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FD

10 posts tagged "FD".

  • 9 min read

    A-class vs B-class vs C-class bank in Nepal: does it matter for your FD or savings account?

    Class A, B, and C banks in Nepal differ in paid-up capital and regulatory tier, not deposit-insurance coverage. What actually changes for your FD or savings account.

    GuideNepalBankingSavingNRBFD
  • 11 min read

    Breaking an FD early in Nepal: how much interest you actually lose

    Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.

    GuideNepalBankingFDSaving
  • 10 min read

    Why FD rates keep changing in Nepal: base rate and the NRB corridor

    FD rates fell from 11–12% in 2079/80 to 5–7% now. The base rate, the NRB interest-rate corridor, and the liquidity glut behind the drop, in plain numbers.

    GuideNepalBankingFDNRB
  • 9 min read

    Loan against your FD or shares in Nepal: cheaper than a personal loan?

    Borrow up to 90% of an FD near its own rate plus 2%, or 70% against NEPSE shares, while the asset keeps working. The full cost and risk math vs a personal loan.

    GuideNepalLoansFDNEPSE
  • 8 min read

    Recurring deposit vs FD in Nepal: the math for monthly savers

    A 5% recurring deposit doesn't pay like a 5% FD — the effective return is about half, since your money isn't in for the full term. The math, with current rates.

    GuideNepalBankingSavingFD
  • 11 min read

    FD laddering in Nepal: stay liquid and still earn fixed-deposit rates

    Splitting one big FD into a ladder of 3, 6, and 12-month deposits keeps cash maturing regularly so you skip the premature-withdrawal penalty. The math inside.

    GuideNepalBankingFDInvesting
  • 14 min read

    Tax on FD interest in Nepal: the 6% TDS you never noticed

    Your bank skims 6% off every rupee of fixed-deposit interest. How the math works, why it's a final tax you can't adjust against your slab, and the exemption.

    GuideNepalTaxFDInvestingTDS
  • 13 min read

    Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers

    Nepali co-operatives advertise 12–14% on FDs, far above banks. What the regulator gap, the Rs 87.89bn embezzlement crisis, and no deposit insurance mean.

    GuideNepalCooperativeSahakariFDFixed DepositRiskRegulation
  • 10 min read

    NEPSE vs SIP vs FD for a 25-year-old in Kathmandu

    If you're 25 and salaried in Kathmandu with spare money, how to weigh NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.

    GuideNepalInvestingNEPSESIPFDYoung Investor
  • 10 min read

    FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal

    A 1, 5, and 10-year projection on Rs 1 lakh across a Nepali FD, an equity mutual fund, and the Citizen Investment Trust — tax, lock-in and risk priced in.

    GuideNepalInvestingFDMutual FundCITTax