FD Calculator
FD Calculator
Fixed Deposit with Nepali quarterly payouts — Ashad, Ashwin, Poush & Chaitra
* Each quarterly FD payout deposits into your savings account and compounds at this rate quarterly.
* FD interest calculated quarterly as per Nepali bank standard. Interest is paid at end of each Nepali fiscal quarter.
How FD works in Nepal?
In Nepal, Fixed Deposit (FD/Term Deposit) interest is calculated on simple interest basis and paid out every fiscal quarter — at the end of Ashad (Asar), Ashwin, Poush, and Chaitra. The principal is returned in full at maturity. The interest rate remains fixed for the entire tenure as agreed at the time of deposit.
What is Interest Reinvestment?
When Interest Reinvestment is enabled, each quarterly FD payout is deposited into your savings account rather than spent. The savings account then compounds that amount at your savings rate — earning interest on interest. This strategy significantly boosts your total return over time and is commonly used by Nepali investors to maximise FD returns.