FD interest
·

By Sandeep Chaudhary

Nepal Commercial Bank Fixed Deposit Interest Rates: A Three-Month Comparative Analysis

Nepal Commercial Bank Fixed Deposit Interest Rates: A Three-Month Comparative Analysis

In the ever-evolving financial landscape, the interest rates on fixed deposits offered by various banks in Nepal have shown noticeable changes over the past three months. This report delves into the interest rates for Ashar, Jestha, and Baishakh, providing insights and interpretations based on the observed trends

Key Observations

  • Consistent Rates:

    • Banks such as Siddhartha Bank Limited (SBL), Standard Chartered Bank (SCB), and Nepal Bangladesh Bank (NBL) maintained consistent interest rates over the three months, indicating stability and a conservative approach to interest rate adjustments.

  • Significant Decreases:

    • Global IME Bank Limited (GBIME) and Kist Bank Limited (KBL) experienced notable decreases of -1.00% and -0.70%, respectively. These significant drops suggest possible shifts in their financial policies or a response to changes in the broader economic environment.

  • Incremental Adjustments:

    • Banks like NABIL Bank Limited (NABIL) and Citizens Bank International Limited (CZBIL) made slight positive adjustments to their interest rates, possibly to remain competitive and attract more fixed deposit customers.

Interpretation and Market Sentiment

The average change across all listed banks was -0.14%, suggesting a slight downward trend in fixed deposit interest rates overall. This decline could be influenced by various macroeconomic factors such as inflation, changes in central bank policies, or market competition.

For investors, these fluctuations in fixed deposit interest rates highlight the importance of monitoring market conditions and financial institution policies. While some banks are adopting aggressive strategies to increase their interest rates and attract more deposits, others are maintaining or slightly reducing their rates, reflecting a more cautious approach.

Investors seeking stable returns might favor banks with consistent interest rates, while those looking for potentially higher returns might consider banks that have recently increased their rates. However, the overall slight decrease in average rates suggests a need for careful consideration of the broader economic context and individual financial goals.

In conclusion, the fixed deposit interest rates in Nepal show a diverse range of strategies among banks, with some prioritizing stability and others making strategic adjustments to their rates. As the financial landscape continues to evolve, staying informed and making data-driven decisions remains crucial for optimizing returns on fixed deposit investments.

Related Blogs

Nepal’s Foreign Trade Shows Signs of Recovery, but Structural Challenges Persist
Top

4 min read

Nepal’s Foreign Trade Shows Signs of Recovery, but Structural Challenges Persist

Nepal’s Foreign Trade Shows Signs of Recovery, but Structural Challenges Persist Nepal’s foreign trade, which had been grappling with a prolonged contraction until recently, is exhibiting signs of recovery, according to the latest data released by the Bhansar Department (Department of Customs). The figures for the first eight months of the current fiscal year (mid-July 2024 to mid-March 2025) indicate a significant uptick in both imports and exports, resulting in an overall expansion of the country’s total foreign trade volume. However, a deeper analysis reveals that this growth masks underlying structural weaknesses that continue to hinder Nepal’s economic self-reliance.

DIPESH TOP 10 RESEARCH TOP 10 RESEARCH

·

30 Mar, 2025

Gold Prices in Nepal Soar to Record Highs: Economic Implications and Smuggling Concerns Rise
Top

4 min read

Gold Prices in Nepal Soar to Record Highs: Economic Implications and Smuggling Concerns Rise

Gold Prices in Nepal Soar to Record Highs: Economic Implications and Smuggling Concerns Rise The price of gold in Nepal has witnessed unprecedented fluctuations in recent years, reaching historic highs and raising concerns about the country’s economy and the growing shadow of gold smuggling. From 2075–76 BS (2018–19 CE) to 2081–82 BS (2024–25 CE), the price per tola (approximately 11.66 grams) has skyrocketed, reflecting both global trends and local policy challenges. On Chaitra 2, 2081 (March 16, 2025), the price hit Rs 175,200 per tola, only to climb further to Rs 176,000 the very next day, according to the Federation of Nepal Gold and Silver Dealers’ Association. While a slight decline is anticipated in the coming days, the rapid rise and fall of gold prices in such a short span have sparked debates about economic stability.

