Commercial banks in Nepal have announced their new fixed deposit (FD) interest rates for the month of Ashad, with most institutions choosing to keep rates unchanged while a few introduced modest reductions, particularly for individual depositors.
According to the updated interest rate schedules published by all 20 commercial banks, the banking sector continues to maintain a relatively stable deposit environment. Although most banks retained existing rates for both individual and institutional customers, some banks adjusted their offerings downward amid changing liquidity and market conditions.
Among all commercial banks, NMB Bank continues to provide the highest return on individual fixed deposits, offering 4.75%, despite reducing the rate slightly from 4.80% in the previous month of Jestha. Rastriya Banijya Bank also offers an equal 4.75% interest rate for individual fixed deposits.
On the institutional deposit side, NMB Bank and Rastriya Banijya Bank remain the market leaders, each offering 4.00%, the highest institutional FD rate currently available among commercial banks.
Several banks introduced reductions in individual deposit rates during the latest revision cycle. Laxmi Sunrise Bank and NIC Asia Bank recorded the sharpest decline, cutting rates by 0.50 percentage points, bringing their individual FD returns down from 4.50% to 4.00%. Similarly, Himalayan Bank lowered its individual FD rate by 0.25 percentage points to 4.00%.
Institutional deposit rates remained largely stable across the banking sector. However, NIC Asia Bank reduced its institutional FD rate from 3.50% to 3.00%, while Standard Chartered Bank Nepal moved in the opposite direction, increasing its institutional deposit rate from 2.48% to 2.75%.
A total of 13 commercial banks kept their FD rates unchanged for Ashad. These include Agricultural Development Bank, Citizens Bank International, Everest Bank, Global IME Bank, Machhapuchchhre Bank, Nabil Bank, Nepal Bank, Nepal Investment Mega Bank, Nepal SBI Bank, Prabhu Bank, Rastriya Banijya Bank, Sanima Bank, and Siddhartha Bank.
The latest FD rate announcements suggest that banks continue to prioritize liquidity stability while competing cautiously for deposits. For savers, fixed deposits remain a low-risk investment option, though returns continue to stay at relatively moderate levels compared to previous years.
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