Nepal Bank Comparison
Compare interest rates, FD returns, and features across all Class A commercial banks in Nepal to find the best place for your money.
Last Updated: March 21, 2026
Disclaimer: Interest rates are fetched live but may vary. Please confirm with the respective bank before making any financial decisions.
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Bank Name | Class | Savings % | FD 1 Yr % ↓ | FD 2 Yr % | Min Balance | Digital | Branches |
|---|---|---|---|---|---|---|---|
Nepal Bank LimitedFD | A | 4.50% | 7.50% | 7.25% | रू 0 | 200 | |
NIC Asia Bank | A | 3.25% | 5.00% | 5.00% | रू 0 | 199 | |
Rastriya Banijya Bank | A | 2.80% | 5.00% | 5.00% | रू 0 | 248 | |
Himalayan Bank | A | 4.00% | 5.00% | 5.00% | रू 500 | 85 | |
Nabil Bank | A | 2.80% | 4.55% | 4.55% | रू 0 | 225 | |
Prabhu Bank | A | 3.00% | 4.55% | 4.55% | रू 0 | 220 | |
Citizens Bank | A | 3.15% | 4.50% | 4.50% | रू 0 | 140 | |
Nepal Investment Mega BankSaver | A | 4.75% | 4.50% | 4.50% | रू 0 | 300 | |
Global IME Bank | A | 2.75% | 4.50% | 4.50% | रू 0 | 350 | |
Sanima Bank | A | 2.80% | 4.50% | 4.50% | रू 0 | 98 | |
Everest Bank | A | 4.00% | 4.25% | 4.25% | रू 500 | 115 | |
Kumari Bank | A | 3.32% | 3.92% | 3.92% | रू 0 | 130 |
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How to choose the best bank in Nepal?
Choosing the right commercial bank in Nepal depends entirely on your financial goals. While some banks offer the highest interest rates on Fixed Deposits (FD), others might provide better digital banking services or have a wider branch network.
Key Factors to Consider:
- Interest Rates: If you are looking to grow your wealth, compare the Savings and Fixed Deposit (FD) rates. Even a 0.5% difference can mean thousands of rupees over a few years.
- Minimum Balance: Many banks now offer zero-balance accounts, which is great for students and regular savers. Others might require a minimum balance of रू 500 or more.
- Branch & ATM Network: If you travel frequently or live outside the Kathmandu valley, choosing a bank with a large network (like Global IME, NIC Asia, or Nabil) ensures you always have access to your money.
- Digital Banking: Almost all Class A banks offer mobile banking apps, but the quality and reliability of the service can vary. Ensure the bank supports easy fund transfers (ConnectIPS, Fonepay).
What are Class A Banks?
In Nepal, banks are categorized by Nepal Rastra Bank (NRB). Class A refers to Commercial Banks. They are the largest financial institutions, offering a full range of services including large-scale corporate lending, foreign exchange, and extensive branch networks.