Why use this tool?
Rupees, lakh and crore native
Amounts are handled the Nepali way, with Nepali digit grouping, not foreign comma habits.
Current fiscal-year figures
Tax and salary tools state the fiscal year and slabs they use, so you can verify before you file.
Live calculation
Numbers update as you type, making what-if questions (a raise, a loan size, a bonus) instant.
Free and private
Your salary and loan details are calculated on your device only.
रुपैयाँ, लाख र करोड स्थानीय तरिकाले
रकमहरू नेपाली तरिकाले सम्हालिन्छन्, नेपाली अङ्क समूहिकरणसहित, विदेशी अल्पविराम बानीले होइन।
हालको आर्थिक वर्षका तथ्याङ्कहरू
कर र तलब उपकरणहरूले तिनले प्रयोग गर्ने आर्थिक वर्ष र स्ल्याबहरू बताउँछन्, त्यसैले तपाईंले फाइल गर्नुअघि प्रमाणित गर्न सक्नुहुन्छ।
लाइभ हिसाब
तपाईंले टाइप गर्दै जाँदा सङ्ख्याहरू अद्यावधिक हुन्छन्, जसले यदि भए के हुन्छ भन्ने प्रश्नहरू (वृद्धि, ऋणको आकार, बोनस) तुरुन्तै बनाउँछ।
निःशुल्क र निजी
तपाईंको तलब र ऋण विवरणहरू तपाईंको डिभाइसमा मात्र हिसाब हुन्छन्।
How to use this tool
- Enter the amounts (the result starts calculating immediately).
- Adjust any figure to compare scenarios; everything recalculates live.
- Copy the breakdown for your records or the discussion ahead.
- रकमहरू हाल्नुहोस् (परिणामले तुरुन्तै हिसाब गर्न थाल्छ)।
- परिदृश्यहरू तुलना गर्न कुनै पनि तथ्याङ्क मिलाउनुहोस्; सबै कुरा लाइभ फेरि हिसाब हुन्छ।
- तपाईंका रेकर्डहरू वा अगाडिको छलफलका लागि विवरण प्रतिलिपि गर्नुहोस्।
All verified rates, Kartik 2083 sheets (read 31 Oct 2026)
| Bank | Savings % | FD 1-year % | FD highest % | Highest at tenor | Base rate | Sheet effective | Source |
|---|---|---|---|---|---|---|---|
| NMB Bank | 2.75 | 2.75% | 4.50% | 5 Years and Above | - | Kartik 1, 2083 | Bank's rates page |
| Machhapuchchhre Bank | 2.75 | 3.00% | 4.50% | 3 years and above | - | Effective from 18 October, 2026 | Bank's rates page |
| Prabhu Bank | 2.75 | 2.75% | 4.25% | Above 10 years | - | October 18, 2026 (Kartik 01, 2083) | Bank's rates page |
| Nepal Bank | 2.75 | 2.76% | 4.15% | Above 10 Y | - | Effective From Kartik 01, 2083 (October 18, 2026) | Bank's rates page |
| Himalayan Bank | 2.75 | 3.00% | 4.00% | Above 5 Years Up to 10 Years | - | as displayed 31 Oct 2026 | Bank's rates page |
| Laxmi Sunrise Bank | 2.75 | 3.00% | 4.00% | 5 years and above | 4.88% | With effect from 18th October, 2026 | Bank's rates page |
| Nepal SBI Bank | 2.75 | 3.20% | 4.00% | ≥ 3 years and above | - | w.e.f. 18th October 2026 (1st Kartik 2083) | Bank's rates page |
| Citizens Bank International | 2.75 | 2.90% | 3.85% | 24 Months and above | - | as displayed 31 Oct 2026 | Bank's rates page |
| Siddhartha Bank | 2.75 | 2.75% | 3.76% | Above 5 years | 4.93% | Effective from October 18, 2026 | Bank's rates page |
| Nabil Bank | 2.75 | 2.80% | 3.75% | Above 10 years | - | 1st Kartik 2083 | Bank's rates page |
| Everest Bank | 2.75 | 2.75% | 3.75% | Above 3 years | - | 1st Kartik 2083 (18th October 2026) | Bank's rates page |
| Kumari Bank | 2.75 | 2.80% | 3.73% | 2 Years and above | 4.85% | Effective From 01 Ashwin 2083 (17 September 2026) | Bank's rates page |
| Standard Chartered Bank Nepal | 2.75 | 2.75% | 3.70% | Above 5 years | 4.12% | 18th October 2026 | Bank's rates page |
Banks whose current sheet could not be text-read
These banks publish their rates on their own sites, but as image scans or app-rendered tables that could not be read reliably when this page was built. Rather than guess their numbers, here are their official pages:
- Nepal Investment Mega Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Rastriya Banijya Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- NIC Asia Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Global IME Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Sanima Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Prime Commercial Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Agricultural Development Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
What to know before comparing. (1) Rates are for individual (personal) NPR deposits; institutional rates are lower, and most banks pay about 1 percentage point more on remittance FDs, if your money comes from abroad, ask for the remittance column. (2) Banks revise rates monthly, usually effective the 1st of the Nepali month; most sheets above took effect 1 Kartik 2083 (18 Oct 2026). Confirm on the bank's page (linked in the table) before depositing. (3) Interest on FDs and savings is taxed at source: 5% TDS for resident individuals. (4) Civil Bank no longer publishes rates, it merged into Himalayan Bank in 2023. (5) The calculator compounds quarterly, the usual FD practice, and shows pre-tax interest.