DIPESH TOP 10 RESEARCH TOP 10 RESEARCH

·

26 Mar, 2025

Nepal Faces Budget Crunch as Mandatory Liabilities Outpace Revenue, Ministries Brace for Cuts
Top

4 min read

Nepal Faces Budget Crunch as Mandatory Liabilities Outpace Revenue, Ministries Brace for Cuts

Nepal Faces Budget Crunch as Mandatory Liabilities Outpace Revenue, Ministries Brace for Cuts Nepal’s government is grappling with a growing fiscal challenge as mandatory expenditures, such as public debt servicing and social security payments, continue to rise while revenue collection falls short of targets. This imbalance has cast a shadow over the budget for the upcoming fiscal year (FY) 2082-83 (2025-26), with the National Resource Estimation Committee setting a budget ceiling of NPR 1.965 trillion. While this is slightly higher than the current FY 2081-82’s allocation of NPR 1.860 trillion, the increase is insufficient to offset escalating obligatory costs, leaving most ministries—particularly those reliant on capital expenditure—facing potential budget cuts.

DIPESH TOP 10 RESEARCH TOP 10 RESEARCH

·

24 Mar, 2025

Nepal’s Economic Journey: The Promise and Challenges of Liberal Policies
Top

4 min read

Nepal’s Economic Journey: The Promise and Challenges of Liberal Policies

Nepal’s Economic Journey: The Promise and Challenges of Liberal Policies The question of "Who is the government for?" remains a perennial debate across the globe, and Nepal is no exception. As political systems evolve, they attempt to answer this through governance structures and economic policies. Ideally, a government represents all citizens of a nation, tasked with safeguarding their economic, social, and political rights. However, in practice, not all governments succeed in fulfilling this mandate. Some lack the capacity to address citizens’ aspirations, while others fail due to insensitivity, leading to widespread discontent. Nepal’s own history and its ongoing economic transformation provide a lens to examine this dynamic.

Dipesh Ghimire

·

24 Mar, 2025

Nepal Faces Growing Budget Deficit as Government Prepares for FY 2082/83
Top

5 min read

Nepal Faces Growing Budget Deficit as Government Prepares for FY 2082/83

Nepal Faces Growing Budget Deficit as Government Prepares for FY 2082/83 Nepal’s government is gearing up to present yet another deficit budget for the upcoming fiscal year (FY) 2082/83, with an estimated shortfall of approximately NPR 700 billion (7 kharba). The National Planning Commission (NPC) has set a budget ceiling of NPR 1.906 trillion (19 kharba 6 arba 50 crore), but revenue projections and grants fall significantly short, forcing the government to rely heavily on internal and external borrowing to bridge the gap. This persistent trend of deficit budgeting, a practice spanning the last 15 years, underscores the country’s struggle to expand its revenue base and manage escalating debt obligations.

Dipesh Ghimire

·

23 Mar, 2025

Nepal’s Loan Growth Continues Despite Weak Demand, Sectoral Disparities Emerge
Top

4 min read

Nepal’s Loan Growth Continues Despite Weak Demand, Sectoral Disparities Emerge

Nepal’s Loan Growth Continues Despite Weak Demand, Sectoral Disparities Emerge Nepal’s banking and financial institutions have witnessed a sustained increase in annual loan growth, with a notable expansion in key sectors such as electricity, hotels, agriculture, real estate, consumption, and construction. According to data released by Nepal Rastra Bank (NRB), the country’s central bank, overall loan disbursement rose by 6.90% in the current fiscal year up to mid-February (Magh), despite a lack of strong demand for credit. However, while 10 out of 15 tracked sectors showed robust investment growth, five sectors experienced a contraction, raising concerns about uneven economic progress.

