A 3-month fixed deposit locks your money for one quarter in exchange for a rate higher than an ordinary savings account. It suits savers who want a better return than savings but need their funds back soon — for an upcoming expense, say, rather than a long horizon.
Short-tenure FD rates are sensitive to current banking liquidity and can differ sharply between banks. The table below ranks every bank publishing a 3-month FD rate, highest first.
Best 3-Month Fixed Deposit Rates in Nepal — Bank Comparison
3 Banks| # | Bank | Interest Rate | Action |
|---|---|---|---|
| 1 |
LSB
Laxmi Sunrise BankHighest
|
4.00% | |
| 2 |
GIBL
Global IME Bank
|
2.85% | |
| 3 |
NMB
NMB Bank
|
2.75% |
Which bank has the best 3-month FD rate in Nepal?
The bank at the top of the table above currently publishes the highest 3-month fixed deposit rate. Rates change often, so the ranking reflects the latest available data.
Is a 3-month FD worth it over a savings account?
A 3-month FD usually pays more than savings while still returning your money quickly. The trade-off is that the funds are locked for the term and early withdrawal may carry a penalty.
Can I withdraw a fixed deposit before maturity?
Most Nepali banks allow premature withdrawal but apply a penalty or a reduced interest rate. The exact terms vary by bank, so confirm before depositing.
What does the ✓ Verified badge mean?
It means the bank confirmed the rate directly through Byajdar's partner portal. Verified rates override scraped data for that bank and product.