सबै प्रमाणित दरहरू, कार्तिक 2083 का पानाहरू (31 Oct 2026 मा पढिएको)
| Bank | Savings % | FD 1-year % | FD highest % | Highest at tenor | Base rate | Sheet effective | Source |
|---|---|---|---|---|---|---|---|
| NMB Bank | 2.75 | 2.75% | 4.50% | 5 Years and Above | - | Kartik 1, 2083 | Bank's rates page |
| Machhapuchchhre Bank | 2.75 | 3.00% | 4.50% | 3 years and above | - | Effective from 18 October, 2026 | Bank's rates page |
| Prabhu Bank | 2.75 | 2.75% | 4.25% | Above 10 years | - | October 18, 2026 (Kartik 01, 2083) | Bank's rates page |
| Nepal Bank | 2.75 | 2.76% | 4.15% | Above 10 Y | - | Effective From Kartik 01, 2083 (October 18, 2026) | Bank's rates page |
| Himalayan Bank | 2.75 | 3.00% | 4.00% | Above 5 Years Up to 10 Years | - | as displayed 31 Oct 2026 | Bank's rates page |
| Laxmi Sunrise Bank | 2.75 | 3.00% | 4.00% | 5 years and above | 4.88% | With effect from 18th October, 2026 | Bank's rates page |
| Nepal SBI Bank | 2.75 | 3.20% | 4.00% | ≥ 3 years and above | - | w.e.f. 18th October 2026 (1st Kartik 2083) | Bank's rates page |
| Citizens Bank International | 2.75 | 2.90% | 3.85% | 24 Months and above | - | as displayed 31 Oct 2026 | Bank's rates page |
| Siddhartha Bank | 2.75 | 2.75% | 3.76% | Above 5 years | 4.93% | Effective from October 18, 2026 | Bank's rates page |
| Nabil Bank | 2.75 | 2.80% | 3.75% | Above 10 years | - | 1st Kartik 2083 | Bank's rates page |
| Everest Bank | 2.75 | 2.75% | 3.75% | Above 3 years | - | 1st Kartik 2083 (18th October 2026) | Bank's rates page |
| Kumari Bank | 2.75 | 2.80% | 3.73% | 2 Years and above | 4.85% | Effective From 01 Ashwin 2083 (17 September 2026) | Bank's rates page |
| Standard Chartered Bank Nepal | 2.75 | 2.75% | 3.70% | Above 5 years | 4.12% | 18th October 2026 | Bank's rates page |
हालको पाना टेक्स्टका रूपमा पढ्न नसकिएका बैंकहरू
यी बैंकहरूले आफ्ना दरहरू आफ्नै साइटमा प्रकाशित गर्छन्, तर यो पेज बन्दा भरपर्दो रूपमा पढ्न नसकिने छवि स्क्यान वा एपले देखाउने तालिकाका रूपमा। तिनीहरूका अङ्क अनुमान गर्नुको सट्टा, यहाँ तिनीहरूका आधिकारिक पेजहरू छन्:
- Nepal Investment Mega Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Rastriya Banijya Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- NIC Asia Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Global IME Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Sanima Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Prime Commercial Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
- Agricultural Development Bank, official interest-rate page (its current sheet could not be read as text when this page was built; the rates are published there)
