Nepal Bank Fixed Deposit (FD) Interest & Return Calculator
Calculate maturity interest returns, monthly/quarterly interest payout options, and 5% Tax Deduction at Source (TDS) for Fixed Deposits across Nepalese commercial banks, development banks, and finance companies.
Key Features
- Supports Cumulative Maturity Payout and Periodic Monthly/Quarterly Payouts
- Automatic calculation of 5% tax (TDS) on interest income in Nepal
- Comparison between Commercial Bank, Development Bank, and Finance rates
- Invested Principal vs Net Taxed Interest visual breakdown chart
- Net return summary after tax
How to Use Nepal Bank Fixed Deposit Yield & TDS Calculator
- Enter FD Principal Deposit Amount (in NPR).
- Enter Annual Interest Rate (%) offered by the bank.
- Set deposit tenure in months or years.
- Select Payout Frequency (On Maturity, Quarterly, or Monthly).
- Review total gross interest, 5% TDS deduction, and net maturity payout.
Frequently Asked Questions
What is the tax (TDS) rate on Fixed Deposit interest in Nepal?
Under Nepalese tax laws, individual depositors pay 5% withholding tax (TDS) on earned FD interest.
What is the difference between Monthly Payout FD and Maturity FD?
Monthly Payout pays earned interest into your savings account every month, while Maturity FD compounds interest until tenure completion for higher overall yields.
Are fixed deposit interest rates higher in Development Banks than Commercial Banks?
Development banks and finance companies in Nepal often offer 0.5% to 1.5% higher annual interest rates than top commercial banks.
Is this calculator updated for current Nepalese banking rules?
Yes, it incorporates the standard 5% IRD tax deduction and banking interest compound formulas.