Dipesh Ghimire

·

22 Mar, 2025

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment
Top

4 min read

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment

Nepal’s Parliament Swiftly Passes Bills to Boost Economic Development and Investment Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

21 Mar, 2025

Nepal Attracts Rs 44.66 Billion in Foreign Investment Commitments in First Eight Months of FY 2081/82
Top

4 min read

Nepal Attracts Rs 44.66 Billion in Foreign Investment Commitments in First Eight Months of FY 2081/82

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

19 Mar, 2025

Nepal’s Public Debt Climbs to 46.91% of GDP, Rises by Rs 241.93 Billion in Eight Months Amid Dollar Surge
Popular News

3 min read

Nepal’s Public Debt Climbs to 46.91% of GDP, Rises by Rs 241.93 Billion in Eight Months Amid Dollar Surge

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

18 Mar, 2025

Maha prasad Adhikari’s Leadership at Nepal Rastra Bank: Experience Overshadowed by Weak Support
Top

3 min read

Maha prasad Adhikari’s Leadership at Nepal Rastra Bank: Experience Overshadowed by Weak Support

Dipesh Ghimire has emerged as a prominent figure in Nepal’s journalism landscape, particularly renowned for his incisive reporting on the stock market. With a career marked by dedication, he has conducted over 5,000 interviews, including more than 100 with stock market investors, showcasing his deep engagement with the financial sector. His work has become a vital resource for investors seeking to navigate the complexities of Nepal’s share market, offering insights into trends, challenges, and opportunities. Currently, Ghimire serves as the operator and editor of Nepse Trading (https://www.nepsetrading.com/), a leading platform that delivers news, analysis, and updates on Nepal’s stock exchange. The website has established itself as a go-to source for investors, providing detailed reports on market movements, company performances, and investment prospects. Complementing this, his YouTube channel (https://www.youtube.com/@news.nepsetrading) offers visual and audio content, including interviews and market breakdowns, making stock-related information accessible to a broader audience. Through these platforms, Ghimire has played a pivotal role in enhancing transparency and awareness in Nepal’s financial ecosystem. Ghimire’s journalistic approach is rooted in facts, impartiality, and professionalism. His extensive interviews with investors not only highlight their personal experiences—successes and struggles alike—but also shed light on the broader dynamics of the stock market. This has proven invaluable for both novice and seasoned investors, helping them understand market intricacies and devise informed strategies. His efforts have bridged the gap between the technical world of stock trading and the general public, fostering a culture of informed investment in Nepal. On a personal note, Dipesh Ghimire is married to Simrita Pokharel, and the couple has a daughter named Shridi Ghimire. Balancing his family life with a demanding career, he continues to contribute tirelessly to financial journalism. His commitment has earned him credibility and respect among peers and investors alike, cementing his reputation as a trusted voice in the field. As Nepal’s stock market sees growing participation, the role of journalists like Ghimire becomes increasingly significant. With the rise in retail investors, there is a pressing need for reliable information and analysis— a gap that Ghimire effectively fills through Nepse Trading and his YouTube channel. His platforms empower investors to make sound decisions by demystifying market trends and offering real-time updates. This accessibility has not only boosted confidence in the stock market but also contributed to the development of a more robust investment culture in the country. Ghimire’s work stands out in Nepal’s financial journalism for its depth and reach. By leveraging both written and multimedia platforms, he has set a new standard for reporting on the stock market. His contributions have added a fresh dimension to the field, and there is widespread anticipation that he will continue to shape the discourse around Nepal’s financial markets in the years ahead. For now, Dipesh Ghimire remains a key figure driving awareness and accountability in the nation’s stock trading community.

Dipesh Ghimire

·

17 Mar, 2025