit products. Tick the senior-citizen option to apply that bonus where the bank advertises it.
Tenure and minimum qualifying periods
Each bank has its own minimum tenure for a product and its own rate ladder. The comparison uses each bank?s best published rate at its minimum qualifying tenure, applied to the term you select as a planning estimate. Longer-tenure rates can differ from the advertised minimum-tenure rate, so confirm the exact product and tenure at the branch before depositing.
What is not included
The estimate does not include account fees, premature-withdrawal penalties, minimum-balance rules, promotional rates or changes after the Ashwin 2083 snapshot. It also assumes interest is reinvested and not withdrawn. Use it as a shortlist, then ask each bank for a written quote.