तुलना गर्नुअघि के थाहा पाउने। (1) दरहरू व्यक्तिगत (निजी) NPR निक्षेपका लागि हुन्; संस्थागत दरहरू कम छन्, र धेरैजसो बैंकले रेमिट्यान्स FD मा करिब 1 प्रतिशत बिन्दु बढी तिर्छन्, तपाईंको पैसा विदेशबाट आउँछ भने, रेमिट्यान्स स्तम्भ माग्नुहोस्। (2) बैंकहरूले दरहरू मासिक रूपमा संशोधन गर्छन्, सामान्यतया नेपाली महिनाको 1 गतेदेखि लागू हुने गरी; माथिका धेरैजसो पाना 1 कार्तिक 2083 (18 Oct 2026) देखि लागू भएका थिए। निक्षेप गर्नुअघि बैंकको पेजमा (तालिकामा लिङ्क गरिएको) पक्का गर्नुहोस्। (3) FD र बचतमा ब्याजमा स्रोतमै कर लाग्छ: बासिन्दा व्यक्तिका लागि 5% TDS। (4) सिभिल बैंकले अब दरहरू प्रकाशित गर्दैन, यो 2023 मा हिमालयन बैंकमा गाभियो। (5) क्याल्कुलेटरले त्रैमासिक रूपमा चक्रवृद्धि गर्छ, सामान्य FD अभ्यास, र कर अघिको ब्याज देखाउँछ।
Common use cases
Salary and tax planning
Know your take-home and TDS before the payslip surprises you.
Loans and savings
EMI, interest and growth worked out before you sign anything.
Business pricing
VAT, margins and conversions done consistently.
तलब र कर योजना
तलब पर्चीले तपाईंलाई छक्क पार्नुअघि आफ्नो हातमा आउने रकम र TDS थाहा पाउनुहोस्।
ऋण र बचत
तपाईंले कुनै कुरामा हस्ताक्षर गर्नुअघि निकालिएका EMI, ब्याज र वृद्धि।
व्यवसाय मूल्य निर्धारण
VAT, मार्जिन र रूपान्तरणहरू लगातार एउटै तरिकाले गरिएका हुन्छन्।
Frequently asked questions
Which bank gives the highest FD rate in Nepal?
On the Kartik 2083 sheets read on 31 Oct 2026, NMB Bank ties at the top with 4.50%, but only at its longest tenor (5 Years and Above). For a plain 1-year FD the ranking differs; use the comparison above with '1-year FD rate' selected.
Why is one bank missing from the numbers?
Seven banks publish rates only as images or app-rendered pages that could not be read as text. They are listed with links to their official rate pages instead of guessed numbers.
Do these rates include remittance offers?
No, these are the standard individual rates. Remittance FD/savings columns at most banks pay roughly 1 point more.
Is this tool free? Does it upload my data?
Yes, it is completely free with no sign-up. It runs entirely in your browser on your own device, your text and files are never uploaded to any server.
नेपालमा कुन बैंकले सबैभन्दा उच्च FD दर दिन्छ?
31 Oct 2026 मा पढिएका कार्तिक 2083 का पानाहरूमा, NMB Bank 4.50% सहित शीर्षमा बराबरीमा छ, तर त्यसको सबैभन्दा लामो अवधिमा मात्र (5 Years and Above)। सादा 1 वर्षे FD का लागि वरीयता फरक छ; माथिको तुलनामा '1-year FD rate' छानेर प्रयोग गर्नुहोस्।
किन एउटा बैंक अङ्कहरूबाट छुटेको छ?
सात बैंकले दरहरू टेक्स्टका रूपमा पढ्न नसकिने छवि वा एपले देखाउने पेजका रूपमा मात्र प्रकाशित गर्छन्। अनुमान गरिएका अङ्कको सट्टा तिनीहरूलाई तिनीहरूका आधिकारिक दर पेजका लिङ्कसहित सूचीबद्ध गरिएको छ।
के यी दरहरूमा रेमिट्यान्स प्रस्तावहरू समावेश छन्?
छैनन्, यी मानक व्यक्तिगत दरहरू हुन्। धेरैजसो बैंकमा रेमिट्यान्स FD/बचत स्तम्भहरूले करिब 1 बिन्दु बढी तिर्छन्।
के यो tool निःशुल्क हो? के यसले मेरो data upload गर्छ?
हो, यो पूर्ण रूपमा निःशुल्क छ र sign-up पनि चाहिँदैन। यो तपाईंको browser मा तपाईंको आफ्नै device मा चल्छ, तपाईंको text र files कुनै server मा कहिल्यै upload हुँदैनन्।