Best today 1-yr FD 6.65% · Home loan from 4.21% · USD→NPR 151.22 Verified daily
GUIDES & ANALYSIS

Byajdar Blog

Guides and analysis on Nepal's bank interest rates — fixed deposits, savings, and loans — backed by bank-verified data we update daily.नेपालका बैंक ब्याज दरमा गाइड र विश्लेषण — मुद्दती निक्षेप, बचत र कर्जा — दैनिक अद्यावधिक बैंक-प्रमाणित डेटामा आधारित।

Guide · Payments

What Is ConnectIPS? Nepal's Bank-to-Bank Payment App

ConnectIPS isn't a wallet — it moves money straight between banks. What it is, how to register and link a bank, fees and limits, and when to use it vs eSewa/Khalti.

Updated 2083 · 6 min read
Guide · Payments

How to Load Money in Khalti (From Bank, Card & Agent)

Every way to add money to Khalti — from your bank, mobile banking, ConnectIPS, a card or a Khalti point — step by step, with fees, limits and fixes.

Updated 2083 · 6 min read
Guide · Payments

Khalti vs IME Pay: Which Is Better in Nepal?

Khalti's bills-and-ticketing strength vs IME Pay's remittance network — compared head-to-head on features, fees and QR. Which wallet fits how you use money.

Updated 2083 · 6 min read
Guide · Payments

eSewa vs IME Pay: Which Is Better in Nepal?

eSewa's wide acceptance vs IME Pay's remittance network — compared head-to-head on features, fees and QR. Which wallet fits how you actually use money.

Updated 2083 · 6 min read
Guide · Payments

How to Load Money in eSewa (From Bank, Card & Agent)

Every way to add money to eSewa — from your bank, mobile banking, ConnectIPS, a card or a load agent — step by step, with fees, limits and fixes.

Updated 2083 · 6 min read
Guide · Payments

eSewa vs Khalti: Which Is Better in Nepal?

Nepal's two biggest digital wallets, head-to-head — acceptance, features, ticketing, fees and QR. Which should you actually use, and why the answer is often both.

Updated 2083 · 6 min read
Guide · Banks

How Many Classes of Banks Are There in Nepal? A, B, C & D Explained

Nepal Rastra Bank licenses banks in four classes — A commercial, B development, C finance, D microfinance. What each means and how they differ for a depositor.

Updated 2083 · 6 min read
Guide · Banks

Best Banks in Nepal 2026: Best for Savings, FD, Safety & Rates

There is no single best bank in Nepal — it depends on your goal. The best bank for savings, for FD, for safety, and for the highest interest rate.

Updated 2083 · 6 min read
Guide · Payments

Does PayPal Work in Nepal? Availability, Banks & How to Use It

PayPal is available in Nepal for sending, but you can't withdraw a balance to a Nepali bank. What works, which banks help, legality, and how to use it.

Updated 2083 · 6 min read
Guide · FD Returns

How Much Interest on a Fixed Deposit in Nepal? (5, 10 & 25 Lakh)

Worked examples of what a 5, 10 or 25 lakh FD pays after the 5% tax, the simple-interest formula for any amount, and a free calculator.

Updated 2083 · 4 min read
Guide · FD Tax

Fixed Deposit Tax in Nepal: TDS on FD Interest (5% or 15%)

How much tax you pay on FD interest — 5% with a PAN, 15% without — how it is deducted, net-rate examples, and whether it is the final tax.

Updated 2083 · 4 min read
Guide · Deposit Safety

Is Fixed Deposit Safe in Nepal? DCGC Guarantee Explained

The DCGC insures up to NPR 5 lakh per depositor per institution. What it covers, whether a higher rate is riskier, and how to protect large deposits.

Updated 2083 · 4 min read
Monthly Update · FD Rates

Best FD Rates in Nepal — Shrawan 2083

Top 1-year FD rates ranked for Shrawan 2083, with the current market snapshot, TDS notes, and safety guidance. Nepal Finance leads at 5.50%.

Shrawan 2083 · 5 min read
Answer · FD Rates

Which Bank Gives the Highest FD Interest Rate in Nepal?

A direct answer to the most-asked FD question, the current rate leaders, and the commercial-bank vs finance-company safety trade-off.

Updated daily · 4 min read
Guide · FD vs Savings

Fixed Deposit vs Savings Account in Nepal: Which Is Better?

Interest rates, liquidity, tax, and a simple strategy for splitting your money between an FD and a savings account.

Updated 2083 · 5 min read
Analysis · FD Rates

Best Bank for Fixed Deposit in Nepal 2082/83

Which bank gives the highest FD interest rate in Nepal in 2082/83? We rank the top banks by 1-year FD rate, safety, and minimum deposit.

Updated Ashadh 2083 · 5 min read
Monthly Update · FD Rates

Best FD Rates in Nepal — Ashad 2083

Finance companies up to 6.65%, commercial banks up to 4.80%. Full bank-by-bank breakdown for Ashad 2083 with TDS tables and NRB policy context.

Updated Ashad 2083 · 5 min read
Guide · Savings Accounts

Savings Account Interest Rates in Nepal 2026

Finance companies pay 5–7%, commercial banks 2.5–4%. This guide covers every bank class, TDS rules, premium vs regular savings, and how to pick.

Updated daily · 6 min read
Guide · Fixed Deposits

Fixed Deposit Interest Rates in Nepal

The complete evergreen guide: live bank-by-bank FD rates, how interest is calculated, FD tax (TDS), senior-citizen rates, and finance vs commercial yields.

Updated daily · 5 min read
Analysis · FD Rates

Best Fixed Deposit (FD) Rates in Nepal — Jestha 2083

Monthly snapshot of the highest 1-year and 2-year FD rates among Nepali commercial banks, with maturity examples and the live comparison.

Jestha 2083 · 4 min read