Senior Citizen FD Rates in Nepal
Most banks in Nepal add a bonus of 0.25% to 1% on top of the published fixed deposit rate for senior citizens — usually age 60 and above, though some banks start at 50. The bonus is rarely printed in the public rate sheet, so you must ask the branch directly when booking the FD.नेपालका धेरै बैंकले ज्येष्ठ नागरिक (सामान्यतया ६० वर्षमाथि, केही बैंकमा ५० देखि) लाई प्रकाशित मुद्दती निक्षेप दरमाथि ०.२५% देखि १% थप दिन्छन्। यो बोनस सार्वजनिक दर तालिकामा विरलै लेखिन्छ, त्यसैले FD बुक गर्दा शाखामै सोध्नुपर्छ।
Why Senior Citizens Get a Higher Rate
Banks in Nepal compete for stable, long-term deposits, and retirees are exactly that kind of depositor. To attract them, most banks offer a senior-citizen top-up — a small premium above the standard FD rate. On a 6.00% published rate, a 0.50% bonus means a senior earns 6.50% on the same deposit, same tenure. Over a large balance held for several years, that difference is meaningful.नेपालका बैंकहरू स्थिर, दीर्घकालीन निक्षेपका लागि प्रतिस्पर्धा गर्छन्, र निवृत्त व्यक्ति ठ्याक्कै त्यस्तै निक्षेपकर्ता हुन्। तिनलाई आकर्षित गर्न धेरै बैंकले ज्येष्ठ नागरिक थप दिन्छन् — मानक FD दरमाथि सानो प्रिमियम। ६.००% प्रकाशित दरमा ०.५०% बोनसले ज्येष्ठ नागरिकले उही निक्षेप, उही अवधिमा ६.५०% कमाउँछन्।
Eligibility & Age
The standard threshold is 60 years, matching Nepal's official senior-citizen definition, but a number of banks and finance companies extend the bonus from 50 or 55. You will need your citizenship certificate and, where required, a senior-citizen ID. The account can be single or joint; for a joint account the primary holder usually needs to meet the age requirement.मानक सीमा ६० वर्ष हो, जुन नेपालको आधिकारिक ज्येष्ठ नागरिक परिभाषासँग मिल्छ, तर धेरै बैंक र वित्त कम्पनीले ५० वा ५५ देखि नै बोनस दिन्छन्। नागरिकता प्रमाणपत्र र आवश्यक भए ज्येष्ठ नागरिक परिचयपत्र चाहिन्छ। खाता एकल वा संयुक्त हुन सक्छ।
How to Actually Get the Bonus Rate
- Ask before you book — the extra rate is negotiated at the counter, not shown online.बुक गर्नुअघि सोध्नुहोस् — थप दर काउन्टरमा तय हुन्छ, अनलाइन देखिँदैन।
- Compare the base rate first — start from the bank with the highest standard rate, then add the senior bonus on top.पहिले आधार दर तुलना गर्नुहोस् — उच्चतम मानक दर भएको बैंकबाट सुरु गरी माथि ज्येष्ठ बोनस थप्नुहोस्।
- Negotiate on larger deposits — for NPR 25 lakh+ many branches will stretch the bonus further.ठूलो निक्षेपमा मोलमोलाइ गर्नुहोस् — रू २५ लाख+ मा धेरै शाखाले बोनस अझ बढाउँछन्।
- Consider finance companies — Class C institutions often pay the most and are flexible on senior top-ups (deposits are DCGC-insured up to NPR 5 lakh).वित्त कम्पनी विचार गर्नुहोस् — श्रेणी 'ग' संस्थाले प्रायः बढी तिर्छन् (निक्षेप रू ५ लाखसम्म DCGC-बीमित)।
Tax on Senior Citizen FDs
The 5% withholding tax (TDS) on FD interest still applies to senior citizens when the account is linked to a PAN — there is no blanket tax exemption for age. Without a PAN the deduction rises to 15%, so link your PAN before booking. The bonus rate is applied to the gross interest before tax.FD ब्याजमा ५% अग्रिम कर (TDS) खाता PAN सँग जोडिँदा ज्येष्ठ नागरिकलाई पनि लाग्छ — उमेरका आधारमा पूर्ण छुट छैन। PAN बिना कट्टी १५% हुन्छ, त्यसैले बुकिङअघि PAN जोड्नुहोस्। बोनस दर करअघिको कुल ब्याजमा लागू हुन्छ।
Compare today's FD rates across every bankआजका FD दर सबै बैंकमा तुलना गर्नुहोस्
Our main comparison ranks every bank's live 1-year FD rate, updated daily. Book the highest.हाम्रो मुख्य तुलनाले हरेक बैंकको प्रत्यक्ष १ वर्षे FD दर दैनिक अद्यावधिकसहित क्रमबद्ध गर्छ।