A 3-year fixed deposit is the longest common FD tenure in Nepal and locks in a rate for an extended period. It suits savers with a clear long-term horizon who want certainty over the return on a portion of their money.
Fewer banks publish a 3-year rate than the shorter tenures, and the rates differ between them. The table below ranks every bank currently offering a 3-year FD, highest first.
Best 3-Year Fixed Deposit Rates in Nepal — Bank Comparison
1 Bank| # | Bank | Interest Rate | Action |
|---|---|---|---|
| 1 |
GIBL
Global IME BankHighest
|
4.50% |
Which bank offers the best 3-year FD rate in Nepal?
The bank at the top of the table above currently publishes the highest 3-year fixed deposit rate. Fewer banks offer this tenure, so the list may be shorter than for 1-year FDs.
Is locking money for 3 years a good idea?
A 3-year FD gives rate certainty for longer, which is attractive when rates may fall, but it reduces flexibility. Only commit funds you are confident you won't need during the term.
What happens at the end of the FD term?
At maturity the bank typically returns the principal plus interest, or renews the deposit if you set it to auto-renew. Confirm your bank's maturity instructions when opening the FD.
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.